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Financial Highlights

Financial Highlights
2020 FQ1
3/31/2020
2019 FQ1
3/31/2019
Y-Y Ch (%)
2019 FQ4
12/31/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 12,693,518 10,210,925 24.31 12,457,254 7.59
Total Net Loans 8,512,434 7,221,748 17.87 8,388,063 5.93
Total Deposits 9,870,484 8,047,798 22.65 9,839,956 1.24
Equity Attributable to Parent Company 1,777,960 1,455,848 22.13 1,786,437 (1.90)
Total Equity 1,777,960 1,455,848 22.13 1,786,437 (1.90)
Profitability (%)
Net Income($000) 34,263 38,817 (11.73) 47,830 (113.46)
Net Income Attributable to Parent($000) 34,263 38,817 (11.73) 47,830 (113.46)
ROAA 1.09 1.54 (45) bp 1.53 (44) bp
Core ROAA 1.01 1.55 (54) bp 1.59 (58) bp
ROAE 7.55 10.86 (331) bp 10.82 (327) bp
ROATCE 11.46 16.67 (521) bp 16.51 (505) bp
Core ROAE 7.01 10.95 (394) bp 11.24 (423) bp
Net Interest Margin 3.46 3.85 (39) bp 3.62 (16) bp
Reported: Net Interest Margin 3.46 3.84 (38) bp 3.62 (16) bp
Efficiency Ratio 52.17 51.18 99 bp 49.63 254 bp
Noninterest Inc/ Operating Rev 21.15 17.15 400 bp 19.21 194 bp
Balance Sheet Ratios (%)
Loans/ Deposits 87.20 90.70 (350) bp 85.97 123 bp
Securities/ Assets 21.50 18.51 299 bp 21.09 41 bp
Total Equity/ Total Assets 14.01 14.26 (25) bp 14.34 (33) bp
Tangible Equity/ Tangible Assets 9.91 10.14 (23) bp 10.17 (26) bp
Tang Common Equity/ Tang Assets 9.91 10.14 (23) bp 10.16 (25) bp
Asset Quality (%)
NPAs/ Assets 0.19 0.30 (11) bp 0.20 (1) bp
NPA Excl Restructured/ Assets 0.19 0.29 (10) bp 0.19 0 bp
NPAs & 90+ PD/ Assets 0.19 0.30 (11) bp 0.20 (1) bp
NPAs/ Loans & REO 0.28 0.42 (14) bp 0.29 (1) bp
Nonaccrual & 90+ & OREO/ Assets 0.19 0.29 (10) bp 0.19 0 bp
NPAs & 90+ PD/ Loans & REO 0.29 0.42 (13) bp 0.29 0 bp
NPA & Loans 90+/ Tangible Common Equity + LLR 1.90 2.87 (97) bp 1.89 1 bp
NCOs/ Avg Loans 0.03 0.05 (2) bp 0.04 (1) bp
Loan Loss Reserves/ Gross Loans 1.15 1.11 4 bp 0.95 20 bp
Reserves/ NPAs 408.75 264.95 14,380 bp 330.16 7,859 bp
Loan Loss Provision/ NCO NM 141.18 NM 63.53 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,155,737 991,079 16.61 1,188,970 (11.18)
Tier 1 Capital($000) 1,212,156 1,057,276 14.65 1,255,333 (13.76)
Tier 2 Capital($000) 164,454 145,902 12.72 145,284 52.78
Total Capital($000) 1,376,610 1,203,178 14.41 1,400,617 (6.86)
Total Risk-weighted Assets($000) 9,978,462 8,176,677 22.04 9,799,329 7.31
Tier 1 Common Capital (CET1) Ratio(%) 11.58 12.12 (54) bp 12.13 (55) bp
Tier 1 Ratio(%) 12.15 12.93 (78) bp 12.81 (66) bp
Total Capital Ratio(%) 13.80 14.71 (91) bp 14.29 (49) bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.10 11 (90) bp 10.54 (44) bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 53,754,137 49,428,468 8.75 55,368,482 (11.66)
Avg Diluted Shares(actual) 54,917,760 49,540,844 10.85 55,519,953 (4.34)
Basic Book Value per Share 33.07 29.45 12.29 32.26 10.04
Book Value per Share, As Reported 33.08 29.45 12.33 32.26 10.17
Basic Tangible Book Value per Share 22.33 19.98 11.76 21.81 9.54
Tangible Book Value per Share, As Reported 22.46 20.07 11.91 21.94 9.48
Common Dividends Declared per Share 0.26 0.22 18.18 0.26 0
EPS after Extra 0.62 0.78 (20.51) 0.87 (114.94)
EPS after Extra Growth(%) (20.50) 5.40 (2,592) bp 2.40 (2,286) bp
Core EPS 0.58 0.79 (26.58) 0.90 (142.22)
Core EPS Growth(%) (26.80) 6.20 (3,297) bp 3.60 (3,040) bp
Diluted EPS before Amortization 0.65 0.81 (19.75) 0.90 (111.11)
Pre-Provision Earnings per Share 0.76 0.73 4.11 0.82 (29.27)

   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.


Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.