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Financial Highlights
2019 FQ3 YTD
9/30/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
Balance Sheet ($000)
Total Assets 14,959,127 9,849,965 8,684,463 5,852,801 5,055,000
Total Net Loans 11,577,511 7,872,422 6,471,475 4,548,858 3,973,108
Total Deposits 11,727,885 7,737,794 6,632,822 4,577,109 4,028,279
Equity Attributable to Parent Company 2,298,932 1,606,433 1,336,018 672,365 627,309
Total Equity 2,298,932 1,606,433 1,336,018 672,365 627,309
Profitability (%)
Net Income($000) 142,500 128,259 76,512 53,540 38,786
Net Income Attributable to Parent($000) 142,500 128,259 76,512 53,540 38,786
ROAA 1.32 1.35 0.96 0.98 0.88
Core ROAA 1.64 1.48 1.18 1.07 0.96
ROAE 8.45 8.69 6.71 8.42 6.87
ROATCE 16.59 17.62 12.57 14.92 13.16
Core ROAE 10.52 9.50 8.27 9.21 7.49
Net Interest Margin 4.01 3.99 3.88 3.85 4.05
Reported: Net Interest Margin 4.03 3.99 3.88 3.81 4.05
Efficiency Ratio 44.41 49.52 49.96 51.63 57.41
Noninterest Inc/ Operating Rev 13.20 11.53 12.64 9.61 9.25
Balance Sheet Ratios (%)
Loans/ Deposits 98.87 101.90 97.57 99.86 99
Securities/ Assets 7.46 7.24 9.13 5.87 5.70
Total Equity/ Total Assets 15.37 16.31 15.38 11.49 12.41
Tangible Equity/ Tangible Assets 8.65 9.24 8.37 7.17 7.37
Tang Common Equity/ Tang Assets 8.65 9.24 8.37 7.17 6.87
Asset Quality (%)
NPAs/ Assets 0.11 0.17 0.26 0.34 0.36
NPA Excl Restructured/ Assets 0.11 0.16 0.25 0.30 0.24
NPAs & 90+ PD/ Assets 0.12 0.17 0.26 0.34 0.36
NPAs/ Loans & REO 0.15 0.21 0.35 0.43 0.45
Nonaccrual & 90+ & OREO/ Assets 0.12 0.17 0.25 0.30 0.24
NPAs & 90+ PD/ Loans & REO 0.16 0.21 0.35 0.43 0.45
NPA & Loans 90+/ Tangible Common Equity + LLR 1.47 1.92 3.19 4.59 5.09
NCOs/ Avg Loans 0.09 0.06 0.01 0.12 0.02
Loan Loss Reserves/ Gross Loans 0.43 0.57 0.61 0.69 0.68
Reserves/ NPAs 294.74 264.49 174.97 159.41 149.47
Loan Loss Provision/ NCO 174.76 221.08 NM 192.97 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,200,651 856,754 687,006 409,617 338,093
Tier 1 Capital($000) 1,256,251 887,354 718,358 427,217 379,631
Tier 2 Capital($000) 208,447 184,802 179,402 141,591 94,362
Total Capital($000) 1,464,698 1,072,156 897,760 568,808 473,993
Total Risk-weighted Assets($000) 12,751,008 8,521,072 7,150,316 4,996,229 4,256,662
Tier 1 Common Capital (CET1) Ratio(%) 9.42 10.05 9.61 8.20 7.94
Tier 1 Ratio(%) 9.85 10.41 10.05 8.55 8.92
Total Capital Ratio(%) 11.49 12.58 12.56 11.38 11.14
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.21 9.57 8.92 7.82 8.28
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 42,952,642 30,600,582 28,254,893 18,870,312 18,399,194
Avg Diluted Shares(actual) 43,056,441 29,341,843 25,500,149 18,285,224 17,059,079
Basic Book Value per Share 53.52 52.50 47.28 35.63 32.79
Book Value per Share, As Reported 53.52 52.50 47.28 35.63 32.79
Basic Tangible Book Value per Share 27.89 27.44 23.76 21.19 17.85
Tangible Book Value per Share, As Reported 27.89 27.44 23.76 21.19 17.85
Common Dividends Declared per Share 0.75 0.54 0.40 0.34 0.32
EPS after Extra 3.29 4.33 2.97 2.88 2.21
EPS after Extra Growth(%) 2.50 45.80 3.10 30.30 19.50
Core EPS 4.10 4.74 3.67 3.15 2.41
Core EPS Growth(%) 15.50 29.20 16.30 30.60 6.20
Diluted EPS before Amortization 3.52 4.53 3.15 2.99 2.30
Pre-Provision Earnings per Share 4.19 4.79 3.64 3.34 2.64
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