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Financial Highlights
2020 FQ1 YTD
3/31/2020
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
Balance Sheet ($000)
Total Assets 15,573,868 14,958,207 9,849,965 8,684,463 5,852,801
Total Net Loans 11,797,699 11,598,459 7,872,422 6,471,475 4,548,858
Total Deposits 11,882,766 11,941,336 7,737,794 6,632,822 4,577,109
Equity Attributable to Parent Company 2,386,285 2,339,773 1,606,433 1,336,018 672,365
Total Equity 2,386,285 2,339,773 1,606,433 1,336,018 672,365
Profitability (%)
Net Income($000) 44,167 192,736 128,259 76,512 53,540
Net Income Attributable to Parent($000) 44,167 192,736 128,259 76,512 53,540
ROAA 1.18 1.32 1.35 0.96 0.98
Core ROAA 1.27 1.61 1.48 1.18 1.07
ROAE 7.46 8.50 8.69 6.71 8.42
ROATCE 14.54 16.71 17.62 12.57 14.92
Core ROAE 8 10.33 9.50 8.27 9.21
Net Interest Margin 3.77 3.98 3.99 3.88 3.85
Reported: Net Interest Margin 3.79 3.98 3.99 3.88 3.81
Efficiency Ratio 50.29 45.31 49.52 49.96 51.63
Noninterest Inc/ Operating Rev 10.29 12.81 11.53 12.64 9.61
Balance Sheet Ratios (%)
Loans/ Deposits 99.44 97.26 101.90 97.57 99.86
Securities/ Assets 7.39 7.50 7.24 9.13 5.87
Total Equity/ Total Assets 15.32 15.64 16.31 15.38 11.49
Tangible Equity/ Tangible Assets 8.94 8.98 9.24 8.37 7.17
Tang Common Equity/ Tang Assets 8.94 8.98 9.24 8.37 7.17
Asset Quality (%)
NPAs/ Assets 0.20 0.11 0.17 0.26 0.34
NPA Excl Restructured/ Assets 0.18 0.11 0.16 0.25 0.30
NPAs & 90+ PD/ Assets 0.20 0.21 0.17 0.26 0.34
NPAs/ Loans & REO 0.26 0.15 0.21 0.35 0.43
Nonaccrual & 90+ & OREO/ Assets 0.19 0.21 0.17 0.25 0.30
NPAs & 90+ PD/ Loans & REO 0.27 0.27 0.21 0.35 0.43
NPA & Loans 90+/ Tangible Common Equity + LLR 2.34 2.43 1.92 3.19 4.59
NCOs/ Avg Loans 0.05 0.07 0.06 0.01 0.12
Loan Loss Reserves/ Gross Loans 0.49 0.44 0.57 0.61 0.69
Reserves/ NPAs 191.67 302.36 264.49 174.97 159.41
Loan Loss Provision/ NCO 582.42 181.75 221.08 NM 192.97
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,285,549 1,248,148 856,754 687,006 409,617
Tier 1 Capital($000) 1,341,149 1,303,748 887,354 718,358 427,217
Tier 2 Capital($000) 216,403 209,461 184,802 179,402 141,591
Total Capital($000) 1,557,552 1,513,209 1,072,156 897,760 568,808
Total Risk-weighted Assets($000) 12,925,767 12,791,558 8,521,072 7,150,316 4,996,229
Tier 1 Common Capital (CET1) Ratio(%) 9.95 9.76 10.05 9.61 8.20
Tier 1 Ratio(%) 10.38 10.19 10.41 10.05 8.55
Total Capital Ratio(%) 12.05 11.83 12.58 12.56 11.38
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.67 9.32 9.57 8.92 7.82
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 43,041,776 42,950,228 30,600,582 28,254,893 18,870,312
Avg Diluted Shares(actual) 42,749,958 42,964,393 29,341,843 25,500,149 18,285,224
Basic Book Value per Share 55.44 54.48 52.50 47.28 35.63
Book Value per Share, As Reported 55.44 54.48 52.50 47.28 35.63
Basic Tangible Book Value per Share 30.08 28.99 27.44 23.76 21.19
Tangible Book Value per Share, As Reported 30.08 28.99 27.44 23.76 21.19
Common Dividends Declared per Share 0.25 1 0.54 0.40 0.34
EPS after Extra 1.03 4.46 4.33 2.97 2.88
EPS after Extra Growth(%) 21.20 3 45.80 3.10 30.30
Core EPS 1.11 5.43 4.74 3.67 3.15
Core EPS Growth(%) (11.80) 14.50 29.20 16.30 30.60
Diluted EPS before Amortization 1.10 4.76 4.53 3.15 2.99
Pre-Provision Earnings per Share 1.19 5.50 4.79 3.64 3.34
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.