Financial Highlights

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 26,793,017 26,065,789 25,463,842 24,833,415 25,641,424
Total Net Loans 14,908,373 14,590,944 14,001,060 13,845,540 13,271,260
Total Deposits 20,775,863 20,520,415 20,323,659 20,425,446 21,101,095
Equity Attributable to Parent Company 3,251,015 3,134,684 2,931,298 2,716,560 2,495,783
Total Equity 3,252,464 3,138,472 2,937,149 2,718,184 2,501,132
Profitability (%)
Net Income($000) 49,603 422,712 438,214 319,900 276,854
Net Income Attributable to Parent($000) 51,857 421,231 433,542 319,383 275,391
ROAA 0.76 1.68 1.78 1.28 1.13
Core ROAA 0.96 1.62 1.74 1.18 1.12
ROAE 6.15 13.74 15.81 12.13 11.09
ROATCE 6.77 14.60 16.90 13.15 11.96
Core ROAE 7.82 13.24 15.44 11.28 11
Net Interest Margin 3.31 3.48 3.53 3.19 3.04
Reported: Net Interest Margin 3.33 3.48 3.53 3.19 3.04
Efficiency Ratio 59.01 56.93 55.27 60.63 59.59
Noninterest Inc/ Operating Rev 38.08 38.39 37.47 38.51 39.46
Balance Sheet Ratios (%)
Loans/ Deposits 72.55 71.82 69.58 68.46 63.56
Securities/ Assets 33.08 33.54 34.16 35.81 38.11
Total Equity/ Total Assets 12.14 12.04 11.53 10.95 9.75
Tangible Equity/ Tangible Assets 11.68 11.56 11.04 10.43 9.25
Tang Common Equity/ Tang Assets 11.13 10.99 10.45 9.84 8.66
Asset Quality (%)
NPAs/ Assets 0.34 0.31 0.31 0.47 0.25
NPA Excl Restructured/ Assets 0.04 0.04 0.05 0.05 0.06
NPAs & 90+ PD/ Assets 0.40 0.39 0.38 0.54 0.32
NPAs/ Loans & REO 0.60 0.56 0.57 0.82 0.48
Nonaccrual & 90+ & OREO/ Assets 0.10 0.12 0.12 0.12 0.12
NPAs & 90+ PD/ Loans & REO 0.71 0.69 0.68 0.95 0.61
NPA & Loans 90+/ Tangible Common Equity + LLR 3.41 3.39 3.45 5.16 3.44
NCOs/ Avg Loans 0.30 0.35 0.30 0.31 0.25
Loan Loss Reserves/ Gross Loans 1.14 1.09 1.13 1.14 1.16
Reserves/ NPAs 189.55 195.72 199.84 138.15 240.27
Loan Loss Provision/ NCO 533.74 101.51 100.95 108.64 113.79
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 2,727,291 2,745,538 2,716,232 2,422,480 2,207,370
Tier 1 Capital($000) 2,872,075 2,890,322 2,861,016 2,567,264 2,352,154
Tier 2 Capital($000) 197,078 161,757 161,007 180,599 177,521
Total Capital($000) 3,069,153 3,052,079 3,022,023 2,747,863 2,529,675
Total Risk-weighted Assets($000) 20,174,835 19,713,813 19,103,966 19,149,949 18,994,730
Tier 1 Common Capital (CET1) Ratio(%) 13.52 13.93 14.22 12.65 11.62
Tier 1 Ratio(%) 14.24 14.66 14.98 13.41 12.38
Total Capital Ratio(%) 15.21 15.48 15.82 14.35 13.32
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.13 11.38 11.52 10.39 9.55
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 111,535,295 112,131,549 116,684,959 117,543,085 117,454,000
Avg Diluted Shares(actual) 111,375,938 114,066,318 116,713,028 116,784,741 116,339,804
Basic Book Value per Share 27.85 26.66 23.88 21.88 20.02
Book Value per Share, As Reported 27.86 26.70 23.93 21.89 20.06
Basic Tangible Book Value per Share 26.59 25.41 22.67 20.67 18.80
Common Dividends Declared per Share 0.27 1.00 0.84 0.78 0.74
EPS after Extra 0.44 3.58 3.60 2.62 2.26
EPS after Extra Growth(%) (45.70) (0.60) 37.40 15.90 7.40
Core EPS 0.56 3.46 3.52 2.41 2.24
Core EPS Growth(%) (32.10) (1.70) 45.60 8 9
Diluted EPS before Amortization 0.44 3.58 3.61 2.63 2.27
Pre-Provision Earnings per Share 0.92 3.79 3.77 2.38 2.31
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