Financial Highlights

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 25,876,479 25,463,842 24,833,415 25,641,424 24,604,962
Total Net Loans 14,321,976 14,001,060 13,845,540 13,271,260 12,292,767
Total Deposits 20,310,151 20,323,659 20,425,446 21,101,095 19,978,853
Equity Attributable to Parent Company 3,102,600 2,931,298 2,716,560 2,495,783 2,361,990
Total Equity 3,106,014 2,937,149 2,718,184 2,501,132 2,367,418
Profitability (%)
Net Income($000) 315,434 438,214 319,900 276,854 266,975
Net Income Attributable to Parent($000) 314,351 433,542 319,383 275,391 263,730
ROAA 1.68 1.78 1.28 1.13 1.12
Core ROAA 1.65 1.74 1.18 1.12 1.10
ROAE 13.75 15.81 12.13 11.09 11.25
ROATCE 14.58 16.90 13.15 11.96 12.21
Core ROAE 13.46 15.44 11.28 11 11.06
Net Interest Margin 3.51 3.53 3.19 3.04 2.93
Reported: Net Interest Margin 3.52 3.53 3.19 3.04 2.94
Efficiency Ratio 56.67 55.27 60.63 59.59 59.76
Noninterest Inc/ Operating Rev 38.03 37.47 38.51 39.46 39.98
Balance Sheet Ratios (%)
Loans/ Deposits 71.21 69.58 68.46 63.56 62.25
Securities/ Assets 34.19 34.16 35.81 38.11 40.24
Total Equity/ Total Assets 12 11.53 10.95 9.75 9.62
Tangible Equity/ Tangible Assets 11.52 11.04 10.43 9.25 9.09
Tang Common Equity/ Tang Assets 10.95 10.45 9.84 8.66 8.48
Asset Quality (%)
NPAs/ Assets 0.33 0.31 0.47 0.25 0.28
NPA Excl Restructured/ Assets 0.05 0.05 0.05 0.06 0.12
NPAs & 90+ PD/ Assets 0.39 0.38 0.54 0.32 0.34
NPAs/ Loans & REO 0.58 0.57 0.82 0.48 0.55
Nonaccrual & 90+ & OREO/ Assets 0.11 0.12 0.12 0.12 0.19
NPAs & 90+ PD/ Loans & REO 0.69 0.68 0.95 0.61 0.68
NPA & Loans 90+/ Tangible Common Equity + LLR 3.37 3.45 5.16 3.44 3.80
NCOs/ Avg Loans 0.32 0.30 0.31 0.25 0.28
Loan Loss Reserves/ Gross Loans 1.11 1.13 1.14 1.16 1.22
Reserves/ NPAs 190.87 199.84 138.15 240.27 222.41
Loan Loss Provision/ NCO 102.18 100.95 108.64 113.79 85.18
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 2,679,477 2,716,232 2,422,480 2,207,370 2,051,474
Tier 1 Capital($000) 2,824,261 2,861,016 2,567,264 2,352,154 2,196,258
Tier 2 Capital($000) 161,757 161,007 180,599 177,521 168,503
Total Capital($000) 2,986,018 3,022,023 2,747,863 2,529,675 2,364,761
Total Risk-weighted Assets($000) 19,477,560 19,103,966 19,149,949 18,994,730 17,809,554
Tier 1 Common Capital (CET1) Ratio(%) 13.76 14.22 12.65 11.62 11.52
Tier 1 Ratio(%) 14.50 14.98 13.41 12.38 12.33
Total Capital Ratio(%) 15.33 15.82 14.35 13.32 13.28
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.32 11.52 10.39 9.55 9.23
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 107,571,714 111,331,350 111,945,795 112,056,264 112,717,286
Avg Diluted Shares(actual) 109,294,206 111,155,264 111,223,563 110,799,813 113,770,011
Basic Book Value per Share 27.50 25.03 22.97 20.98 19.67
Book Value per Share, As Reported 27.58 25.13 22.99 21.07 19.75
Basic Tangible Book Value per Share 26.19 23.76 21.71 19.71 18.39
Common Dividends Declared per Share 0.78 0.90 0.82 0.78 0.74
EPS after Extra 2.79 3.78 2.76 2.37 2.21
EPS after Extra Growth(%) (1) 37 16.60 7.10 2.70
Core EPS 2.74 3.69 2.54 2.34 2.15
Core EPS Growth(%) NA 45.10 8.60 8.80 3.70
Diluted EPS before Amortization 2.79 3.79 2.77 2.38 2.22
Pre-Provision Earnings per Share 2.98 3.96 2.51 2.42 2.18
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