Financial Highlights

Financial Highlights
2018 FQ2 YTD
6/30/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
Balance Sheet ($000)
Total Assets 31,463,077 30,359,541 14,178,447 11,955,952 7,424,822
Total Net Loans 20,619,093 19,936,322 9,505,497 7,843,325 4,819,866
Total Deposits 20,965,889 20,538,204 10,068,259 8,580,007 5,212,325
Equity Attributable to Parent Company 4,352,735 4,240,178 1,855,183 1,665,073 975,200
Total Equity 4,352,735 4,240,178 1,855,183 1,665,073 975,200
Profitability (%)
Net Income($000) 213,113 93,031 139,972 66,114 58,684
Net Income Attributable to Parent($000) 213,113 93,031 139,972 66,114 58,684
ROAA 1.40 0.50 1.09 0.69 0.83
Core ROAA 1.50 1.28 1.17 1.13 0.99
ROAE 9.97 3.72 8.05 4.86 6.16
ROATCE 18.21 6.29 15.21 10.04 12.49
Core ROAE 10.68 9.44 8.69 7.95 7.34
Net Interest Margin 3.57 3.54 3.53 3.65 3.77
Reported: Net Interest Margin 3.61 3.55 3.55 3.67 3.77
Efficiency Ratio 39.21 41.26 45.79 50.70 56.51
Noninterest Inc/ Operating Rev 9.53 10.07 13.15 15.72 17.98
Balance Sheet Ratios (%)
Loans/ Deposits 98.61 97.42 94.63 91.60 92.39
Securities/ Assets 22.79 22.26 22.95 23.09 24.09
Total Equity/ Total Assets 13.83 13.97 13.08 13.93 13.13
Tangible Equity/ Tangible Assets 8.75 8.76 8.14 8.18 7.76
Tang Common Equity/ Tang Assets 8.28 8.27 8.14 8.18 7.76
Asset Quality (%)
NPAs/ Assets 0.72 0.75 0.72 0.79 0.93
NPA Excl Restructured/ Assets 0.63 0.70 0.64 0.67 0.70
NPAs & 90+ PD/ Assets 0.75 0.75 0.73 0.79 0.94
NPAs/ Loans & REO 1.09 1.13 1.07 1.19 1.42
Nonaccrual & 90+ & OREO/ Assets 0.67 0.71 0.65 0.68 0.71
NPAs & 90+ PD/ Loans & REO 1.15 1.14 1.08 1.20 1.43
NPA & Loans 90+/ Tangible Common Equity + LLR 9.33 9.32 8.98 9.79 11.92
NCOs/ Avg Loans 0.18 0.10 0.08 0.13 0.15
Loan Loss Reserves/ Gross Loans 0.42 0.39 0.66 0.64 0.87
Reserves/ NPAs 38.23 34.32 62.33 53.32 61.42
Loan Loss Provision/ NCO 145.41 221.94 306.61 198.01 260.29
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 2,598,072 2,458,449 1,160,739 988,174 569,609
Tier 1 Capital($000) 2,736,899 2,597,669 1,160,739 988,174 569,609
Tier 2 Capital($000) 228,673 220,735 216,808 50,694 NA
Total Capital($000) 2,965,572 2,818,404 1,377,547 1,038,868 612,378
Total Risk-weighted Assets($000) 21,088,247 19,879,051 10,819,002 9,201,047 5,460,114
Tier 1 Common Capital (CET1) Ratio(%) 12.32 12.37 10.73 10.74 10.43
Tier 1 Ratio(%) 12.98 13.07 10.73 10.74 10.43
Total Capital Ratio(%) 14.06 14.18 12.73 11.29 11.22
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.32 9.39 8.95 9.03 8.21
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 225,470,254 224,782,694 135,257,570 130,006,926 83,927,572
Avg Diluted Shares(actual) 225,444,579 158,124,270 131,234,462 110,329,353 83,921,090
Basic Book Value per Share 18.69 18.24 13.72 12.81 11.62
As-reported Book Value per Share 18.69 18.24 13.72 12.81 11.62
Basic Tangible Book Value per Share 10.91 10.53 8.08 7.05 6.47
Reported: Tangible Book Value 10.91 10.53 8.08 7.05 6.47
Common Dividends Declared per Share 0.14 0.28 0.28 0.28 0.28
EPS after Extra 0.93 0.58 1.07 0.60 0.70
EPS after Extra Growth(%) 55 (45.80) 78.30 (14.30) NA
Core EPS 1 1.49 1.16 0.98 0.83
Core EPS Growth(%) 53.70 29 17.60 17.80 NA
Diluted EPS before Amortization 0.98 0.66 1.16 0.69 0.81
Pre-Provision Earnings per Share 1.06 1.44 1.15 0.99 0.86
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