Financial Highlights

Financial Highlights
2018 FQ3 YTD
9/30/2018
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 31,261,265 30,359,541 14,178,447 11,955,952 7,424,822
Total Net Loans 20,472,891 19,936,322 9,505,497 7,843,325 4,819,866
Total Deposits 21,456,057 20,538,204 10,068,259 8,580,007 5,212,325
Equity Attributable to Parent Company 4,438,303 4,240,178 1,855,183 1,665,073 975,200
Total Equity 4,438,303 4,240,178 1,855,183 1,665,073 975,200
Profitability (%)
Net Income($000) 332,763 93,031 139,972 66,114 58,684
Net Income Attributable to Parent($000) 332,763 93,031 139,972 66,114 58,684
ROAA 1.45 0.50 1.09 0.69 0.83
Core ROAA 1.53 1.28 1.17 1.13 0.99
ROAE 10.28 3.72 8.05 4.86 6.16
ROATCE 18.65 6.29 15.21 10.04 12.49
Core ROAE 10.89 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 3.59 3.55 3.55 3.67 3.77
Efficiency Ratio 38.92 41.26 45.79 50.70 56.51
Noninterest Inc/ Operating Rev 9.36 10.07 13.15 15.72 17.98
Balance Sheet Ratios (%)
Loans/ Deposits 95.70 97.42 94.63 91.60 92.39
Securities/ Assets 22.51 22.26 22.95 23.09 24.09
Total Equity/ Total Assets 14.20 13.97 13.08 13.93 13.13
Tangible Equity/ Tangible Assets 9.12 8.76 8.14 8.18 7.76
Tang Common Equity/ Tang Assets 8.65 8.27 8.14 8.18 7.76
Asset Quality (%)
NPAs/ Assets 0.77 0.75 0.72 0.79 0.93
NPA Excl Restructured/ Assets 0.64 0.70 0.64 0.67 0.70
NPAs & 90+ PD/ Assets 0.79 0.75 0.73 0.79 0.94
NPAs/ Loans & REO 1.17 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 1.20 1.14 1.08 1.20 1.43
NPA & Loans 90+/ Tangible Common Equity + LLR 9.36 9.32 8.98 9.79 11.92
NCOs/ Avg Loans 0.15 0.10 0.08 0.13 0.15
Loan Loss Reserves/ Gross Loans 0.44 0.39 0.66 0.64 0.87
Reserves/ NPAs 38 34.32 62.33 53.32 61.42
Loan Loss Provision/ NCO 161.06 221.94 306.61 198.01 260.29
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 2,710,568 2,458,449 1,160,739 988,174 569,609
Tier 1 Capital($000) 2,849,195 2,597,669 1,160,739 988,174 569,609
Tier 2 Capital($000) 231,448 220,735 216,808 50,694 NA
Total Capital($000) 3,080,643 2,818,404 1,377,547 1,038,868 612,378
Total Risk-weighted Assets($000) 20,898,751 19,879,051 10,819,002 9,201,047 5,460,114
Tier 1 Common Capital (CET1) Ratio(%) 12.97 12.37 10.73 10.74 10.43
Tier 1 Ratio(%) 13.64 13.07 10.73 10.74 10.43
Total Capital Ratio(%) 14.74 14.18 12.73 11.29 11.22
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.68 9.39 8.95 9.03 8.21
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 225,446,089 224,782,694 135,257,570 130,006,926 83,927,572
Avg Diluted Shares(actual) 225,504,463 158,124,270 131,234,462 110,329,353 83,921,090
Basic Book Value per Share 19.07 18.24 13.72 12.81 11.62
Book Value per Share, As Reported 19.07 18.24 13.72 12.81 11.62
Basic Tangible Book Value per Share 11.33 10.53 8.08 7.05 6.47
Tangible Book Value per Share, As Reported 11.33 10.53 8.08 7.05 6.47
Common Dividends Declared per Share 0.21 0.28 0.28 0.28 0.28
EPS after Extra 1.45 0.58 1.07 0.60 0.70
EPS after Extra Growth(%) 55.90 (45.80) 78.30 (14.30) NA
Core EPS 1.54 1.49 1.16 0.98 0.83
Core EPS Growth(%) 52.40 29 17.60 17.80 NA
Diluted EPS before Amortization 1.53 0.66 1.16 0.69 0.81
Pre-Provision Earnings per Share 1.60 1.44 1.15 0.99 0.86
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.