Financial Highlights

Financial Highlights
2019 FQ2 YTD
6/30/2019
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 6,012,039 5,864,116 5,547,037 3,614,862 3,362,065
Total Net Loans 4,324,930 4,232,304 4,031,530 2,689,047 2,494,666
Total Deposits 4,843,054 4,659,339 4,406,955 2,947,353 2,811,285
Equity Attributable to Parent Company 815,169 764,230 692,979 368,101 342,190
Total Equity 815,169 764,230 692,979 368,101 342,190
Profitability (%)
Net Income($000) 46,144 89,289 45,972 27,509 27,034
Net Income Attributable to Parent($000) 46,144 89,289 45,972 27,509 27,034
ROAE 11.70 12.27 8.62 7.63 7.18
Core ROAE 12.26 13.07 10.36 8.87 7.31
Reported: Net Interest Margin 4.06 4.12 4.08 4.03 4.13
Noninterest Inc/ Operating Rev 22.45 22.87 23.17 19.78 14.47
Balance Sheet Ratios (%)
Loans/ Deposits 89.60 91.19 91.73 91.97 89.60
Securities/ Assets 13.38 10.91 8.89 9.65 10
Total Equity/ Total Assets 13.56 13.03 12.49 10.18 10.18
Tangible Equity/ Tangible Assets 9.83 9.14 8.27 8.17 8.35
Tang Common Equity/ Tang Assets 9.83 9.14 8.27 8.17 8.13
Asset Quality (%)
Non Covered NPAs/ Assets 0.57 0.74 0.96 1.64 2.30
NPA Excl Restructured/ Assets 0.37 0.51 0.60 1.02 1.46
Non Covered NPAs & 90+ PD/ Assets 0.58 0.75 0.97 1.64 2.30
Non Covered Nonaccrual & 90+ & OREO/ Assets 0.38 0.52 0.62 1.02 1.46
Non Covered NPA & Loans 90+/ Tangible Common Equity + LLR 5.96 8.24 11.71 18.90 26.05
Non Covered NCOs/ Non Covered Avg Loans 0.02 (0.03) 0.04 0.15 0.58
Loan Loss Reserves/ Gross Loans 0.48 0.49 0.57 0.88 1.13
Total Reserves/ Non Covered NPAs 60.48 48.44 43.65 40.21 37.03
Total Loan Loss Provision/ Non Covered NCO 43.44 NM 59.95 (0.62) (5.75)
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 574,619 535,566 456,826 308,712 282,766
Tier 1 Capital($000) 626,890 587,764 508,791 353,363 335,053
Tier 2 Capital($000) 21,401 21,664 24,116 24,484 29,072
Total Capital($000) 648,291 609,428 532,907 377,847 364,125
Total Risk-weighted Assets($000) 4,439,925 4,361,238 4,262,941 2,828,118 2,519,193
Tier 1 Common Capital (CET1) Ratio(%) 12.94 12.28 10.72 10.92 11.22
Tier 1 Ratio(%) 14.12 13.48 11.94 12.49 13.30
Total Capital Ratio(%) 14.60 13.97 12.50 13.36 14.45
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.89 10.47 9.58 10.17 10.38
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 29,717,223 29,724,874 29,639,374 20,844,505 19,747,509
Avg Diluted Shares(actual) 29,808,859 29,707,431 25,291,382 20,732,917 20,499,727
Basic Book Value per Share 27.43 25.71 23.38 17.66 16.96
Book Value per Share, As Reported 27.43 25.71 23.38 17.66 16.96
Basic Tangible Book Value per Share 19.07 17.26 14.76 13.87 13.56
Tangible Book Value per Share, As Reported 18.89 17.18 14.69 13.85 13.56
Common Dividends Declared per Share 0.24 0.40 0.32 0.32 0.32
EPS after Extra 1.55 3.01 1.82 1.33 1.30
EPS after Extra Growth(%) 6.20 65.40 36.80 2.30 9.20
Core EPS 1.62 3.21 2.19 1.55 1.32
Core EPS Growth(%) 1 46.60 41.50 16.90 8.40
Pre-Provision Earnings per Share 1.56 2.97 1.98 1.50 1.26
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