Financial Highlights
2020 FQ2 YTD
6/30/2020
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 20,517,074 11,776,012 11,487,387 8,024,501 4,036,311
Total Net Loans 14,801,620 8,688,285 8,806,465 6,190,714 3,228,028
Total Deposits 16,976,693 8,898,509 8,658,351 6,085,886 3,145,581
Equity Attributable to Parent Company 2,654,647 2,012,594 1,969,697 1,241,996 459,740
Total Equity 2,654,647 2,012,594 1,969,697 1,241,996 459,740
Profitability (%)
Net Income($000) (73,351) 159,718 123,340 60,100 40,103
Net Income Attributable to Parent($000) (73,351) 159,718 123,340 60,100 40,103
ROAA (1.10) 1.38 1.26 0.99 1.11
Core ROAA (0.61) 1.45 1.49 1.34 1.20
ROAE (6.87) 8 7.71 6.75 9.30
ROATCE NA 15.93 14.59 11.07 12.73
Core ROAE (3.81) 8.37 9.11 9.15 10.03
Net Interest Margin NA 4.33 4.44 4.43 4.48
Reported: Net Interest Margin NA 4.33 4.44 4.43 4.48
Efficiency Ratio 52.75 50.55 51.66 50.97 53.64
Noninterest Inc/ Operating Rev 5.39 5.63 6.91 10.23 10.53
Balance Sheet Ratios (%)
Loans/ Deposits 88.84 98.02 102.06 101.81 103.05
Securities/ Assets NA 12.91 10.97 10.89 10.58
Total Equity/ Total Assets 12.94 17.09 17.15 15.48 11.39
Tangible Equity/ Tangible Assets NA 10.24 9.95 9.42 8.86
Tang Common Equity/ Tang Assets NA 10.24 9.95 9.42 8.86
Asset Quality (%)
NPAs/ Assets NA 0.10 0.04 0.05 0.04
NPA Excl Restructured/ Assets 0.17 0.08 0.04 0.04 0.04
NPAs & 90+ PD/ Assets NA 0.10 0.05 0.07 0.04
NPAs/ Loans & REO NA 0.14 0.06 0.06 0.05
Nonaccrual & 90+ & OREO/ Assets 0.17 0.08 0.05 0.07 0.04
NPAs & 90+ PD/ Loans & REO NA 0.14 0.06 0.09 0.05
NPA & Loans 90+/ Tangible Common Equity + LLR NA 1.05 0.48 0.75 0.43
NCOs/ Avg Loans 0.12 0.09 0.01 0.02 0.17
Loan Loss Reserves/ Gross Loans 1.87 0.41 0.41 0.47 0.66
Reserves/ NPAs NA 295.24 719 780.58 NM
Loan Loss Provision/ NCO NM 95.02 NM NM 182.95
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 1,116,185 1,087,164 717,145 356,658
Tier 1 Capital($000) NA 1,123,740 1,112,132 737,173 366,658
Tier 2 Capital($000) NA 234,164 125,183 115,209 81,492
Total Capital($000) NA 1,357,904 1,237,315 852,382 448,150
Total Risk-weighted Assets($000) NA 9,835,824 9,989,084 6,842,987 3,523,860
Tier 1 Common Capital (CET1) Ratio(%) 11.32 11.35 10.88 10.48 10.12
Tier 1 Ratio(%) 11.32 11.42 11.13 10.78 10.41
Total Capital Ratio(%) 15.69 13.81 12.39 12.46 12.72
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 12 10.54 10.38 10.61 9.78
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 94,350,902 59,506,057 62,480,755 46,245,050 27,798,283
Avg Diluted Shares(actual) 64,879,204 60,692,281 54,613,057 38,511,261 27,439,159
Basic Book Value per Share 28.14 33.82 31.52 26.86 16.54
Book Value per Share, As Reported 28.14 33.82 31.52 26.86 16.54
Basic Tangible Book Value per Share NA 18.71 16.84 15.26 12.51
Tangible Book Value per Share, As Reported 17.58 18.84 16.97 15.26 12.51
Common Dividends Declared per Share 0.50 0.88 0 0 0
EPS after Extra (1.14) 2.60 2.26 1.56 1.46
EPS after Extra Growth(%) NM 15 44.90 6.80 22.70
Core EPS (0.63) 2.72 2.67 2.12 1.57
Core EPS Growth(%) NM 1.90 26.10 34.50 14.80
Diluted EPS before Amortization (1.02) 2.88 2.51 1.72 1.53
Pre-Provision Earnings per Share 1.37 2.79 2.75 2.18 1.82
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