Financial Highlights

Financial Highlights
2020 FQ1 YTD
3/31/2020
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 5,351,325 5,246,829 4,246,688 3,964,303 3,141,156
Total Net Loans 3,665,104 3,623,262 2,996,550 2,821,880 2,129,236
Total Deposits 3,882,271 3,931,002 3,139,376 2,881,003 2,471,210
Equity Attributable to Parent Company 630,842 656,023 491,992 457,078 340,855
Total Equity 630,842 656,023 491,992 457,078 340,855
Profitability (%)
Net Income($000) 11,655 66,538 53,117 33,117 23,912
Net Income Attributable to Parent($000) 11,655 66,538 53,117 33,117 23,912
ROAA 0.89 1.35 1.31 0.97 0.81
Core ROAA 0.91 1.49 1.36 1.13 0.94
ROAE 6.98 10.98 11.22 8.74 7.90
ROATCE 10.13 16 15.99 12.09 10.65
Core ROAE 7.16 12.12 11.69 10.18 9.24
Net Interest Margin 3.47 3.60 3.64 3.81 3.34
Reported: Net Interest Margin 3.56 3.69 3.71 3.75 3.29
Efficiency Ratio 57.60 55.47 59.04 59.82 64.06
Noninterest Inc/ Operating Rev 21.91 20.88 20.40 22.51 28.26
Balance Sheet Ratios (%)
Loans/ Deposits 95.49 92.52 95.99 98.41 86.43
Securities/ Assets 21.02 20.34 19.54 18.41 21.11
Total Equity/ Total Assets 11.79 12.50 11.59 11.53 10.85
Tangible Equity/ Tangible Assets 8.77 9.43 8.79 8.48 8.33
Tang Common Equity/ Tang Assets 8.77 9.43 8.79 8.48 8.33
Asset Quality (%)
NPAs/ Assets 0.50 0.47 0.39 0.43 0.43
NPA Excl Restructured/ Assets 0.46 0.41 0.35 0.38 0.39
NPAs & 90+ PD/ Assets 0.50 0.47 0.41 0.44 0.44
NPAs/ Loans & REO 0.71 0.68 0.55 0.60 0.64
Nonaccrual & 90+ & OREO/ Assets 0.46 0.41 0.36 0.39 0.39
NPAs & 90+ PD/ Loans & REO 0.72 0.68 0.57 0.61 0.65
NPA & Loans 90+/ Tangible Common Equity + LLR 5.34 5.02 4.54 5.06 5.16
NCOs/ Avg Loans 0.04 0.06 0.05 0.04 0.08
Loan Loss Reserves/ Gross Loans 1.30 0.49 0.59 0.58 0.69
Reserves/ NPAs 182.32 71.34 106.82 95.96 108.63
Loan Loss Provision/ NCO NM 92.81 196.35 270.54 119.69
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 457,000 473,150 371,297 329,892 263,313
Tier 1 Capital($000) 514,493 530,643 409,760 368,355 301,739
Tier 2 Capital($000) 36,722 17,721 17,856 16,445 14,837
Total Capital($000) 551,215 548,364 427,616 384,800 316,576
Total Risk-weighted Assets($000) 4,026,211 3,929,928 3,192,747 2,981,795 2,283,035
Tier 1 Common Capital (CET1) Ratio(%) 11.35 12.04 11.63 11.06 11.50
Tier 1 Ratio(%) 12.78 13.50 12.83 12.35 13.22
Total Capital Ratio(%) 13.69 13.95 13.39 12.91 13.87
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.14 10.50 10.12 9.92 10.44
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 43,763,623 44,975,771 38,375,407 38,294,729 33,257,394
Avg Diluted Shares(actual) 44,756,716 43,597,595 38,395,231 34,760,438 30,123,614
Basic Book Value per Share 14.41 14.59 12.82 11.94 10.25
Book Value per Share, As Reported 14.41 14.59 12.82 11.93 10.25
Basic Tangible Book Value per Share 10.37 10.63 9.43 8.48 7.65
Tangible Book Value per Share, As Reported 10.37 10.63 9.43 8.48 7.65
Common Dividends Declared per Share 0.12 0.46 0.40 0.33 0.27
EPS after Extra 0.26 1.53 1.38 0.95 0.79
EPS after Extra Growth(%) (7.10) 10.90 44.80 20.20 (5.60)
Core EPS 0.27 1.69 1.44 1.11 0.93
Core EPS Growth(%) (28) 17.40 29.50 19.60 (6.10)
Diluted EPS before Amortization 0.28 1.61 1.43 1 0.83
Pre-Provision Earnings per Share 0.37 1.58 1.38 1 0.85
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