Financial Highlights

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 4,458,311 3,839,426 3,839,734 2,841,539 2,884,535
Total Net Loans 3,166,881 2,668,436 2,618,330 1,919,524 1,809,239
Total Deposits 3,385,827 2,917,366 2,988,686 2,274,639 2,329,887
Equity Attributable to Parent Company 549,273 526,609 475,864 307,964 280,673
Total Equity 549,273 526,609 475,864 307,964 280,673
Profitability (%)
Net Income($000) 20,136 47,943 36,600 26,684 21,840
Net Income Attributable to Parent($000) 20,136 47,943 36,600 26,684 21,840
ROAA 0.99 1.25 1.13 0.94 0.94
Core ROAA 1.06 1.39 1.33 1.08 0.99
ROAE 7.48 9.49 9.59 8.92 9.24
ROATCE 10.77 13.98 13.50 12.18 13.16
Core ROAE 7.97 10.56 11.31 10.22 9.78
Net Interest Margin 3.38 3.68 3.80 3.70 3.40
Reported: Net Interest Margin 3.37 3.64 3.79 3.70 3.39
Efficiency Ratio 55.77 56.75 54.28 54.65 58.68
Noninterest Inc/ Operating Rev 32.49 30.52 23.60 23.89 26.54
Balance Sheet Ratios (%)
Loans/ Deposits 94.49 92.33 88.43 85.22 78.32
Securities/ Assets 16.57 20.05 20.13 23.09 24.38
Total Equity/ Total Assets 12.32 13.72 12.39 10.84 9.73
Tangible Equity/ Tangible Assets 9.69 10.65 9.15 8.59 7.50
Tang Common Equity/ Tang Assets 9.69 10.65 9.15 8.59 7.50
Asset Quality (%)
NPAs/ Assets 0.57 0.82 0.84 0.72 0.70
NPA Excl Restructured/ Assets 0.51 0.75 0.78 0.69 0.49
NPAs & 90+ PD/ Assets 0.57 0.82 0.84 0.72 0.70
NPAs/ Loans & REO 0.79 1.17 1.22 1.05 1.11
Nonaccrual & 90+ & OREO/ Assets 0.51 0.75 0.78 0.69 0.49
NPAs & 90+ PD/ Loans & REO 0.79 1.17 1.22 1.05 1.11
NPA & Loans 90+/ Tangible Common Equity + LLR 5.55 7.48 8.86 7.89 8.92
NCOs/ Avg Loans 0.13 0.22 0.11 0.23 0.04
Loan Loss Reserves/ Gross Loans 1.20 1 0.99 1.03 0.92
Reserves/ NPAs 151.12 85.33 80.97 98.18 82.84
Loan Loss Provision/ NCO 638.65 112.64 353.03 176.07 435.44
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 417,326 398,536 357,690 246,866 229,341
Tier 1 Capital($000) 436,254 417,394 386,690 270,866 253,258
Tier 2 Capital($000) 34,996 26,911 26,189 19,977 16,804
Total Capital($000) 471,250 444,305 412,879 290,843 270,062
Total Risk-weighted Assets($000) 3,101,449 2,822,648 3,030,259 2,290,253 2,111,787
Tier 1 Common Capital (CET1) Ratio(%) 13.46 14.12 11.80 10.78 10.86
Tier 1 Ratio(%) 14.07 14.79 12.76 11.83 11.99
Total Capital Ratio(%) 15.19 15.74 13.63 12.70 12.79
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.43 11.20 11.15 9.91 9.19
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 16,728,189 16,673,479 16,644,635 12,660,748 12,470,999
Avg Diluted Shares(actual) 16,748,444 16,709,476 14,500,585 12,536,534 10,663,710
Basic Book Value per Share 32.84 31.58 28.59 24.32 22.51
Book Value per Share, As Reported 32.84 31.58 28.57 24.32 22.51
Basic Tangible Book Value per Share 25.08 23.68 20.36 18.80 16.92
Tangible Book Value per Share, As Reported 25.02 23.59 20.22 18.73 16.84
Common Dividends Declared per Share 0.40 0.76 0.70 0.66 0.62
EPS after Extra 1.20 2.87 2.52 2.13 2.05
EPS after Extra Growth(%) (17.20) 13.90 18.30 3.90 13.30
Core EPS 1.28 3.20 2.97 2.44 2.17
Core EPS Growth(%) (24) 7.50 21.70 12.60 11.50
Diluted EPS before Amortization 1.34 3.17 2.72 2.29 2.22
Pre-Provision Earnings per Share 1.76 3.39 3.40 2.65 2.24
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