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
Balance Sheet ($000)
Total Assets 4,469,551 3,763,659 3,221,521 2,768,773
Total Net Loans 3,011,707 2,785,492 2,455,220 2,127,118
Total Deposits 3,596,022 3,102,327 2,610,786 2,167,815
Equity Attributable to Parent Company 330,272 304,966 262,830 243,910
Total Equity 330,272 304,966 262,830 243,910
Profitability (%)
Net Income($000) 17,059 40,081 33,719 23,860
Net Income Attributable to Parent($000) 17,059 40,081 33,719 23,860
ROAA 0.86 1.17 1.12 0.89
Core ROAA 0.80 1.18 1.14 0.97
ROAE 10.74 14.05 13.46 9.97
ROATCE 12.32 16.40 16.28 12.37
Core ROAE 9.99 14.08 13.74 10.90
Net Interest Margin NA 3.61 3.72 3.75
Reported: Net Interest Margin 3.31 3.69 3.77 3.85
Efficiency Ratio 60.28 60.82 61.87 60.66
Noninterest Inc/ Operating Rev 15.65 17.70 16.29 17.01
Balance Sheet Ratios (%)
Loans/ Deposits 84.26 90.38 94.78 98.99
Securities/ Assets 12.67 15.43 17.11 15.86
Total Equity/ Total Assets 7.39 8.10 8.16 8.81
Tangible Equity/ Tangible Assets 6.58 7.14 7.02 7.46
Tang Common Equity/ Tang Assets 6.58 7.14 7.02 7.46
Asset Quality (%)
NPAs/ Assets NA 0.77 0.70 1
NPA Excl Restructured/ Assets NA 0.58 0.44 0.69
NPAs & 90+ PD/ Assets NA 0.77 0.72 1.02
NPAs/ Loans & REO NA 1.04 0.91 1.28
Nonaccrual & 90+ & OREO/ Assets NA 0.58 0.47 0.72
NPAs & 90+ PD/ Loans & REO NA 1.04 0.94 1.32
NPA & Loans 90+/ Tangible Common Equity + LLR NA 10.21 9.61 12.65
NCOs/ Avg Loans 0.26 0.24 0.26 0.16
Loan Loss Reserves/ Gross Loans 0.81 0.69 0.80 0.92
Reserves/ NPAs NA 66.93 87.72 71.41
Loan Loss Provision/ NCO 236.54 96.31 100.18 202.16
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 261,333 229,636 208,015
Tier 1 Capital($000) NA 281,333 249,636 228,015
Tier 2 Capital($000) NA 69,473 69,704 69,693
Total Capital($000) NA 350,806 319,340 297,708
Total Risk-weighted Assets($000) NA 2,803,880 2,418,495 2,079,585
Tier 1 Common Capital (CET1) Ratio(%) 9.78 9.32 9.50 10
Tier 1 Ratio(%) 10.48 10.03 10.33 10.97
Total Capital Ratio(%) 13.11 12.51 13.21 14.32
Liquidity Coverage Ratio(%) NA NA NA NA
Leverage Ratio(%) 7.55 7.86 7.87 8.45
Basel III Leverage Ratio(%) NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 15,396,561 15,247,985 15,207,281 15,264,740
Avg Diluted Shares(actual) 15,312,965 15,164,280 15,210,344 15,131,583
Basic Book Value per Share 21.45 20 17.28 15.98
Book Value per Share, As Reported 21.45 20 17.28 15.98
Basic Tangible Book Value per Share 18.94 17.45 14.69 13.33
Tangible Book Value per Share, As Reported 18.94 17.45 14.69 13.33
Common Dividends Declared per Share 0.34 0.68 0.67 0.66
EPS after Extra 1.11 2.63 2.21 1.57
EPS after Extra Growth(%) (11.90) 19 40.80 10.60
Core EPS 1.03 2.64 2.26 1.72
Core EPS Growth(%) (17.10) 16.80 31.50 7.80
Diluted EPS before Amortization 1.12 2.67 2.27 1.65
Pre-Provision Earnings per Share 1.42 2.81 2.40 1.73
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.