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 3,612,012 3,357,572 2,182,644 1,759,855 1,220,301
Total Net Loans 2,735,175 2,646,677 1,846,274 1,405,009 1,042,731
Total Deposits 3,021,692 2,790,774 1,660,554 1,404,355 993,780
Equity Attributable to Parent Company 308,536 299,124 264,517 236,884 109,491
Total Equity 308,536 299,124 264,517 236,884 109,491
Profitability (%)
Net Income($000) 6,097 30,134 25,554 12,369 5,013
Net Income Attributable to Parent($000) 6,097 30,134 25,554 12,369 5,013
ROAA 0.71 1.06 1.31 0.81 0.46
Core ROAA 0.61 1.06 1.29 0.92 0.45
ROAE 7.96 10.66 10.18 9.27 5.56
ROATCE 8.28 11.10 10.79 10.33 NA
Core ROAE 6.91 10.64 10.03 10.45 5.53
Net Interest Margin 3.38 3.46 3.70 3.52 3.53
Reported: Net Interest Margin 3.38 3.46 3.70 3.52 3.53
Efficiency Ratio 60.42 55.42 52.42 51.66 63
Noninterest Inc/ Operating Rev 10.31 9.77 14.10 17.65 12.39
Balance Sheet Ratios (%)
Loans/ Deposits 91.54 95.78 112.32 101.11 106.11
Securities/ Assets 6.29 7.81 2.72 2.91 4.62
Total Equity/ Total Assets 8.54 8.91 12.12 13.46 8.97
Tangible Equity/ Tangible Assets 8.29 8.64 11.73 12.98 8.24
Tang Common Equity/ Tang Assets 8.14 8.48 11.47 12.66 7.79
Asset Quality (%)
NPAs/ Assets 0.21 0.16 0.07 0.35 0.95
NPA Excl Restructured/ Assets 0.17 0.12 0 0.19 0.30
NPAs & 90+ PD/ Assets 0.22 0.18 0.08 0.35 0.95
NPAs/ Loans & REO 0.27 0.21 0.08 0.43 1.10
Nonaccrual & 90+ & OREO/ Assets 0.18 0.13 0.01 0.19 0.30
NPAs & 90+ PD/ Loans & REO 0.28 0.22 0.10 0.43 1.10
NPA & Loans 90+/ Tangible Common Equity + LLR 2.40 1.91 0.67 2.57 10.89
NCOs/ Avg Loans 0.02 (0.13) (0.06) 0.32 0.66
Loan Loss Reserves/ Gross Loans 1.12 0.98 1.02 1.05 1.12
Reserves/ NPAs 408.99 475.43 NM 244.53 102.30
Loan Loss Provision/ NCO NM NM NM 177.05 130.27
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 282,646 249,655 221,803 114,421
Tier 1 Capital($000) NA 308,769 275,158 247,305 119,923
Tier 2 Capital($000) NA 41,634 43,895 39,734 11,972
Total Capital($000) NA 350,403 319,053 287,039 131,895
Total Risk-weighted Assets($000) NA 2,798,475 1,888,464 1,445,913 1,059,454
Tier 1 Common Capital (CET1) Ratio(%) 9.80 10.10 13.22 15.34 10.80
Tier 1 Ratio(%) 10.70 11.03 14.57 17.09 11.32
Total Capital Ratio(%) 12.10 12.52 16.96 19.86 12.45
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.10 9.42 13.72 13.71 10.49
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 8,294,801 8,312,918 8,217,274 8,196,310 4,539,925
Avg Diluted Shares(actual) 8,412,782 8,339,141 8,288,524 5,202,234 3,673,026
Basic Book Value per Share 36.53 35.32 31.52 28.23 22.91
Book Value per Share, As Reported 36.51 35.32 31.52 28.23 22.91
Basic Tangible Book Value per Share 35.36 34.15 30.34 27.04 20.76
Tangible Book Value per Share, As Reported 35.33 34.15 30.34 27.04 20.76
Common Dividends Declared per Share 0 0 0 0 NA
EPS after Extra 0.72 3.56 3.06 2.34 0.43
EPS after Extra Growth(%) (28.70) 16.30 30.80 444.20 (72.10)
Core EPS 0.62 3.55 3.02 2.65 0.42
Core EPS Growth(%) (37.90) 17.80 13.70 527.10 (72.50)
Diluted EPS before Amortization 0.72 3.56 3.06 2.34 0.43
Pre-Provision Earnings per Share 1.20 4.51 3.74 3.83 1.93
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