Financial Highlights
Financial Highlights
2019 FQ3 YTD
9/30/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
Balance Sheet ($000)
Total Assets 4,943,536 4,437,911 4,708,147 4,858,114 4,765,823
Total Net Loans 2,162,257 2,181,794 1,888,448 1,879,719 1,563,615
Total Deposits 4,345,697 3,935,714 4,260,842 4,238,304 4,414,757
Equity Attributable to Parent Company 484,174 406,776 324,149 298,963 320,001
Total Equity 484,174 406,776 324,149 298,963 320,001
Profitability (%)
Net Income($000) 49,705 88,677 21,673 (96,492) 13,432
Net Income Attributable to Parent($000) 49,705 88,677 21,673 (96,492) 13,432
ROAA 1.42 2.07 0.52 (2.29) 0.29
Core ROAA 1.46 0.94 0.89 (0.35) 0.09
ROAE 14.88 24.26 6.96 (31.19) 4.20
ROATCE 15.26 24.91 7.41 (31.47) 4.52
Core ROAE 15.30 11.04 11.88 (4.74) 1.32
Net Interest Margin 3.36 3.16 2.95 2.63 2.07
Reported: Net Interest Margin 3.40 3.19 3.04 2.74 2.37
Efficiency Ratio 61.77 70.05 75.87 100.16 91.50
Noninterest Inc/ Operating Rev 44.08 43.34 45.82 46.07 54.38
Balance Sheet Ratios (%)
Loans/ Deposits 38.74 38.16 32.67 28.85 24.42
Securities/ Assets 30.76 31.12 30.93 30.27 28.19
Total Equity/ Total Assets 9.79 9.17 6.88 6.15 6.71
Tangible Equity/ Tangible Assets 9.74 9.09 6.78 6.02 6.62
Tang Common Equity/ Tang Assets 9.74 9.09 6.78 6.02 6.62
Asset Quality (%)
NPAs/ Assets NA NA NA NA NA
NPA Excl Restructured/ Assets 0.13 0.10 0.09 0.06 0.04
NPAs & 90+ PD/ Assets NA NA NA NA NA
NPAs/ Loans & REO NA NA NA NA NA
Nonaccrual & 90+ & OREO/ Assets 0.19 0.12 0.10 0.08 0.05
NPAs & 90+ PD/ Loans & REO NA NA NA NA NA
NPA & Loans 90+/ Tangible Common Equity + LLR NA NA NA NA NA
NCOs/ Avg Loans 0.07 0.10 0.12 0.09 0.11
Loan Loss Reserves/ Gross Loans 0.48 0.40 0.37 0.34 0.28
Reserves/ NPAs NA NA NA NA NA
Loan Loss Provision/ NCO 237.33 176.78 135.44 235.29 156.95
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 416,029 324,404 290,605 319,500
Tier 1 Capital($000) NA 416,029 324,404 290,605 319,500
Tier 2 Capital($000) NA 8,653 7,096 6,332 4,400
Total Capital($000) NA 424,682 331,500 296,937 323,900
Total Risk-weighted Assets($000) NA 2,015,471 1,939,240 2,178,448 2,177,464
Tier 1 Common Capital (CET1) Ratio(%) 25.09 20.64 16.73 13.34 14.67
Tier 1 Ratio(%) 25.09 20.64 16.73 13.34 14.67
Total Capital Ratio(%) 25.64 21.07 17.09 13.63 14.88
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.53 10.11 7.90 6.90 7.17
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 56,810,521 56,346,088 55,761,150 55,319,204 37,761,303
Avg Diluted Shares(actual) 57,152,371 57,068,306 56,176,269 44,567,357 38,074,218
Basic Book Value per Share 8.52 7.22 5.81 5.40 8.47
Book Value per Share, As Reported 8.52 7.22 5.81 5.40 8.47
Basic Tangible Book Value per Share 8.48 7.15 5.72 5.28 8.34
Tangible Book Value per Share, As Reported NA NA NA NA NA
Common Dividends Declared per Share 0 0 0 0 0
EPS after Extra 0.87 1.55 0.39 (2.17) 0.35
EPS after Extra Growth(%) (39.20) 297.40 NM NM (76.50)
Core EPS 0.90 0.71 0.67 (0.33) 0.11
Core EPS Growth(%) 52.70 6 NM NM (85)
Diluted EPS before Amortization 0.89 1.58 0.42 (2.14) 0.38
Pre-Provision Earnings per Share 0.99 0.86 0.53 (0.04) 0.10
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