Financial Highlights
Financial Highlights
2019 FY
12/31/2019
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 5,656,963 4,437,911 4,708,147 4,858,114 4,765,823
Total Net Loans 2,994,553 2,181,794 1,886,678 1,877,537 1,560,381
Total Deposits 5,052,030 3,935,714 4,260,842 4,238,304 4,414,757
Equity Attributable to Parent Company 484,497 406,776 324,149 298,963 320,001
Total Equity 484,497 406,776 324,149 298,963 320,001
Profitability (%)
Net Income($000) 51,559 88,677 21,673 (96,492) 13,432
Net Income Attributable to Parent($000) 51,559 88,677 21,673 (96,492) 13,432
ROAA 1.09 2.07 0.52 (2.29) 0.29
Core ROAA 1.28 0.94 0.89 (0.35) 0.09
ROAE 11.57 24.26 6.96 (31.19) 4.20
ROATCE 11.92 24.91 7.41 (31.47) 4.52
Core ROAE 13.51 11.04 11.88 (4.74) 1.32
Net Interest Margin 3.29 3.16 2.95 2.63 2.07
Reported: Net Interest Margin 3.32 3.19 3.04 2.74 2.37
Efficiency Ratio 63.97 70.02 75.87 100.16 91.50
Noninterest Inc/ Operating Rev 42.43 43.34 45.82 46.07 54.38
Balance Sheet Ratios (%)
Loans/ Deposits 36.11 38.16 32.63 28.80 24.35
Securities/ Assets 25.62 31.12 30.93 30.27 28.19
Total Equity/ Total Assets 8.56 9.17 6.88 6.15 6.71
Tangible Equity/ Tangible Assets 8.53 9.09 6.78 6.02 6.62
Tang Common Equity/ Tang Assets 8.53 9.09 6.78 6.02 6.62
Asset Quality (%)
NPAs/ Assets NA NA NA NA NA
NPA Excl Restructured/ Assets 0.10 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 0.16 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 0.12 0.10 0.12 0.09 0.11
Loan Loss Reserves/ Gross Loans 0.34 0.40 0.37 0.34 0.28
Reserves/ NPAs NA NA NA NA NA
Loan Loss Provision/ NCO 156.31 176.78 135.44 235.29 156.95
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 476,134 416,029 324,404 290,605 319,500
Tier 1 Capital($000) 476,134 416,029 324,404 290,605 319,500
Tier 2 Capital($000) 10,238 8,653 7,096 6,332 4,400
Total Capital($000) 486,372 424,682 331,500 296,937 323,900
Total Risk-weighted Assets($000) 2,500,923 2,015,471 1,939,240 2,178,448 2,177,464
Tier 1 Common Capital (CET1) Ratio(%) 19.04 20.64 16.73 13.34 14.67
Tier 1 Ratio(%) 19.04 20.64 16.73 13.34 14.67
Total Capital Ratio(%) 19.45 21.07 17.09 13.63 14.88
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.63 10.11 7.90 6.90 7.17
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 56,840,521 56,346,088 55,761,150 55,319,204 37,761,303
Avg Diluted Shares(actual) 57,338,985 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 0.90 1.55 0.39 (2.17) 0.35
EPS after Extra Growth(%) (41.90) 297.40 NM NM (76.50)
Core EPS 1.05 0.71 0.67 (0.33) 0.11
Core EPS Growth(%) 49 6 NM NM (85)
Diluted EPS before Amortization 0.93 1.58 0.42 (2.14) 0.38
Pre-Provision Earnings per Share 1.20 0.86 0.53 (0.04) 0.10
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.