Financial Highlights
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Financial Highlights
2016 FY
12/31/2016
2017 FY
12/31/2017
2018 FY
12/31/2018
2019 FY
12/31/2019
2020 FQ1 YTD
3/31/2020
Balance Sheet ($000)
Total Assets 4,701,346 5,210,485 5,502,219 5,538,184 5,617,690
Total Net Loans 3,821,656 4,279,809 4,577,956 4,554,759 4,477,136
Total Deposits 3,809,737 4,348,654 4,747,235 4,698,962 4,582,068
Equity Attributable to Parent Company 531,025 562,477 552,568 563,267 552,958
Total Equity 531,025 562,477 552,568 563,267 552,958
Profitability (%)
Net Income($000) 56,489 54,660 57,868 32,788 2,350
Net Income Attributable to Parent($000) 56,489 54,660 57,868 32,788 2,350
ROAA 1.29 1.10 1.08 0.60 0.17
Core ROAA 1.23 1.14 1.10 0.60 0.17
ROAE 10.89 9.97 10.07 5.80 1.68
ROATCE 10.90 10.19 10.29 5.94 1.74
Core ROAE 10.34 10.30 10.28 5.77 1.72
Net Interest Margin 3.95 3.82 3.57 3.37 3.34
Reported: Net Interest Margin 3.95 3.82 3.57 3.37 3.36
Efficiency Ratio 56.50 54.41 56.57 61.24 61.76
Noninterest Inc/ Operating Rev 14.90 14.45 12.08 12.46 12.40
Balance Sheet Ratios (%)
Loans/ Deposits 100.92 98.98 96.91 98.11 99.16
Securities/ Assets 11.36 11.44 10.76 11.77 11.38
Total Equity/ Total Assets 11.30 10.80 10.04 10.17 9.84
Tangible Equity/ Tangible Assets 11.05 10.58 9.82 9.95 9.63
Tang Common Equity/ Tang Assets 11.05 10.58 9.82 9.95 9.63
Asset Quality (%)
NPAs/ Assets 0.58 0.42 0.37 1.15 0.84
NPA Excl Restructured/ Assets 0.34 0.28 0.26 1.13 0.83
NPAs & 90+ PD/ Assets 0.58 0.42 0.37 1.15 0.94
NPAs/ Loans & REO 0.70 0.51 0.45 1.38 1.04
Nonaccrual & 90+ & OREO/ Assets 0.34 0.28 0.26 1.13 0.93
NPAs & 90+ PD/ Loans & REO 0.70 0.51 0.45 1.38 1.17
NPA & Loans 90+/ Tangible Common Equity + LLR 4.92 3.78 3.60 10.39 8.75
NCOs/ Avg Loans 0.18 0.05 0.07 0.02 2.41
Loan Loss Reserves/ Gross Loans 0.84 0.72 0.69 1.33 1.46
Reserves/ NPAs 119.61 141.54 155.69 96.64 140.88
Loan Loss Provision/ NCO (70.36) 37.48 130.43 NM 57.74
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 509,239 537,950 531,177 536,781 523,750
Tier 1 Capital($000) 520,477 553,970 550,839 556,820 543,885
Tier 2 Capital($000) 33,612 130,302 131,559 157,468 153,763
Total Capital($000) 554,089 684,272 682,398 714,288 697,648
Total Risk-weighted Assets($000) 3,998,760 4,414,633 4,693,111 4,725,741 4,722,723
Tier 1 Common Capital (CET1) Ratio(%) 12.73 12.19 11.32 11.36 11.09
Tier 1 Ratio(%) 13.02 12.55 11.74 11.78 11.52
Total Capital Ratio(%) 13.86 15.50 14.54 15.11 14.77
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.53 10.79 10.18 10.15 9.91
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 32,330,747 32,431,627 30,928,437 30,799,624 30,622,741
Avg Diluted Shares(actual) 32,048,704 32,249,918 32,051,333 30,760,422 30,472,899
Basic Book Value per Share 16.42 17.34 17.87 18.29 18.06
Book Value per Share, As Reported 16.42 17.34 17.87 18.29 18.06
Basic Tangible Book Value per Share 16.03 16.96 17.43 17.86 17.63
Tangible Book Value per Share, As Reported 16.03 16.96 17.47 17.90 17.67
Common Dividends Declared per Share 0.66 0.80 0.96 0.96 0.24
EPS after Extra 1.75 1.69 1.79 1.06 0.08
Core EPS 1.66 1.75 1.83 1.06 0.08
Core EPS Growth(%) 17.70 5.10 4.70 (42.30) (82.60)
Diluted EPS before Amortization 1.76 1.70 1.80 1.07 0.08
Pre-Provision Earnings per Share 1.62 1.86 2.18 1.97 0.52
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