Financial Highlights Report
Financial Highlights
2020 FQ2 YTD
6/30/2020
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 2,434,906 2,181,476 2,118,822 2,083,070 2,076,018
Total Net Loans 1,981,280 1,761,932 1,684,804 1,619,850 1,556,416
Total Deposits 1,947,901 1,677,864 1,595,993 1,506,082 1,518,071
Equity Attributable to Parent Company 229,520 232,024 237,029 247,281 238,396
Total Equity 229,520 232,024 237,029 247,281 238,396
Profitability (%)
Net Income($000) 4,101 13,349 16,408 12,320 4,834
Net Income Attributable to Parent($000) 4,101 13,349 16,408 12,320 4,834
ROAA 0.36 0.63 0.78 0.59 0.32
Core ROAA 0.37 0.64 0.79 0.81 0.45
ROAE 3.56 5.79 6.82 4.94 2.95
ROATCE 3.96 6.36 7.45 5.40 3.02
Core ROAE 3.64 5.89 6.84 6.77 4.13
Net Interest Margin 2.81 2.93 3.08 3.12 2.70
Reported: Net Interest Margin 2.82 2.93 3.08 3.12 2.70
Efficiency Ratio 70.73 69.60 66.07 63.74 73.46
Noninterest Inc/ Operating Rev 13.02 14.25 12.91 12.44 11.45
Balance Sheet Ratios (%)
Loans/ Deposits 102.65 105.85 106.32 108.27 103.18
Securities/ Assets 9.95 11.41 12.97 14.59 15.23
Total Equity/ Total Assets 9.43 10.64 11.19 11.87 11.48
Tangible Equity/ Tangible Assets 8.84 9.98 10.50 11.17 10.70
Tang Common Equity/ Tang Assets 8.84 9.98 10.50 11.17 10.70
Asset Quality (%)
NPAs/ Assets NA 0.52 0.75 0.71 0.79
NPA Excl Restructured/ Assets NA 0.45 0.64 0.62 0.69
NPAs & 90+ PD/ Assets NA 0.52 0.75 0.71 0.79
NPAs/ Loans & REO NA 0.64 0.94 0.90 1.05
Nonaccrual & 90+ & OREO/ Assets NA 0.45 0.64 0.62 0.69
NPAs & 90+ PD/ Loans & REO NA 0.64 0.94 0.90 1.05
NPA & Loans 90+/ Tangible Common Equity + LLR NA 4.94 6.82 6.09 7.15
NCOs/ Avg Loans 0.04 0.04 0.04 0.04 (0.06)
Loan Loss Reserves/ Gross Loans 0.91 0.79 0.71 0.66 0.64
Reserves/ NPAs NA 123.91 75.88 73.63 61.19
Loan Loss Provision/ NCO NM 427.32 280.24 227.81 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 220,451 226,124 235,308 244,774 235,261
Tier 1 Capital($000) 220,451 226,124 235,308 244,774 235,261
Tier 2 Capital($000) 18,252 14,102 12,053 10,831 10,128
Total Capital($000) 238,703 240,226 247,361 255,605 245,389
Total Risk-weighted Assets($000) 1,704,957 1,724,821 1,661,145 1,646,384 1,625,468
Tier 1 Common Capital (CET1) Ratio(%) 12.93 13.11 14.14 14.87 14.47
Tier 1 Ratio(%) 12.93 13.11 14.14 14.87 14.47
Total Capital Ratio(%) 14 13.93 14.87 15.53 15.10
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.50 10.45 11.14 11.84 12.19
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 25,644,334 26,557,981 28,393,348 30,487,309 30,380,231
Avg Diluted Shares(actual) 25,272,769 26,303,140 29,029,394 30,026,638 19,803,744
Basic Book Value per Share 8.95 8.74 8.35 8.11 7.85
Book Value per Share, As Reported 8.95 8.74 8.35 8.11 7.85
Basic Tangible Book Value per Share 8.34 8.14 7.78 7.57 7.25
Tangible Book Value per Share, As Reported 8.34 8.14 7.78 7.57 7.25
Common Dividends Declared per Share 0.10 0.20 0.16 0.12 0.12
EPS after Extra 0.16 0.51 0.57 0.41 0.24
EPS after Extra Growth(%) (36) (10.50) 39 70.80 (27.30)
Core EPS 0.16 0.52 0.57 0.56 0.34
Core EPS Growth(%) (35.50) (9.30) 1.90 67 24.30
Diluted EPS before Amortization 0.17 0.52 0.58 0.42 0.24
Pre-Provision Earnings per Share 0.30 0.60 0.62 0.51 0.35
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.