Balance Sheet

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
Assets ($000)
Cash and Due from Banks 20,080 15,409 15,147 17,446 18,412
Fed Funds Sold 0 0 0 0 0
Deposits at Financial Institutions 94,619 132,409 62,615 40,393 77,673
Securities Purchased, to Resell 0 0 0 0 0
Other Cash & Cash Equivalents 0 0 0 0 0
Cash and Cash Equivalents 114,699 147,818 77,762 57,839 96,085
Trading Account Securities 8,388 11,222 8,968 9,597 7,857
Available for Sale Securities 1,061,443 1,138,352 808,031 513,782 496,429
Held to Maturity Securities 8,706 8,762 9,505 9,931 10,148
Other Securities 33,338 42,916 23,797 26,385 27,591
Total Cash & Securities 1,226,574 1,349,070 928,063 617,534 638,110
Gross Loans Held for Investment 3,509,137 3,437,085 3,245,170 3,140,819 2,968,084
Loan Loss Reserve 36,800 28,707 27,497 26,160 24,595
Loans Held for Sale, before Reserves 0 0 0 0 0
Total Net Loans 3,472,337 3,408,378 3,217,673 3,114,659 2,943,489
Real Estate Owned and Held for Investment 0 0 0 850 850
Goodwill 38,411 38,411 38,411 38,411 38,411
Core Deposit Intangibles 714 769 1,034 1,360 1,746
Other Intangibles 0 0 0 0 0
Intangible Assets other than Goodwill 714 769 1,034 1,360 1,746
Total Intangible Assets 39,125 39,180 39,445 39,771 40,157
Loan Servicing Rights 103 106 119 132 145
Credit Card Rights 0 0 0 0 0
Other Loan Servicing Rights 0 0 0 0 0
Total Servicing Rights 103 106 119 132 145
Fixed Assets 67,143 65,163 25,605 25,746 26,910
Interest Receivable 14,298 14,609 12,959 10,713 9,714
Prepaid Expense NA NA NA NA NA
Bank-owned Life Insurance 154,333 153,459 154,135 150,604 148,047
Other Assets 22,868 25,337 30,433 31,408 42,672
Total Other Assets 258,642 258,568 223,132 218,471 227,343
Total Assets 4,996,781 5,055,302 4,408,432 3,991,417 3,850,094
Memo: Consolidated VIE Assets 0 0 0 0 0
Memo: Covered Loans 0 0 0 0 0
Memo: Covered OREO 0 0 0 0 0
Memo: Covered Securities 0 0 0 0 0
Memo: Covered Assets 0 0 0 0 0
Liabilities ($000)
Total Deposits 3,485,546 3,408,233 3,286,512 2,836,979 2,713,587
FHLB Borrowings 635,000 776,000 403,502 464,217 453,220
Senior Debt 762,289 901,073 408,891 471,549 473,206
Trust Preferred (FAS 150) 0 0 0 0 0
Total Subordinated Debt 0 0 0 0 0
Redeemable Financial Instruments (FAS 150) 0 0 0 0 0
Total Debt 762,289 901,073 408,891 471,549 473,206
Total Other Liabilities 46,630 50,143 46,590 44,012 42,105
Total Liabilities 4,294,465 4,359,449 3,741,993 3,352,540 3,228,898
Memo: Consolidated VIE Liabilities 0 0 0 0 0
Mezzanine ($000)
Redeemable Preferred 0 0 0 0 0
Trust Preferred Securities 0 0 0 0 0
Total Minority Interest 0 0 0 0 0
Other Mezzanine Items 0 0 0 0 0
Total Mezzanine Level Items 0 0 0 0 0
Equity ($000)
TARP Preferred Equity 0 0 0 0 0
Other Preferred Equity 0 0 0 0 0
Total Preferred Equity 0 0 0 0 0
Common Equity 702,316 695,853 666,439 638,877 621,196
Equity Attributable to Parent Company 702,316 695,853 666,439 638,877 621,196
Noncontrolling Interests 0 0 0 0 0
Total Equity 702,316 695,853 666,439 638,877 621,196
Net Unrealized Gain 10,735 4,741 (9,050) (5,181) (4,018)
Tot Acc Other Comprehensive Inc 10,693 4,699 (9,147) (5,451) (4,332)
Balance Sheet Analysis (%)
Gross Loans HFI/ Total Assets 70.23 67.99 73.61 78.69 77.09
Loans/ Deposits 100.68 100.85 98.74 110.71 109.38
Loan Loss Reserves/ Gross Loans 1.05 0.84 0.85 0.83 0.83
Reserves/ Loans Held For Investment 1.05 0.84 0.85 0.83 0.83
One Year Gap/ Assets NA NA NA NA NA
1-4 Loans Serviced for Others($000) 0 0 0 0 0
Level 1 Assets($000) 8,762 11,472 9,205 9,920 8,128
Level 2 Assets($000) 1,061,443 1,138,352 808,031 513,782 498,626
Level 3 Assets($000) 4,208 4,942 5,697 7,333 15,328
Level 1 Liabilities($000) NA NA 0 0 0
Level 2 Liabilities($000) NA NA 0 0 0
Level 3 Liabilities($000) NA NA 0 0 0
FTE Employees(actual) 364 369 358 338 348
Annualized Growth Rates (%)
Asset Growth (4.63) 14.67 10.45 3.67 20.22
Gross Loans HFI Growth 8.39 5.91 3.32 5.82 25.04
Deposit Growth 9.07 3.70 15.85 4.55 32.18
Average Balances ($000)
Avg Gross Loans HFI 3,471,367 3,297,859 3,176,965 3,052,410 2,781,336
Avg Loans HFS 0 0 0 0 0
Average Loans, Gross of Reserves 3,471,367 3,297,859 3,176,965 3,052,410 2,781,336
Avg Securities 1,142,361 1,022,345 718,936 529,484 608,000
Avg Other Int Earn Assets 70,225 67,289 63,898 64,868 74,892
Avg Secs & Other Int Earn Assets 1,212,586 1,089,634 782,834 594,352 682,892
Avg Interest Earning Assets 4,683,953 4,387,493 3,959,799 3,646,762 3,464,228
Avg Assets 4,973,878 4,685,365 4,201,927 3,916,923 3,732,382
Avg CDs 1,114,043 1,027,122 956,821 625,067 580,973
Avg Other Interest-bearing Deposits 2,002,066 1,921,564 1,681,567 1,713,863 1,619,250
Avg Interest-bearing Deposits 3,116,109 2,948,686 2,638,388 2,338,930 2,200,223
Avg Debt 679,476 576,284 459,180 494,361 491,802
Avg Interest-bearing Liabs 3,795,585 3,524,970 3,097,568 2,833,291 2,692,025
Avg Noninterest-bearing Deposits 382,044 384,740 405,319 385,891 372,946
Avg Total Deposits 3,498,153 3,333,426 3,043,707 2,724,821 2,573,169
Avg Preferred Equity 0 0 0 0 0
Avg Common Equity 703,120 683,186 649,883 638,707 613,603
Avg Equity 703,120 683,186 649,883 638,707 613,603
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