Balance Sheet

Financial Highlights
2020 FQ3 YTD
9/30/2020
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 18,273 15,409 15,147 17,446 18,412
Fed Funds Sold 0 0 0 0 0
Deposits at Financial Institutions 332,566 132,409 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 350,839 147,818 77,762 57,839 96,085
Trading Account Securities 10,993 11,222 8,968 9,597 7,857
Available for Sale Securities 1,171,430 1,138,352 808,031 513,782 496,429
Held to Maturity Securities 8,106 8,762 9,505 9,931 10,148
Other Securities 34,268 42,916 23,797 26,385 27,591
Total Cash & Securities 1,575,636 1,349,070 928,063 617,534 638,110
Gross Loans Held for Investment 3,731,617 3,437,085 3,245,170 3,140,819 2,968,084
Loan Loss Reserve 38,716 28,707 27,497 26,160 24,595
Loans Held for Sale, before Reserves 0 0 0 0 0
Total Net Loans 3,692,901 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 41,594 38,411 38,411 38,411 38,411
Core Deposit Intangibles 704 769 1,034 1,360 1,746
Other Intangibles 0 0 0 0 0
Intangible Assets other than Goodwill 704 769 1,034 1,360 1,746
Total Intangible Assets 42,298 39,180 39,445 39,771 40,157
Loan Servicing Rights 97 106 119 132 145
Credit Card Rights 0 0 0 0 0
Other Loan Servicing Rights 0 0 0 0 0
Total Servicing Rights 97 106 119 132 145
Fixed Assets 71,580 65,163 25,605 25,746 26,910
Interest Receivable 14,061 14,609 12,959 10,713 9,714
Prepaid Expense NA NA NA NA NA
Bank-owned Life Insurance 161,806 153,459 154,135 150,604 148,047
Other Assets 30,461 25,337 30,433 31,408 42,672
Total Other Assets 277,908 258,568 223,132 218,471 227,343
Total Assets 5,588,840 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 4,121,164 3,408,233 3,286,512 2,836,979 2,713,587
FHLB Borrowings 535,000 776,000 403,502 464,217 453,220
Senior Debt 664,995 901,073 408,891 471,549 473,206
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 664,995 901,073 408,891 471,549 473,206
Total Other Liabilities 45,283 50,143 46,590 44,012 42,105
Total Liabilities 4,831,442 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 757,398 695,853 666,439 638,877 621,196
Equity Attributable to Parent Company 757,398 695,853 666,439 638,877 621,196
Noncontrolling Interests 0 0 0 0 0
Total Equity 757,398 695,853 666,439 638,877 621,196
Net Unrealized Gain 14,449 4,741 (9,050) (5,181) (4,018)
Tot Acc Other Comprehensive Inc 14,407 4,699 (9,147) (5,451) (4,332)
Balance Sheet Analysis (%)
Gross Loans HFI/ Total Assets 66.77 67.99 73.61 78.69 77.09
Loans/ Deposits 90.55 100.85 98.74 110.71 109.38
Loan Loss Reserves/ Gross Loans 1.04 0.84 0.85 0.83 0.83
Reserves/ Loans Held For Investment 1.04 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) 15,495 11,472 9,205 9,920 8,128
Level 2 Assets($000) 1,171,430 1,138,352 808,031 513,782 498,626
Level 3 Assets($000) 6,113 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) 394 369 358 338 348
Annualized Growth Rates (%)
Asset Growth 14.07 14.67 10.45 3.67 20.22
Gross Loans HFI Growth 11.43 5.91 3.32 5.82 25.04
Deposit Growth 27.89 3.70 15.85 4.55 32.18
Average Balances ($000)
Avg Gross Loans HFI 3,594,409 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 3,594,409 3,297,859 3,176,965 3,052,410 2,781,336
Avg Securities 1,140,571 1,022,345 718,936 529,484 608,000
Avg Other Int Earn Assets 153,251 67,289 63,898 64,868 74,892
Avg Secs & Other Int Earn Assets 1,293,822 1,089,634 782,834 594,352 682,892
Avg Interest Earning Assets 4,888,231 4,387,493 3,959,799 3,646,762 3,464,228
Avg Assets 5,174,018 4,685,365 4,201,927 3,916,923 3,732,382
Avg CDs 1,008,373 1,027,122 956,821 625,067 580,973
Avg Other Interest-bearing Deposits 2,229,601 1,921,564 1,681,567 1,713,863 1,619,250
Avg Interest-bearing Deposits 3,237,974 2,948,686 2,638,388 2,338,930 2,200,223
Avg Debt 657,098 576,284 459,180 494,361 491,802
Avg Interest-bearing Liabs 3,895,072 3,524,970 3,097,568 2,833,291 2,692,025
Avg Noninterest-bearing Deposits 467,243 384,740 405,319 385,891 372,946
Avg Total Deposits 3,705,217 3,333,426 3,043,707 2,724,821 2,573,169
Avg Preferred Equity 0 0 0 0 0
Avg Common Equity 718,883 683,186 649,883 638,707 613,603
Avg Equity 718,883 683,186 649,883 638,707 613,603
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