Balance Sheet

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
Assets ($000)
Cash and Due from Banks 15,409 15,147 17,446 18,412 15,324
Fed Funds Sold 0 0 0 0 0
Deposits at Financial Institutions 132,409 62,615 40,393 77,673 36,529
Securities Purchased, to Resell 0 0 0 0 0
Other Cash & Cash Equivalents 0 0 0 0 0
Cash and Cash Equivalents 147,818 77,762 57,839 96,085 51,853
Trading Account Securities 11,222 8,968 9,597 7,857 6,713
Available for Sale Securities 1,138,352 808,031 513,782 496,429 541,114
Held to Maturity Securities 8,762 9,505 9,931 10,148 10,346
Other Securities 42,916 23,797 26,385 27,591 26,284
Total Cash & Securities 1,349,070 928,063 617,534 638,110 636,310
Gross Loans Held for Investment 3,437,085 3,245,170 3,140,819 2,968,084 2,373,715
Loan Loss Reserve 28,707 27,497 26,160 24,595 24,770
Loans Held for Sale, before Reserves 0 0 0 0 0
Total Net Loans 3,408,378 3,217,673 3,114,659 2,943,489 2,348,945
Real Estate Owned and Held for Investment 0 0 850 850 45
Goodwill 38,411 38,411 38,411 38,411 16,159
Core Deposit Intangibles 769 1,034 1,360 1,746 179
Other Intangibles 0 0 0 0 0
Intangible Assets other than Goodwill 769 1,034 1,360 1,746 179
Total Intangible Assets 39,180 39,445 39,771 40,157 16,338
Loan Servicing Rights NA 119 132 145 0
Credit Card Rights 0 0 0 0 0
Other Loan Servicing Rights 0 0 0 0 0
Total Servicing Rights NA 119 132 145 0
Fixed Assets 65,163 25,605 25,746 26,910 23,643
Interest Receivable 14,609 12,959 10,713 9,714 8,263
Prepaid Expense NA NA NA NA NA
Bank-owned Life Insurance 153,459 154,135 150,604 148,047 132,782
Other Assets 25,443 30,433 31,408 42,672 36,258
Total Other Assets 258,674 223,132 218,471 227,343 200,946
Total Assets 5,055,302 4,408,432 3,991,417 3,850,094 3,202,584
Memo: Consolidated VIE Assets NA 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 3,408,233 3,286,512 2,836,979 2,713,587 2,052,929
FHLB Borrowings NA 403,502 464,217 453,220 487,130
Senior Debt 901,073 408,891 471,549 473,206 558,129
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 901,073 408,891 471,549 473,206 558,129
Total Other Liabilities 50,143 46,590 44,012 42,105 31,747
Total Liabilities 4,359,449 3,741,993 3,352,540 3,228,898 2,642,805
Memo: Consolidated VIE Liabilities NA 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 695,853 666,439 638,877 621,196 559,779
Equity Attributable to Parent Company 695,853 666,439 638,877 621,196 559,779
Noncontrolling Interests 0 0 0 0 0
Total Equity 695,853 666,439 638,877 621,196 559,779
Net Unrealized Gain NA (9,050) (5,181) (4,018) (2,526)
Tot Acc Other Comprehensive Inc 4,653 (9,147) (5,451) (4,332) (2,986)
Balance Sheet Analysis (%)
Gross Loans HFI/ Total Assets 67.99 73.61 78.69 77.09 74.12
Loans/ Deposits 100.85 98.74 110.71 109.38 115.63
Loan Loss Reserves/ Gross Loans 0.84 0.85 0.83 0.83 1.04
Reserves/ Loans Held For Investment 0.84 0.85 0.83 0.83 1.04
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) NA 9,205 9,920 8,128 7,194
Level 2 Assets($000) NA 808,031 513,782 498,626 541,114
Level 3 Assets($000) NA 5,697 7,333 15,328 13,625
Level 1 Liabilities($000) NA 0 0 0 0
Level 2 Liabilities($000) NA 0 0 0 0
Level 3 Liabilities($000) NA 0 0 0 0
FTE Employees(actual) NA 358 338 348 290
Annualized Growth Rates (%)
Asset Growth 14.67 10.45 3.67 20.22 6.02
Gross Loans HFI Growth 5.91 3.32 5.82 25.04 22.17
Deposit Growth 3.70 15.85 4.55 32.18 26.67
Average Balances ($000)
Avg Gross Loans HFI 3,297,859 3,176,965 3,052,410 2,781,336 2,159,121
Avg Loans HFS 0 0 0 0 81
Average Loans, Gross of Reserves 3,297,859 3,176,965 3,052,410 2,781,336 2,149,011
Avg Securities 1,022,345 718,936 529,484 608,000 688,154
Avg Other Int Earn Assets 67,289 63,898 64,868 74,892 66,017
Avg Secs & Other Int Earn Assets 1,089,634 782,834 594,352 682,892 754,171
Avg Interest Earning Assets 4,387,493 3,959,799 3,646,762 3,464,228 2,903,182
Avg Assets 4,685,365 4,201,927 3,916,923 3,732,382 3,122,748
Avg CDs 1,027,122 956,821 625,067 580,973 512,977
Avg Other Interest-bearing Deposits 1,921,564 1,681,567 1,713,863 1,619,250 1,140,508
Avg Interest-bearing Deposits 2,948,686 2,638,388 2,338,930 2,200,223 1,653,485
Avg Debt 576,284 459,180 494,361 491,802 594,926
Avg Interest-bearing Liabs 3,524,970 3,097,568 2,833,291 2,692,025 2,248,411
Avg Noninterest-bearing Deposits 384,740 405,319 385,891 372,946 262,318
Avg Total Deposits 3,333,426 3,043,707 2,724,821 2,573,169 1,915,803
Avg Preferred Equity 0 0 0 0 0
Avg Common Equity 683,186 649,883 638,707 613,603 572,083
Avg Equity 683,186 649,883 638,707 613,603 572,083
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