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Financial Highlights

Financial Highlights

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 5,441,092 4,946,745 4,875,254 4,682,976 4,290,025
Total Net Loans 4,448,153 4,019,703 3,868,585 3,774,684 3,433,124
Total Deposits 4,643,427 4,133,819 4,044,065 4,008,655 3,577,912
Equity Attributable to Parent Company 620,803 598,011 521,615 468,578 426,978
Total Equity 620,892 598,100 521,704 468,667 427,067
Profitability (%)
Net Income($000) 36,969 87,047 80,411 57,330 52,084
Net Income Attributable to Parent($000) 36,969 87,034 80,398 57,317 52,071
ROAA 1.42 1.76 1.69 1.29 1.29
Core ROAA 1.40 1.75 1.68 1.38 1.29
ROAE 12.15 15.47 16.51 12.72 12.52
ROATCE 12.26 15.59 16.63 12.90 12.68
Core ROAE 12 15.32 16.36 13.67 12.55
Net Interest Margin 3.20 3.38 3.43 3.32 3.18
Reported: Net Interest Margin 3.22 3.38 3.43 3.33 3.18
Efficiency Ratio 42.79 44.45 44.62 45.30 47.46
Noninterest Inc/ Operating Rev 21.39 22.11 20.97 20.95 21.80
Balance Sheet Ratios (%)
Loans/ Deposits 96.71 98.36 96.80 95.26 97.01
Securities/ Assets 11.89 12.78 12.50 11.92 12.16
Total Equity/ Total Assets 11.41 12.09 10.70 10.01 9.95
Tangible Equity/ Tangible Assets 11.33 12 10.61 9.91 9.85
Tang Common Equity/ Tang Assets 11.33 12 10.61 9.91 9.85
Asset Quality (%)
NPAs/ Assets 0.38 0.50 0.32 0.26 0.40
NPA Excl Restructured/ Assets 0.28 0.38 0.16 0.20 0.16
NPAs & 90+ PD/ Assets 0.38 0.50 0.32 0.26 0.40
NPAs/ Loans & REO 0.46 0.61 0.40 0.32 0.49
Nonaccrual & 90+ & OREO/ Assets 0.28 0.38 0.16 0.20 0.16
NPAs & 90+ PD/ Loans & REO 0.46 0.61 0.40 0.32 0.49
NPA & Loans 90+/ Tangible Common Equity + LLR 3.09 3.88 2.76 2.43 3.69
NCOs/ Avg Loans 0.18 0.03 0.13 (0.01) 0.03
Loan Loss Reserves/ Gross Loans 1.31 1.24 1.24 1.23 1.26
Reserves/ NPAs 282.83 203.42 310.66 380.31 254.95
Loan Loss Provision/ NCO 324.14 312.26 126.28 NM 110.36
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 580,982 522,836 464,265 424,382
Tier 1 Capital($000) NA 580,982 552,836 494,265 454,382
Tier 2 Capital($000) NA 50,741 48,543 47,210 43,807
Total Capital($000) NA 631,723 601,379 541,475 498,189
Total Risk-weighted Assets($000) NA 4,398,681 4,233,620 4,084,781 3,765,535
Tier 1 Common Capital (CET1) Ratio(%) 13.68 13.21 12.35 11.37 11.27
Tier 1 Ratio(%) 13.68 13.21 13.06 12.10 12.07
Total Capital Ratio(%) 14.93 14.36 14.20 13.26 13.23
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.84 11.67 11.44 10.76 10.86
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 25,233,280 25,444,275 25,128,773 25,025,933 24,937,865
Avg Diluted Shares(actual) 25,594,959 25,758,893 25,727,831 25,663,381 25,460,727
Basic Book Value per Share 24.60 23.50 20.76 18.72 17.12
Book Value per Share, As Reported 24.43 23.34 20.62 18.60 17.01
Basic Tangible Book Value per Share 24.41 23.31 20.56 18.53 16.92
Tangible Book Value per Share, As Reported 24.28 23.19 20.47 18.45 16.89
Common Dividends Declared per Share 0.60 1.16 1 0.85 0.73
EPS after Extra 1.44 3.38 3.13 2.23 2.05
EPS after Extra Growth(%) (14.80) 8 40.40 8.80 11.40
Core EPS 1.42 3.35 3.11 2.39 2.05
Core EPS Growth(%) (14.40) 7.70 30.10 16.40 11.70
Diluted EPS before Amortization 1.44 3.38 3.13 2.23 2.05
Pre-Provision Earnings per Share 1.74 3.36 3.23 2.34 2.01
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.
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