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Financial Highlights Report

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
Balance Sheet ($000)
Total Assets 6,748,913 6,123,494 6,498,097 5,563,767 5,161,996
Total Net Loans 3,543,790 3,286,381 3,275,576 2,546,267 2,415,828
Total Deposits 4,702,769 4,425,030 4,515,447 3,533,076 3,455,407
Equity Attributable to Parent Company 804,580 731,291 754,140 518,274 444,062
Total Equity 804,580 731,291 754,140 518,274 444,062
Profitability (%)
Net Income($000) 74,554 74,138 54,312 49,349 43,997
Net Income Attributable to Parent($000) 74,554 74,138 54,312 49,349 43,997
ROAA 1.17 1.19 0.96 0.94 0.90
Core ROAA NA 1.30 1.07 0.93 0.94
ROAE 9.53 9.87 9.65 10.54 10.04
ROATCE 13.79 14.77 12.31 13.63 13.39
Core ROAE NA 10.81 10.75 10.41 10.44
Net Interest Margin 3.06 3.18 3.07 3.26 3.40
Reported: Net Interest Margin 3.06 3.18 3.07 3.26 3.40
Efficiency Ratio 52.26 49.88 50.36 55.42 57.41
Noninterest Inc/ Operating Rev 19.97 19.66 20.38 20.76 20.27
Balance Sheet Ratios (%)
Loans/ Deposits 75.87 74.87 72.96 72.36 70.38
Securities/ Assets NA 35.88 38.62 44.64 44.58
Total Equity/ Total Assets 11.92 11.94 11.61 9.32 8.60
Tangible Equity/ Tangible Assets 9.03 8.68 8.45 7.72 6.83
Tang Common Equity/ Tang Assets 9.03 8.68 8.45 7.72 6.83
Asset Quality (%)
NPAs/ Assets 0.26 0.70 0.16 0.27 0.63
NPA Excl Restructured/ Assets 0.08 0.60 0.07 0.16 0.41
NPAs & 90+ PD/ Assets 0.26 0.70 0.16 0.27 0.63
NPAs/ Loans & REO 0.49 1.29 0.32 0.59 1.33
Nonaccrual & 90+ & OREO/ Assets 0.08 0.60 0.07 0.16 0.41
NPAs & 90+ PD/ Loans & REO 0.49 1.29 0.32 0.59 1.33
NPA & Loans 90+/ Tangible Common Equity + LLR 2.84 7.95 1.90 3.43 8.88
NCOs/ Avg Loans 0.21 0.07 0.07 0.47 0.09
Loan Loss Reserves/ Gross Loans 0.69 0.82 0.63 0.70 0.81
Reserves/ NPAs 142.11 62.97 198.46 118.62 60.77
Loan Loss Provision/ NCO 69.66 383.67 259 84.27 439.34
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 568,283 570,610 461,158 368,865
Tier 1 Capital($000) NA 626,718 627,532 515,831 422,513
Tier 2 Capital($000) NA 127,316 121,000 117,458 20,593
Total Capital($000) NA 754,034 748,532 633,289 443,106
Total Risk-weighted Assets($000) NA 3,848,311 3,893,691 3,150,210 2,901,083
Tier 1 Common Capital (CET1) Ratio(%) 14.07 14.77 14.65 14.64 12.71
Tier 1 Ratio(%) 15.46 16.29 16.12 16.37 14.56
Total Capital Ratio(%) 18.43 19.59 19.22 20.10 15.27
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.18 10.64 11.16 9.46 8.61
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 33,823,000 33,724,749 35,000,333 29,261,000 27,336,750
Avg Diluted Shares(actual) 33,895,000 35,116,000 30,047,000 27,247,000 27,382,000
Basic Book Value per Share 23.79 21.68 21.55 17.71 16.24
Book Value per Share, As Reported 23.79 21.68 21.55 17.71 16.25
Basic Tangible Book Value per Share 17.45 15.19 15.14 14.43 12.66
Tangible Book Value per Share, As Reported 17.45 15.19 15.14 14.43 12.65
Common Dividends Declared per Share 1.26 1.20 1.10 0.96 0.92
EPS after Extra 2.20 2.11 1.81 1.81 1.61
EPS after Extra Growth(%) 4.30 16.60 (0.30) 12.90 65.70
Core EPS NA 2.31 2.02 1.79 1.67
Core EPS Growth(%) NA 14.60 12.50 7.20 15
Diluted EPS before Amortization 2.33 2.26 1.88 1.89 1.69
Pre-Provision Earnings per Share 2.17 2.19 1.71 1.59 1.43
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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