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Financial Highlights

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
Balance Sheet ($000)
Total Assets 4,763,909 4,653,573 3,291,480 3,212,271 3,079,575
Total Net Loans 3,384,058 3,427,587 2,370,138 2,259,492 2,147,534
Total Deposits 3,859,844 3,728,655 2,612,929 2,605,319 2,480,448
Equity Attributable to Parent Company 500,564 508,982 357,067 340,304 305,456
Total Equity 500,564 508,982 357,067 340,304 305,456
Profitability (%)
Net Income($000) (1,975) 43,630 30,351 18,699 20,391
Net Income Attributable to Parent($000) (1,975) 43,630 30,351 18,699 20,391
ROAA (0.17) 1.04 0.93 0.60 0.68
Core ROAA (0.03) 1.30 1.02 0.77 0.83
ROAE (1.53) 9.65 8.78 5.58 6.69
ROATCE (0.38) 14.02 11.91 8.07 10.30
Core ROAE (0.25) 12.06 9.60 7.10 8.12
Net Interest Margin 3.58 3.82 3.60 3.81 3.80
Reported: Net Interest Margin 3.60 3.82 3.60 3.81 3.80
Efficiency Ratio 57.49 57.86 60.84 58.62 63.03
Noninterest Inc/ Operating Rev 21.53 17.39 17.86 17.84 17.72
Balance Sheet Ratios (%)
Loans/ Deposits 88.75 92.56 91.80 87.77 87.29
Securities/ Assets 18.86 17.28 19.06 20.38 21.39
Total Equity/ Total Assets 10.51 10.94 10.85 10.59 9.92
Tangible Equity/ Tangible Assets 8.11 8.50 8.78 8.41 7.52
Tang Common Equity/ Tang Assets 8.11 8.50 8.78 8.41 7.52
Asset Quality (%)
NPAs/ Assets 1.03 1.06 0.78 0.83 0.98
NPA Excl Restructured/ Assets 0.94 0.97 0.62 0.52 0.74
NPAs & 90+ PD/ Assets 1.04 1.07 0.79 0.83 0.99
NPAs/ Loans & REO 1.43 1.43 1.07 1.16 1.44
Nonaccrual & 90+ & OREO/ Assets 0.95 0.97 0.63 0.53 0.75
NPAs & 90+ PD/ Loans & REO 1.44 1.44 1.09 1.17 1.46
NPA & Loans 90+/ Tangible Common Equity + LLR 11.60 12.01 8.37 9.19 12.38
NCOs/ Avg Loans 0.14 0.23 0.26 0.51 0.27
Loan Loss Reserves/ Gross Loans 1.49 0.84 1.22 1.23 1.01
Reserves/ NPAs 103.83 58.68 113.84 105.45 72.49
Loan Loss Provision/ NCO NM 96.91 120.62 155.81 143.58
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 385,428 386,434 288,859 269,566 234,638
Tier 1 Capital($000) 427,059 428,021 312,747 293,359 258,330
Tier 2 Capital($000) 51,144 35,580 29,307 28,100 22,092
Total Capital($000) 478,203 463,601 342,054 321,459 280,422
Total Risk-weighted Assets($000) 4,164,710 4,086,444 2,797,804 2,677,721 2,407,661
Tier 1 Common Capital (CET1) Ratio(%) 9.25 9.46 10.32 10.07 9.75
Tier 1 Ratio(%) 10.25 10.47 11.18 10.96 10.73
Total Capital Ratio(%) 11.48 11.34 12.23 12 11.65
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.39 9.48 9.73 9.48 8.75
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 16,089,782 16,162,176 12,180,015 12,219,611 11,436,360
Avg Diluted Shares(actual) 16,141,500 14,884,933 12,237,153 12,062,577 11,456,324
Basic Book Value per Share 31.11 31.49 29.32 27.85 26.71
Book Value per Share, As Reported 31.11 31.49 29.32 27.85 26.71
Basic Tangible Book Value per Share 23.39 23.81 23.20 21.57 19.73
Tangible Book Value per Share, As Reported 23.39 23.81 23.20 21.57 19.73
Common Dividends Declared per Share 0.22 0.81 0.78 0.67 0.64
EPS after Extra (0.12) 2.93 2.48 1.55 1.78
EPS after Extra Growth(%) NM 18.10 60 (12.90) (26.40)
Core EPS (0.02) 3.66 2.71 1.97 2.16
Core EPS Growth(%) NM 35 37.50 (8.70) (21.20)
Diluted EPS before Amortization 0 3.33 2.67 1.81 2.13
Pre-Provision Earnings per Share 0.85 3.46 3.01 2.49 2.15
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.