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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 7,488,516 6,711,236 5,806,093 5,405,639 5,093,131
Total Net Loans 5,701,109 5,099,563 4,420,158 4,117,721 3,841,095
Total Deposits 6,125,502 5,293,779 4,620,670 4,368,748 4,092,835
Equity Attributable to Parent Company 745,489 725,263 623,739 583,122 550,044
Total Equity 745,489 725,263 623,739 583,122 550,044
Profitability (%)
Net Income($000) 24,243 70,672 63,401 52,580 41,518
Net Income Attributable to Parent($000) 24,243 70,672 63,401 52,580 41,518
ROAA 0.71 1.12 1.15 1 0.90
Core ROAA 0.72 1.17 1.17 1.01 0.95
ROAE 6.56 10.14 10.59 9.25 8.75
ROATCE 8.44 13.16 13.76 12.22 12.09
Core ROAE 6.69 10.58 10.83 9.35 9.24
Net Interest Margin 3.15 3.33 3.36 3.38 3.41
Reported: Net Interest Margin 3.16 3.33 3.36 3.38 3.41
Efficiency Ratio 55.55 54.95 55.88 53.68 57.03
Noninterest Inc/ Operating Rev 11.93 11.83 11.72 11.71 12.12
Balance Sheet Ratios (%)
Loans/ Deposits 93.97 97.05 96.45 95.06 94.57
Securities/ Assets 12.79 13.71 14.17 14.79 15.13
Total Equity/ Total Assets 9.96 10.81 10.74 10.79 10.80
Tangible Equity/ Tangible Assets 7.99 8.62 8.57 8.44 8.30
Tang Common Equity/ Tang Assets 7.99 8.62 8.57 8.44 8.30
Asset Quality (%)
NPAs/ Assets 0.51 0.41 0.38 0.48 0.59
NPA Excl Restructured/ Assets 0.44 0.32 0.22 0.27 0.42
NPAs & 90+ PD/ Assets 0.51 0.41 0.38 0.48 0.59
NPAs/ Loans & REO 0.66 0.53 0.50 0.62 0.78
Nonaccrual & 90+ & OREO/ Assets 0.44 0.32 0.22 0.27 0.42
NPAs & 90+ PD/ Loans & REO 0.66 0.53 0.50 0.63 0.78
NPA & Loans 90+/ Tangible Common Equity + LLR 5.90 4.52 4.25 5.45 6.85
NCOs/ Avg Loans 0.01 0 0.05 0.05 0.11
Loan Loss Reserves/ Gross Loans 1 0.78 0.85 0.85 0.81
Reserves/ NPAs 152.71 146.26 169.36 136.58 103.19
Loan Loss Provision/ NCO NM NM 202.43 323.94 109.63
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 563,539 493,577 447,453 412,124
Tier 1 Capital($000) NA 593,539 523,577 477,453 442,124
Tier 2 Capital($000) NA 128,202 113,800 111,594 107,267
Total Capital($000) NA 721,741 637,377 589,047 549,391
Total Risk-weighted Assets($000) NA 5,385,754 4,647,616 4,394,345 4,074,564
Tier 1 Common Capital (CET1) Ratio(%) 9.93 10.46 10.62 10.18 10.11
Tier 1 Ratio(%) 10.45 11.02 11.27 10.87 10.85
Total Capital Ratio(%) 12.98 13.40 13.71 13.40 13.48
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.69 9.41 9.39 9.12 9.07
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 50,463,161 50,498,410 47,486,250 47,353,864 47,222,914
Avg Diluted Shares(actual) 50,661,000 50,642,000 47,766,000 47,674,000 43,114,000
Basic Book Value per Share 14.77 14.36 13.14 12.31 11.65
Book Value per Share, As Reported 14.77 14.36 13.14 12.31 11.65
Basic Tangible Book Value per Share 11.60 11.18 10.22 9.38 8.70
Tangible Book Value per Share, As Reported 11.60 11.18 10.22 9.38 8.70
Common Dividends Declared per Share 0.25 0.49 0.45 0.40 0.37
EPS after Extra 0.47 1.38 1.32 1.09 0.95
EPS after Extra Growth(%) (27.70) 4.50 21.10 14.70 11.80
Core EPS 0.48 1.44 1.35 1.10 1
Core EPS Growth(%) (31.70) 6.70 22.40 9.80 14.70
Diluted EPS before Amortization 0.48 1.40 1.33 1.10 0.97
Pre-Provision Earnings per Share 0.77 1.52 1.41 1.15 1.04
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.