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 2,512,078 2,356,878 2,179,070 2,136,081 2,050,045
Total Net Loans 1,803,516 1,744,201 1,726,193 1,575,848 1,386,400
Total Deposits 2,121,514 1,971,316 1,799,293 1,834,962 1,785,209
Equity Attributable to Parent Company 293,608 285,728 162,460 148,103 139,216
Total Equity 293,608 285,728 162,460 148,103 139,216
Profitability (%)
Net Income($000) 5,363 29,540 25,866 15,001 14,036
Net Income Attributable to Parent($000) 5,363 29,540 25,866 15,001 14,036
ROAA 0.89 1.34 1.21 0.75 0.72
Core ROAA 1.02 1.39 1.38 1.24 1.19
ROAE 7.28 12.78 13.81 8.49 8.35
ROATCE 9.72 NA NA 15.59 17.06
Core ROAE 8.34 13.34 15.73 14.06 13.66
Net Interest Margin 3.34 3.65 3.84 3.74 3.64
Reported: Net Interest Margin 3.35 3.65 3.84 3.74 3.63
Efficiency Ratio 77.47 74.18 73.84 73.79 76.96
Noninterest Inc/ Operating Rev 59.07 59.98 57.71 60.36 62.55
Balance Sheet Ratios (%)
Loans/ Deposits 82.88 87.32 96.36 85.80 76.57
Securities/ Assets 14.34 13.53 12.13 13.17 13.89
Total Equity/ Total Assets 11.69 12.12 7.46 6.93 6.79
Tangible Equity/ Tangible Assets 10.09 10.38 NA 4.50 3.98
Tang Common Equity/ Tang Assets 10.09 10.38 NA 4.50 3.98
Asset Quality (%)
NPAs/ Assets 0.32 0.35 0.37 0.31 0.49
NPA Excl Restructured/ Assets 0.29 0.31 0.33 0.30 0.47
NPAs & 90+ PD/ Assets 0.32 0.37 0.37 0.31 0.50
NPAs/ Loans & REO 0.44 0.47 0.46 0.41 0.72
Nonaccrual & 90+ & OREO/ Assets 0.29 0.33 0.33 0.30 0.47
NPAs & 90+ PD/ Loans & REO 0.44 0.50 0.46 0.41 0.73
NPA & Loans 90+/ Tangible Common Equity + LLR 2.94 3.33 NA 5.98 10.72
NCOs/ Avg Loans (0.13) 0.32 0.18 0.16 0.15
Loan Loss Reserves/ Gross Loans 1.48 1.35 1.27 1.04 1.11
Reserves/ NPAs 333.82 286.72 277.52 251.12 154.47
Loan Loss Provision/ NCO NM 131.46 287 140.71 143.46
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 243,448 239,672 151,350 133,149 124,093
Tier 1 Capital($000) 251,671 247,866 159,378 141,037 131,822
Tier 2 Capital($000) 74,293 73,549 71,737 66,064 65,053
Total Capital($000) 325,964 321,415 231,115 207,101 196,875
Total Risk-weighted Assets($000) 1,969,644 1,920,449 1,795,374 1,701,159 1,602,460
Tier 1 Common Capital (CET1) Ratio(%) 12.36 12.48 8.43 7.83 7.74
Tier 1 Ratio(%) 12.78 12.90 8.87 8.29 8.23
Total Capital Ratio(%) 16.55 16.73 12.86 12.17 12.29
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.62 11.05 7.51 7.07 6.85
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 17,105,668 17,049,551 13,775,327 13,699,066 13,534,375
Avg Diluted Shares(actual) 17,405,000 15,093,000 14,063,000 14,007,000 14,000,332
Basic Book Value per Share 17.16 16.76 11.79 10.81 10.29
Book Value per Share, As Reported NA NA 14.30 13.11 12.47
Basic Tangible Book Value per Share 14.55 14.08 NA 6.84 5.85
Tangible Book Value per Share, As Reported 14.55 14.08 10.68 9.14 7.99
Common Dividends Declared per Share 0.15 0.57 0.53 0.48 0.44
EPS after Extra 0.30 1.91 1.84 1.07 1
EPS after Extra Growth(%) (34.80) 3.80 72 7 (17.40)
Core EPS 0.34 2 2.10 1.77 1.64
Core EPS Growth(%) (32.80) (4.80) 18.20 8.30 10.40
Diluted EPS before Amortization 0.36 2.18 2.17 1.47 1.50
Pre-Provision Earnings per Share 0.41 2.24 2.34 1.76 1.43
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