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 6,214,037 5,656,963 4,437,911 4,708,147 4,858,114
Total Net Loans 4,115,742 2,994,553 2,181,794 1,886,678 1,877,537
Total Deposits 5,545,199 5,052,030 3,935,714 4,260,842 4,238,304
Equity Attributable to Parent Company 533,079 484,497 406,776 324,149 298,963
Total Equity 533,079 484,497 406,776 324,149 298,963
Profitability (%)
Net Income($000) 32,659 51,559 88,677 21,673 (96,492)
Net Income Attributable to Parent($000) 32,659 51,559 88,677 21,673 (96,492)
ROAA 1.13 1.09 2.07 0.52 (2.29)
Core ROAA 1.16 1.28 0.94 0.89 (0.35)
ROAE 12.84 11.57 24.26 6.96 (31.19)
ROATCE 13 11.92 24.91 7.41 (31.47)
Core ROAE 13.25 13.51 11.04 11.88 (4.74)
Net Interest Margin 3.43 3.29 3.16 2.95 2.63
Reported: Net Interest Margin 3.43 3.32 3.19 3.04 2.74
Efficiency Ratio 61.99 63.97 70.02 75.87 100.16
Noninterest Inc/ Operating Rev 28.43 42.43 43.34 45.82 46.07
Balance Sheet Ratios (%)
Loans/ Deposits 41.89 36.11 38.16 32.63 28.80
Securities/ Assets 21.88 25.62 31.12 30.93 30.27
Total Equity/ Total Assets 8.58 8.56 9.17 6.88 6.15
Tangible Equity/ Tangible Assets 8.54 8.53 9.09 6.78 6.02
Tang Common Equity/ Tang Assets 8.54 8.53 9.09 6.78 6.02
Asset Quality (%)
NPAs/ Assets NA NA NA NA NA
NPA Excl Restructured/ Assets 0.16 0.10 0.10 0.09 0.06
NPAs & 90+ PD/ Assets NA NA NA NA NA
NPAs/ Loans & REO NA NA NA NA NA
Nonaccrual & 90+ & OREO/ Assets 0.17 0.16 0.12 0.10 0.08
NPAs & 90+ PD/ Loans & REO NA NA NA NA NA
NPA & Loans 90+/ Tangible Common Equity + LLR NA NA NA NA NA
NCOs/ Avg Loans 0.14 0.12 0.10 0.12 0.09
Loan Loss Reserves/ Gross Loans 0.35 0.34 0.40 0.37 0.34
Reserves/ NPAs NA NA NA NA NA
Loan Loss Provision/ NCO 183.27 156.31 176.78 135.44 235.29
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 509,586 476,134 416,029 324,404 290,605
Tier 1 Capital($000) 509,586 476,134 416,029 324,404 290,605
Tier 2 Capital($000) 14,624 10,238 8,653 7,096 6,332
Total Capital($000) 524,210 486,372 424,682 331,500 296,937
Total Risk-weighted Assets($000) 3,432,714 2,500,923 2,015,471 1,939,240 2,178,448
Tier 1 Common Capital (CET1) Ratio(%) 14.84 19.04 20.64 16.73 13.34
Tier 1 Ratio(%) 14.84 19.04 20.64 16.73 13.34
Total Capital Ratio(%) 15.27 19.45 21.07 17.09 13.63
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.48 9.63 10.11 7.90 6.90
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 57,455,308 56,840,521 56,346,088 55,761,150 55,319,204
Avg Diluted Shares(actual) 57,856,791 57,338,985 57,068,306 56,176,269 44,567,357
Basic Book Value per Share 9.28 8.52 7.22 5.81 5.40
Book Value per Share, As Reported 9.28 8.52 7.22 5.81 5.40
Basic Tangible Book Value per Share 9.23 8.48 7.15 5.72 5.28
Tangible Book Value per Share, As Reported NA NA NA NA NA
Common Dividends Declared per Share 0 0 0 0 0
EPS after Extra 0.57 0.90 1.55 0.39 (2.17)
EPS after Extra Growth(%) 11.80 (41.90) 297.40 NM NM
Core EPS 0.59 1.05 0.71 0.67 (0.33)
Core EPS Growth(%) 15.20 49 6 NM NM
Diluted EPS before Amortization 0.58 0.93 1.58 0.42 (2.14)
Pre-Provision Earnings per Share 0.68 1.20 0.86 0.53 (0.04)
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