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Financial Highlights

Financial Highlights
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Latest On:
Period Ended
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 3,732,554 3,577,260 3,096,535 2,932,433 2,300,879
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Total Net Loans 2,585,151 2,562,485 2,154,667 2,079,938 1,564,000
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Total Deposits 3,023,466 2,954,453 2,614,138 2,471,064 1,969,986
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Equity Attributable to Parent Company 510,971 516,262 386,609 364,178 275,947
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Total Equity 511,740 516,990 387,352 364,879 276,365
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Profitability (%)
Net Income($000) 10,673 54,988 41,353 33,433 18,694
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Net Income Attributable to Parent($000) 10,555 54,641 41,036 33,150 18,462
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ROAA 1.20 1.76 1.39 1.26 0.97
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Core ROAA 1.28 1.76 1.47 1.35 1.19
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ROAE 8.30 12.99 11.10 10.13 8.61
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ROATCE 13.03 19.70 18.14 16.49 12.55
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Core ROAE 8.83 12.98 11.76 10.75 10.19
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Net Interest Margin 3.98 4.19 4.04 4.30 4.06
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Reported: Net Interest Margin 3.94 4.19 4.04 4.30 4.01
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Efficiency Ratio 55.65 54.46 58.35 57.12 59.75
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Noninterest Inc/ Operating Rev 23.47 28.29 26.53 24.47 27.95
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Balance Sheet Ratios (%)
Loans/ Deposits 86.24 87.11 82.86 84.49 79.64
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Securities/ Assets 14.50 13.26 13.54 14.36 16.68
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Total Equity/ Total Assets 13.71 14.45 12.51 12.44 12.01
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Tangible Equity/ Tangible Assets 9.72 10.29 8.85 8.43 8.51
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Tang Common Equity/ Tang Assets 9.70 10.27 8.83 8.41 8.50
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Asset Quality (%)
NPAs/ Assets 0.42 0.44 0.19 0.49 0.97
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NPA Excl Restructured/ Assets 0.42 0.42 0.19 0.49 0.97
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NPAs & 90+ PD/ Assets 0.42 0.44 0.19 0.49 0.97
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NPAs/ Loans & REO 0.60 0.60 0.27 0.69 1.42
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Nonaccrual & 90+ & OREO/ Assets 0.42 0.42 0.19 0.49 0.97
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NPAs & 90+ PD/ Loans & REO 0.60 0.60 0.27 0.69 1.42
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NPA & Loans 90+/ Tangible Common Equity + LLR 4.24 4.28 2.14 5.79 11.18
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NCOs/ Avg Loans 0.01 0.02 0.05 0.08 0.02
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Loan Loss Reserves/ Gross Loans 1 0.54 0.61 0.60 0.75
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Reserves/ NPAs 166.16 89.71 223.27 87.94 52.90
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Loan Loss Provision/ NCO NM 314.96 145.45 155.83 627.18
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Capital Adequacy
Tier 1 Common Capital (CET1)($000) 348,106 348,454 271,435 245,214 202,313
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Tier 1 Capital($000) 378,421 378,608 301,125 274,469 226,018
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Tier 2 Capital($000) 27,179 25,965 25,110 24,574 23,705
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Total Capital($000) 405,600 404,573 326,235 299,043 249,723
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Total Risk-weighted Assets($000) 3,059,554 3,016,661 2,535,446 2,330,938 1,802,441
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Tier 1 Common Capital (CET1) Ratio(%) 11.38 11.55 10.71 10.52 11.22
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Tier 1 Ratio(%) 12.37 12.55 11.88 11.78 12.54
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Total Capital Ratio(%) 13.26 13.41 12.87 12.83 13.85
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Liquidity Coverage Ratio(%) NA NA NA NA NA
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Leverage Ratio(%) 11.15 11.92 10.43 10.04 10.32
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Basel III Leverage Ratio(%) NA NA NA NA NA
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Per Share Information ($)
Common Shares Outstanding(actual) 10,428,896 10,610,259 9,524,777 9,849,167 8,596,241
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Avg Diluted Shares(actual) 10,800,636 9,900,319 9,956,353 9,958,160 7,513,971
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Basic Book Value per Share 49 48.66 40.59 36.98 32.10
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Book Value per Share, As Reported 49.09 48.76 40.72 37.09 32.26
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Basic Tangible Book Value per Share 33.18 33.01 27.54 23.94 21.87
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Tangible Book Value per Share, As Reported 33.24 33.08 27.62 24.01 21.98
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EPS after Extra 0.98 5.52 4.12 3.33 2.37
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EPS after Extra Growth(%) (6.70) 34 23.70 40.50 (7.80)
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Core EPS 1.04 5.53 4.36 3.57 2.95
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Core EPS Growth(%) (7.40) 26.80 22.20 20.80 9.20
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Diluted EPS before Amortization 1.07 5.99 4.56 3.80 2.83
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Pre-Provision Earnings per Share 1.24 5.43 4.36 3.24 2.78
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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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