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Financial Highlights

Financial Highlights
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Latest On:
Period Ended
2019 FQ3 YTD
9/30/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
Balance Sheet ($000)
Total Assets 3,105,671 3,096,535 2,932,433 2,300,879 1,214,439
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Total Net Loans 2,239,875 2,154,667 2,079,938 1,564,000 871,434
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Total Deposits 2,584,447 2,614,138 2,471,064 1,969,986 1,056,417
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Equity Attributable to Parent Company 428,014 386,609 364,178 275,947 109,501
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Total Equity 428,742 387,352 364,879 276,365 109,687
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Profitability (%)
Net Income($000) 42,606 41,353 33,433 18,694 11,555
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Net Income Attributable to Parent($000) 42,346 41,036 33,150 18,462 11,428
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ROAA 1.86 1.39 1.26 0.97 0.97
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Core ROAA 1.79 1.47 1.35 1.19 1.02
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ROAE 13.97 11.10 10.13 8.61 10.32
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ROATCE 21.06 18.14 16.49 12.55 13.74
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Core ROAE 13.50 11.76 10.75 10.19 10.96
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Net Interest Margin 4.21 4.04 4.30 4.06 3.92
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Reported: Net Interest Margin 4.17 4.04 4.30 4.01 3.88
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Efficiency Ratio 55.14 58.35 57.12 59.75 62.93
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Noninterest Inc/ Operating Rev 27.66 26.53 24.47 27.95 27.77
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Balance Sheet Ratios (%)
Loans/ Deposits 86.79 82.86 84.49 79.64 83.02
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Securities/ Assets 14.21 13.54 14.36 16.68 14.92
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Total Equity/ Total Assets 13.81 12.51 12.44 12.01 9.03
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Tangible Equity/ Tangible Assets 10.30 8.85 8.43 8.51 8.75
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Tang Common Equity/ Tang Assets 10.28 8.83 8.41 8.50 7.72
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Asset Quality (%)
NPAs/ Assets 0.35 0.19 0.49 0.97 0.32
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NPA Excl Restructured/ Assets 0.34 0.19 0.49 0.97 0.32
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NPAs & 90+ PD/ Assets 0.35 0.19 0.49 0.97 0.32
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NPAs/ Loans & REO 0.49 0.27 0.69 1.42 0.44
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Nonaccrual & 90+ & OREO/ Assets 0.34 0.19 0.49 0.97 0.32
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NPAs & 90+ PD/ Loans & REO 0.49 0.27 0.69 1.42 0.44
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NPA & Loans 90+/ Tangible Common Equity + LLR 3.44 2.14 5.79 11.18 3.76
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NCOs/ Avg Loans 0.03 0.05 0.08 0.02 0.09
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Loan Loss Reserves/ Gross Loans 0.60 0.61 0.60 0.75 1.17
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Reserves/ NPAs 123.57 223.27 87.94 52.90 264.28
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Loan Loss Provision/ NCO 207.85 145.45 155.83 627.18 230.47
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Capital Adequacy
Tier 1 Common Capital (CET1)($000) 305,058 271,435 245,214 202,313 94,346
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Tier 1 Capital($000) 335,093 301,125 274,469 226,018 118,535
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Tier 2 Capital($000) 25,604 25,110 24,574 23,705 22,156
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Total Capital($000) 360,697 326,235 299,043 249,723 140,691
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Total Risk-weighted Assets($000) 2,668,978 2,535,446 2,330,938 1,802,441 948,814
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Tier 1 Common Capital (CET1) Ratio(%) 11.43 10.71 10.52 11.22 9.94
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Tier 1 Ratio(%) 12.56 11.88 11.78 12.54 12.49
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Total Capital Ratio(%) 13.51 12.87 12.83 13.85 14.83
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Liquidity Coverage Ratio(%) NA NA NA NA NA
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Leverage Ratio(%) 11.26 10.43 10.04 10.32 9.95
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Basel III Leverage Ratio(%) NA NA NA NA NA
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Per Share Information ($)
Common Shares Outstanding(actual) 9,387,096 9,524,777 9,849,167 8,596,241 4,191,067
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Avg Diluted Shares(actual) 9,706,795 9,956,353 9,958,160 7,513,971 4,362,213
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Basic Book Value per Share 45.60 40.59 36.98 32.10 23.22
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Book Value per Share, As Reported 45.71 40.72 37.09 32.26 23.42
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Basic Tangible Book Value per Share 32.67 27.54 23.94 21.87 22.31
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Tangible Book Value per Share, As Reported 32.75 27.62 24.01 21.98 22.51
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EPS after Extra 4.36 4.12 3.33 2.37 2.57
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EPS after Extra Growth(%) 44.40 23.70 40.50 (7.80) 14.20
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Core EPS 4.20 4.36 3.57 2.95 2.70
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Core EPS Growth(%) 32.70 22.20 20.80 9.20 14.60
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Diluted EPS before Amortization 4.66 4.56 3.80 2.83 2.81
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Pre-Provision Earnings per Share 4.02 4.36 3.24 2.78 2.83
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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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