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Financial Highlights

Financial Highlights
Custom Periods
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  • Last Four Years & YTD
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Latest On:
Period Ended
2019 FY
12/31/2019
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 3,577,260 3,096,535 2,932,433 2,300,879 1,214,439
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Total Net Loans NA 2,154,667 2,079,938 1,564,000 871,434
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Total Deposits 2,954,453 2,614,138 2,471,064 1,969,986 1,056,417
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Equity Attributable to Parent Company 516,262 386,609 364,178 275,947 109,501
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Total Equity NA 387,352 364,879 276,365 109,687
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Profitability (%)
Net Income($000) 54,988 41,353 33,433 18,694 11,555
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Net Income Attributable to Parent($000) 54,641 41,036 33,150 18,462 11,428
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ROAA 1.76 1.39 1.26 0.97 0.97
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Core ROAA NA 1.47 1.35 1.19 1.02
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ROAE NA 11.10 10.13 8.61 10.32
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ROATCE 19.71 18.14 16.49 12.55 13.74
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Core ROAE NA 11.76 10.75 10.19 10.96
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Net Interest Margin 4.19 4.04 4.30 4.06 3.92
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Reported: Net Interest Margin 4.19 4.04 4.30 4.01 3.88
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Efficiency Ratio 54.34 58.35 57.12 59.75 62.93
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Noninterest Inc/ Operating Rev 28.41 26.53 24.47 27.95 27.77
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Balance Sheet Ratios (%)
Loans/ Deposits 87.11 82.86 84.49 79.64 83.02
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Securities/ Assets NA 13.54 14.36 16.68 14.92
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Total Equity/ Total Assets NA 12.51 12.44 12.01 9.03
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Tangible Equity/ Tangible Assets NA 8.85 8.43 8.51 8.75
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Tang Common Equity/ Tang Assets 10.27 8.83 8.41 8.50 7.72
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Asset Quality (%)
NPAs/ Assets NA 0.19 0.49 0.97 0.32
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NPA Excl Restructured/ Assets NA 0.19 0.49 0.97 0.32
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NPAs & 90+ PD/ Assets NA 0.19 0.49 0.97 0.32
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NPAs/ Loans & REO NA 0.27 0.69 1.42 0.44
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Nonaccrual & 90+ & OREO/ Assets NA 0.19 0.49 0.97 0.32
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NPAs & 90+ PD/ Loans & REO NA 0.27 0.69 1.42 0.44
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NPA & Loans 90+/ Tangible Common Equity + LLR NA 2.14 5.79 11.18 3.76
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NCOs/ Avg Loans 0.02 0.05 0.08 0.02 0.09
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Loan Loss Reserves/ Gross Loans NA 0.61 0.60 0.75 1.17
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Reserves/ NPAs NA 223.27 87.94 52.90 264.28
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Loan Loss Provision/ NCO 300 145.45 155.83 627.18 230.47
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Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 271,435 245,214 202,313 94,346
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Tier 1 Capital($000) NA 301,125 274,469 226,018 118,535
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Tier 2 Capital($000) NA 25,110 24,574 23,705 22,156
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Total Capital($000) NA 326,235 299,043 249,723 140,691
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Total Risk-weighted Assets($000) NA 2,535,446 2,330,938 1,802,441 948,814
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Tier 1 Common Capital (CET1) Ratio(%) NA 10.71 10.52 11.22 9.94
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Tier 1 Ratio(%) NA 11.88 11.78 12.54 12.49
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Total Capital Ratio(%) NA 12.87 12.83 13.85 14.83
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Liquidity Coverage Ratio(%) NA NA NA NA NA
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Leverage Ratio(%) NA 10.43 10.04 10.32 9.95
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Basel III Leverage Ratio(%) NA NA NA NA NA
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Per Share Information ($)
Common Shares Outstanding(actual) 10,588,000 9,524,777 9,849,167 8,596,241 4,191,067
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Avg Diluted Shares(actual) 9,900,000 9,956,353 9,958,160 7,513,971 4,362,213
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Basic Book Value per Share 48.76 40.59 36.98 32.10 23.22
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Book Value per Share, As Reported 48.76 40.72 37.09 32.26 23.42
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Basic Tangible Book Value per Share 33.08 27.54 23.94 21.87 22.31
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Tangible Book Value per Share, As Reported 33.08 27.62 24.01 21.98 22.51
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EPS after Extra 5.52 4.12 3.33 2.37 2.57
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EPS after Extra Growth(%) 34 23.70 40.50 (7.80) 14.20
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Core EPS NA 4.36 3.57 2.95 2.70
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Core EPS Growth(%) NA 22.20 20.80 9.20 14.60
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Diluted EPS before Amortization 5.99 4.56 3.80 2.83 2.81
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Pre-Provision Earnings per Share 5.46 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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