Financial Highlights

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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 2,217,573 1,996,347 1,915,381 1,806,401 1,790,619
Total Net Loans 1,799,458 1,595,767 1,507,515 1,427,633 1,387,103
Total Deposits 1,157,666 1,067,776 1,038,495 967,380 949,411
Equity Attributable to Parent Company 385,619 393,686 399,679 412,104 410,690
Total Equity 385,619 393,686 399,679 412,104 410,690
Profitability (%)
Net Income($000) 27,017 35,903 30,754 25,964 25,532
Net Income Attributable to Parent($000) 27,017 35,903 30,754 25,964 25,532
ROAA 2.58 1.82 1.64 1.43 1.45
Core ROAA 2.58 1.82 1.64 1.58 1.45
ROAE 13.95 9.14 7.60 6.32 6.33
ROATCE 13.97 9.16 7.61 6.33 6.34
Core ROAE 13.95 9.14 7.60 6.98 6.33
Net Interest Margin 2.65 2.85 3.11 3.04 2.69
Reported: Net Interest Margin 2.67 2.83 3.09 3 2.64
Efficiency Ratio 66.66 74.45 77.11 74.74 74.45
Noninterest Inc/ Operating Rev 79.24 71.47 68.57 71.05 74.42
Balance Sheet Ratios (%)
Loans/ Deposits 123.85 129.99 132.80 133.54 124.06
Securities/ Assets 8.61 10 10.71 11.99 13.41
Total Equity/ Total Assets 17.39 19.72 20.87 22.81 22.94
Tangible Equity/ Tangible Assets 17.36 19.69 20.84 22.79 22.91
Tang Common Equity/ Tang Assets 17.36 19.69 20.84 22.79 22.91
Asset Quality (%)
NPAs/ Assets 0.42 0.54 0.74 0.76 1.24
NPA Excl Restructured/ Assets 0.28 0.39 0.45 0.59 0.89
NPAs & 90+ PD/ Assets 0.42 0.54 0.74 0.76 1.24
NPAs/ Loans & REO 0.51 0.67 0.93 0.95 1.57
Nonaccrual & 90+ & OREO/ Assets 0.28 0.39 0.45 0.59 0.89
NPAs & 90+ PD/ Loans & REO 0.51 0.67 0.93 0.95 1.57
NPA & Loans 90+/ Tangible Common Equity + LLR 2.30 2.66 3.45 3.22 5.19
NCOs/ Avg Loans (0.01) 0 (0.02) 0.06 0.04
Loan Loss Reserves/ Gross Loans 0.98 0.77 0.87 0.98 1.14
Reserves/ NPAs 191.70 114.79 93.26 102.73 72.43
Loan Loss Provision/ NCO NM NM NM (148.35) 70.90
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 384,956 392,361 401,317 411,980 410,467
Tier 1 Capital($000) 384,956 392,361 401,317 411,980 410,467
Tier 2 Capital($000) 17,734 12,387 13,249 14,077 16,029
Total Capital($000) 402,690 404,748 414,566 426,057 426,496
Total Risk-weighted Assets($000) 1,695,898 1,546,643 1,468,825 1,385,359 1,323,370
Tier 1 Common Capital (CET1) Ratio(%) 22.60 25.37 27.32 29.74 31.02
Tier 1 Ratio(%) 22.60 25.37 27.32 29.74 31.02
Total Capital Ratio(%) 23.64 26.17 28.22 30.75 32.23
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 17.80 19.69 21.06 22.43 23.20
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 25,843,314 27,148,411 28,463,239 29,501,346 29,430,123
Avg Diluted Shares(actual) 25,071,000 26,247,000 27,634,000 27,899,000 27,374,000
Basic Book Value per Share 14.92 14.50 14.04 13.97 13.95
Book Value per Share, As Reported 14.92 14.50 14.04 13.97 13.95
Basic Tangible Book Value per Share 14.90 14.48 14.02 13.95 13.93
Tangible Book Value per Share, As Reported NA NA NA NA NA
EPS after Extra 1.08 1.37 1.11 0.93 0.93
EPS after Extra Growth(%) 77 23.40 19.40 0 66.10
Core EPS 1.08 1.37 1.11 1.03 0.93
Core EPS Growth(%) 77 23.40 8.10 10.50 66.40
Diluted EPS before Amortization 1.08 1.37 1.11 0.93 0.93
Pre-Provision Earnings per Share 1.30 1.41 1.12 1.01 1
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