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Investor Relations

Investor Relations
Financial Highlights
Financial Highlights
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 2,697,738 2,707,280 2,520,892 2,468,154 2,023,493
Total Net Loans 1,824,976 1,826,609 1,748,043 1,663,246 1,471,174
Total Deposits 2,307,110 2,336,489 2,174,840 2,148,670 1,772,700
Equity Attributable to Parent Company 345,940 336,788 316,407 297,025 230,563
Total Equity 345,940 336,788 316,407 297,025 230,563
Profitability (%)
Net Income($000) 7,228 34,241 32,622 15,976 23,134
Net Income Attributable to Parent($000) 7,228 34,241 32,622 15,976 23,134
ROAA 1.09 1.34 1.31 0.75 1.15
Core ROAA 1.02 1.36 1.34 0.98 1.16
ROAE 8.49 10.49 10.73 6.49 10.23
ROATCE 9.68 12 12.45 6.98 10.82
Core ROAE 7.95 10.66 10.99 8.49 10.26
Net Interest Margin 3.92 4.03 3.95 3.85 3.97
Reported: Net Interest Margin 3.88 3.98 3.90 3.80 3.91
Efficiency Ratio 57.10 53.99 55.22 59.36 56.03
Noninterest Inc/ Operating Rev 8.77 8.38 9.19 10.15 10.67
Balance Sheet Ratios (%)
Loans/ Deposits 79.92 78.89 81.10 78.14 83.86
Securities/ Assets 21.94 21.48 25.03 20.05 21.13
Total Equity/ Total Assets 12.82 12.44 12.55 12.03 11.39
Tangible Equity/ Tangible Assets 11.69 11.30 11.29 10.71 11
Tang Common Equity/ Tang Assets 11.69 11.30 11.29 10.71 11
Asset Quality (%)
NPAs/ Assets 0.47 0.42 0.60 0.69 0.93
NPA Excl Restructured/ Assets 0.06 0.01 0.03 0.02 0.03
NPAs & 90+ PD/ Assets 0.47 0.42 0.60 0.69 0.93
NPAs/ Loans & REO 0.69 0.62 0.85 1.01 1.26
Nonaccrual & 90+ & OREO/ Assets 0.06 0.01 0.03 0.02 0.03
NPAs & 90+ PD/ Loans & REO 0.69 0.62 0.85 1.01 1.26
NPA & Loans 90+/ Tangible Common Equity + LLR 3.86 3.61 5.07 6.13 7.90
NCOs/ Avg Loans 0 0 0 0.01 (0.16)
Loan Loss Reserves/ Gross Loans 1.02 0.90 0.90 0.94 1.04
Reserves/ NPAs 148.30 145 105.21 93.15 82.48
Loan Loss Provision/ NCO NM NM NM 285.71 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 301,723 298,845 285,805 265,119 225,925
Tier 1 Capital($000) 304,448 301,553 288,445 270,710 231,111
Tier 2 Capital($000) 20,072 17,764 16,779 16,725 16,342
Total Capital($000) 324,520 319,317 305,224 287,435 247,453
Total Risk-weighted Assets($000) 2,121,754 2,118,385 2,044,993 1,927,820 1,727,985
Tier 1 Common Capital (CET1) Ratio(%) 14.22 14.11 13.98 13.75 13.07
Tier 1 Ratio(%) 14.35 14.24 14.10 14.04 13.37
Total Capital Ratio(%) 15.29 15.07 14.93 14.91 14.32
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.66 11.66 11.54 12.13 11.39
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 13,565,969 13,577,008 13,844,353 13,843,084 12,254,628
Avg Diluted Shares(actual) 13,656,000 13,794,000 14,029,000 12,545,000 12,229,700
Basic Book Value per Share 25.50 24.81 22.85 21.46 18.81
Book Value per Share, As Reported 25.50 24.81 22.85 21.46 18.82
Basic Tangible Book Value per Share 22.95 22.24 20.28 18.81 18.08
Tangible Book Value per Share, As Reported NA NA NA NA NA
Common Dividends Declared per Share 0.23 0.80 0.64 0.56 0.51
EPS after Extra 0.53 2.48 2.33 1.27 1.89
EPS after Extra Growth(%) (1.90) 6.40 83.50 (32.80) 24.30
Core EPS 0.50 2.52 2.39 1.66 1.90
Core EPS Growth(%) (14) 5.60 43.70 (12.40) 23
Diluted EPS before Amortization 0.55 2.54 2.40 1.31 1.93
Pre-Provision Earnings per Share 0.64 2.67 2.45 1.64 1.82
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.