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Financial Highlights Report

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 7,273,638 6,748,913 6,123,494 6,498,097 5,563,767
Total Net Loans 3,549,194 3,543,790 3,286,381 3,275,576 2,546,267
Total Deposits 4,739,123 4,702,769 4,425,030 4,515,447 3,533,076
Equity Attributable to Parent Company 795,800 804,580 731,291 754,140 518,274
Total Equity 795,800 804,580 731,291 754,140 518,274
Profitability (%)
Net Income($000) 3,953 74,554 74,138 54,312 49,349
Net Income Attributable to Parent($000) 3,953 74,554 74,138 54,312 49,349
ROAA 0.23 1.17 1.19 0.96 0.94
Core ROAA 0.02 1.21 1.30 1.07 0.93
ROAE 1.92 9.53 9.87 9.65 10.54
ROATCE 3.10 13.79 14.77 12.31 13.63
Core ROAE 0.15 9.89 10.81 10.75 10.41
Net Interest Margin 3.01 3.06 3.18 3.07 3.26
Reported: Net Interest Margin 3.03 3.06 3.18 3.07 3.26
Efficiency Ratio 51.91 52.46 49.88 50.36 55.42
Noninterest Inc/ Operating Rev 18.14 19.66 19.66 20.38 20.76
Balance Sheet Ratios (%)
Loans/ Deposits 75.98 75.87 74.87 72.96 72.36
Securities/ Assets 41.45 37.87 35.88 38.62 44.64
Total Equity/ Total Assets 10.94 11.92 11.94 11.61 9.32
Tangible Equity/ Tangible Assets 8.25 9.03 8.68 8.45 7.72
Tang Common Equity/ Tang Assets 8.25 9.03 8.68 8.45 7.72
Asset Quality (%)
NPAs/ Assets 0.24 0.26 0.70 0.16 0.27
NPA Excl Restructured/ Assets 0.08 0.08 0.60 0.07 0.16
NPAs & 90+ PD/ Assets 0.24 0.26 0.70 0.16 0.27
NPAs/ Loans & REO 0.48 0.49 1.29 0.32 0.59
Nonaccrual & 90+ & OREO/ Assets 0.08 0.08 0.60 0.07 0.16
NPAs & 90+ PD/ Loans & REO 0.48 0.49 1.29 0.32 0.59
NPA & Loans 90+/ Tangible Common Equity + LLR 2.74 2.84 7.95 1.90 3.43
NCOs/ Avg Loans 0.06 0.21 0.07 0.07 0.47
Loan Loss Reserves/ Gross Loans 1.49 0.69 0.82 0.63 0.70
Reserves/ NPAs 308.21 142.11 62.97 198.46 118.62
Loan Loss Provision/ NCO NM 69.66 383.67 259 84.27
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 567,723 591,026 568,283 570,610 461,158
Tier 1 Capital($000) 626,163 649,465 626,718 627,532 515,831
Tier 2 Capital($000) 142,996 124,828 127,316 121,000 117,458
Total Capital($000) 769,159 774,293 754,034 748,532 633,289
Total Risk-weighted Assets($000) 4,432,998 4,201,221 3,848,311 3,893,691 3,150,210
Tier 1 Common Capital (CET1) Ratio(%) 12.81 14.07 14.77 14.65 14.64
Tier 1 Ratio(%) 14.13 15.46 16.29 16.12 16.37
Total Capital Ratio(%) 17.35 18.43 19.59 19.22 20.10
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.45 10.18 10.64 11.16 9.46
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 33,011,569 33,823,257 33,724,749 35,000,333 29,261,000
Avg Diluted Shares(actual) 33,805,000 33,895,000 35,116,000 30,047,000 27,247,000
Basic Book Value per Share 24.11 23.79 21.68 21.55 17.71
Book Value per Share, As Reported 24.11 23.79 21.68 21.55 17.71
Basic Tangible Book Value per Share 17.64 17.45 15.19 15.14 14.43
Tangible Book Value per Share, As Reported 17.64 17.45 15.19 15.14 14.43
Common Dividends Declared per Share 0.31 1.26 1.20 1.10 0.96
EPS after Extra 0.12 2.20 2.11 1.81 1.81
EPS after Extra Growth(%) (78.60) 4.30 16.60 (0.30) 12.90
Core EPS 0.01 2.28 2.31 2.02 1.79
Core EPS Growth(%) (98.40) (1.20) 14.60 12.50 7.20
Diluted EPS before Amortization 0.15 2.33 2.26 1.88 1.89
Pre-Provision Earnings per Share 0.58 2.15 2.19 1.71 1.59
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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