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Financial Highlights

Financial Highlights
Custom Periods
Period Ended
2020 FQ3 YTD
9/30/2020
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 4,958,756 3,341,290 2,753,297 2,322,347 1,923,931
Total Net Loans 2,660,096 1,752,278 1,454,274 1,199,379 983,882
Total Deposits 3,905,606 2,999,163 2,392,867 2,063,295 1,677,670
Equity Attributable to Parent Company 302,938 249,168 245,189 226,460 215,053
Total Equity 302,938 249,168 245,189 226,460 215,053
COVID-19 Financial Disclosure
Paycheck Protection Program Loan($000) NA NA NA NA NA
PPP Loan Ratio(%) NA NA NA NA NA
COVID-19 Loan Modification($000) NA NA NA NA NA
COVID-19 Loan Modification Ratio(%) NA NA NA NA NA
Processing Fees on PPP Loans($000) NA NA NA NA NA
Profitability (%)
Net Income($000) 953 (3,500) 8,627 8,905 4,945
Net Income Attributable to Parent($000) 953 (3,500) 8,627 8,905 4,945
ROAA 0.03 (0.12) 0.34 0.43 0.30
Core ROAA 0.10 (0.15) 0.34 0.81 0.28
ROAE 0.49 (1.41) 3.69 4.02 3.97
ROATCE 2.60 (1.46) 3.82 4.13 4.05
Core ROAE 1.40 (1.76) 3.71 7.54 3.65
Net Interest Margin 2.53 2.85 3.16 3.23 3.14
Reported: Net Interest Margin 2.53 2.85 3.16 3.23 3.14
Efficiency Ratio 92.41 101.39 84.82 85.50 85.93
Noninterest Inc/ Operating Rev 25.17 22.54 21.17 24.59 23.64
Balance Sheet Ratios (%)
Loans/ Deposits 67.32 58.29 60.04 56.33 57.52
Securities/ Assets 22.86 35.52 39.54 40.44 41.80
Total Equity/ Total Assets 6.11 7.46 8.91 9.75 11.18
Tangible Equity/ Tangible Assets 6.02 7.19 8.58 9.56 10.94
Tang Common Equity/ Tang Assets 6.02 7.19 8.58 9.56 10.94
Asset Quality (%)
NPAs/ Assets 0.40 0.61 0.83 1.28 1.80
NPA Excl Restructured/ Assets 0.27 0.42 0.60 0.94 1.50
NPAs & 90+ PD/ Assets 0.40 0.61 0.83 1.28 1.82
NPAs/ Loans & REO 0.73 1.15 1.56 2.44 3.46
Nonaccrual & 90+ & OREO/ Assets 0.27 0.42 0.60 0.94 1.51
NPAs & 90+ PD/ Loans & REO 0.73 1.15 1.56 2.44 3.49
NPA & Loans 90+/ Tangible Common Equity + LLR 6.33 8.16 9.38 12.90 15.96
NCOs/ Avg Loans 0.01 0.08 0.17 0.13 0.12
Loan Loss Reserves/ Gross Loans 0.44 0.53 0.59 0.71 0.92
Reserves/ NPAs 60.39 45.61 37.65 28.97 26.41
Loan Loss Provision/ NCO NM 151.91 100.70 61.81 140.90
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 251,109 241,493 243,349 220,433 214,088
Tier 1 Capital($000) 310,434 252,493 254,349 240,911 235,888
Tier 2 Capital($000) 11,851 9,266 8,615 8,599 9,155
Total Capital($000) 322,285 261,759 262,964 249,510 245,043
Total Risk-weighted Assets($000) 2,305,768 2,115,632 1,750,113 1,494,019 1,290,321
Tier 1 Common Capital (CET1) Ratio(%) 10.89 11.41 13.90 14.75 16.59
Tier 1 Ratio(%) 13.46 11.93 14.53 16.13 18.28
Total Capital Ratio(%) 13.98 12.37 15.03 16.70 18.99
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.81 7.83 9.35 10.64 12.74
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 58,855,778 58,842,778 58,789,228 56,989,764 56,754,867
Avg Diluted Shares(actual) 60,751,000 58,833,000 59,407,000 58,250,000 39,865,000
Basic Book Value per Share 5.15 4.23 4.17 3.97 3.79
Book Value per Share, As Reported 4.33 4.23 4.17 3.97 3.79
Basic Tangible Book Value per Share 5.07 4.07 4 3.89 3.70
Tangible Book Value per Share, As Reported NA 4.15 4.09 3.89 3.70
EPS after Extra 0.02 (0.06) 0.15 0.15 0.12
EPS after Extra Growth(%) NM NM 0 25 100
Core EPS 0.06 (0.07) 0.15 0.28 0.11
Core EPS Growth(%) NM NM (46.40) 154.70 533.40
Diluted EPS before Amortization 0.13 (0.06) 0.15 0.15 0.12
Pre-Provision Earnings per Share 0.01 (0.05) 0.17 0.08 0.09
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