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Financial Highlights

Financial Highlights
Custom Periods
Period Ended
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 4,434,643 3,341,290 2,753,297 2,322,347 1,923,931
Total Net Loans 2,557,334 1,752,278 1,454,274 1,199,379 983,882
Total Deposits 3,643,954 2,999,163 2,392,867 2,063,295 1,677,670
Equity Attributable to Parent Company 255,178 249,168 245,189 226,460 215,053
Total Equity 255,178 249,168 245,189 226,460 215,053
Profitability (%)
Net Income($000) 1,919 (3,500) 8,627 8,905 4,945
Net Income Attributable to Parent($000) 1,919 (3,500) 8,627 8,905 4,945
ROAA 0.11 (0.12) 0.34 0.43 0.30
Core ROAA 0 (0.15) 0.34 0.81 0.28
ROAE 1.52 (1.41) 3.69 4.02 3.97
ROATCE NA (1.46) 3.82 4.13 4.05
Core ROAE (0.03) (1.76) 3.71 7.54 3.65
Net Interest Margin 2.63 2.85 3.16 3.23 3.14
Reported: Net Interest Margin 2.64 2.85 3.16 3.23 3.14
Efficiency Ratio 95.72 101.39 84.82 85.50 85.93
Noninterest Inc/ Operating Rev 22.43 22.54 21.17 24.59 23.64
Balance Sheet Ratios (%)
Loans/ Deposits 69.77 58.29 60.04 56.33 57.52
Securities/ Assets 21.25 35.52 39.54 40.44 41.80
Total Equity/ Total Assets 5.75 7.46 8.91 9.75 11.18
Tangible Equity/ Tangible Assets NA 7.19 8.58 9.56 10.94
Tang Common Equity/ Tang Assets NA 7.19 8.58 9.56 10.94
Asset Quality (%)
NPAs/ Assets NA 0.61 0.83 1.28 1.80
NPA Excl Restructured/ Assets 0.31 0.42 0.60 0.94 1.50
NPAs & 90+ PD/ Assets NA 0.61 0.83 1.28 1.82
NPAs/ Loans & REO NA 1.15 1.56 2.44 3.46
Nonaccrual & 90+ & OREO/ Assets 0.31 0.42 0.60 0.94 1.51
NPAs & 90+ PD/ Loans & REO NA 1.15 1.56 2.44 3.49
NPA & Loans 90+/ Tangible Common Equity + LLR NA 8.16 9.38 12.90 15.96
NCOs/ Avg Loans 0.02 0.08 0.17 0.13 0.12
Loan Loss Reserves/ Gross Loans 0.43 0.53 0.59 0.71 0.92
Reserves/ NPAs NA 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) NA 241,493 243,349 220,433 214,088
Tier 1 Capital($000) NA 252,493 254,349 240,911 235,888
Tier 2 Capital($000) NA 9,266 8,615 8,599 9,155
Total Capital($000) NA 261,759 262,964 249,510 245,043
Total Risk-weighted Assets($000) NA 2,115,632 1,750,113 1,494,019 1,290,321
Tier 1 Common Capital (CET1) Ratio(%) 11.01 11.41 13.90 14.75 16.59
Tier 1 Ratio(%) 11.51 11.93 14.53 16.13 18.28
Total Capital Ratio(%) 12 12.37 15.03 16.70 18.99
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 7.58 7.83 9.35 10.64 12.74
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 58,796,774 58,842,778 58,789,228 56,989,764 56,754,867
Avg Diluted Shares(actual) 58,911,000 58,833,000 59,407,000 58,250,000 39,865,000
Basic Book Value per Share 4.34 4.23 4.17 3.97 3.79
Book Value per Share, As Reported 4.34 4.23 4.17 3.97 3.79
Basic Tangible Book Value per Share NA 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 0.03 (0.06) 0.15 0.15 0.12
EPS after Extra Growth(%) 200 NM 0 25 100
Core EPS 0 (0.07) 0.15 0.28 0.11
Core EPS Growth(%) NM NM (46.40) 154.70 533.40
Diluted EPS before Amortization NA (0.06) 0.15 0.15 0.12
Pre-Provision Earnings per Share 0.02 (0.05) 0.17 0.08 0.09
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