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Financial Highlights

Financial Highlights
Custom Periods
Period Ended
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 3,300,416 3,341,290 2,753,297 2,322,347 1,923,931
Total Net Loans 1,888,640 1,752,278 1,454,274 1,199,379 983,882
Total Deposits 2,944,479 2,999,163 2,392,867 2,063,295 1,677,670
Equity Attributable to Parent Company 252,116 249,168 245,189 226,460 215,053
Total Equity 252,116 249,168 245,189 226,460 215,053
Profitability (%)
Net Income($000) (593) (3,500) 8,627 8,905 4,945
Net Income Attributable to Parent($000) (593) (3,500) 8,627 8,905 4,945
ROAA (0.07) (0.12) 0.34 0.43 0.30
Core ROAA (0.15) (0.15) 0.34 0.81 0.28
ROAE (0.95) (1.41) 3.69 4.02 3.97
ROATCE (0.99) (1.46) 3.82 4.13 4.05
Core ROAE (2.01) (1.76) 3.71 7.54 3.65
Net Interest Margin 2.75 2.85 3.16 3.23 3.14
Reported: Net Interest Margin 2.76 2.85 3.16 3.23 3.14
Efficiency Ratio 101.43 101.39 84.82 85.50 85.93
Noninterest Inc/ Operating Rev 21.56 22.54 21.17 24.59 23.64
Balance Sheet Ratios (%)
Loans/ Deposits 63.92 58.29 60.04 56.33 57.52
Securities/ Assets 33.71 35.52 39.54 40.44 41.80
Total Equity/ Total Assets 7.64 7.46 8.91 9.75 11.18
Tangible Equity/ Tangible Assets 7.37 7.19 8.58 9.56 10.94
Tang Common Equity/ Tang Assets 7.37 7.19 8.58 9.56 10.94
Asset Quality (%)
NPAs/ Assets 0.65 0.61 0.83 1.28 1.80
NPA Excl Restructured/ Assets 0.46 0.42 0.60 0.94 1.50
NPAs & 90+ PD/ Assets 0.65 0.61 0.83 1.28 1.82
NPAs/ Loans & REO 1.13 1.15 1.56 2.44 3.46
Nonaccrual & 90+ & OREO/ Assets 0.46 0.42 0.60 0.94 1.51
NPAs & 90+ PD/ Loans & REO 1.13 1.15 1.56 2.44 3.49
NPA & Loans 90+/ Tangible Common Equity + LLR 8.50 8.16 9.38 12.90 15.96
NCOs/ Avg Loans 0 0.08 0.17 0.13 0.12
Loan Loss Reserves/ Gross Loans 0.54 0.53 0.59 0.71 0.92
Reserves/ NPAs 47.60 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) 241,772 241,493 243,349 220,433 214,088
Tier 1 Capital($000) 252,772 252,493 254,349 240,911 235,888
Tier 2 Capital($000) 10,217 9,266 8,615 8,599 9,155
Total Capital($000) 262,989 261,759 262,964 249,510 245,043
Total Risk-weighted Assets($000) 2,237,038 2,115,632 1,750,113 1,494,019 1,290,321
Tier 1 Common Capital (CET1) Ratio(%) 10.81 11.41 13.90 14.75 16.59
Tier 1 Ratio(%) 11.30 11.93 14.53 16.13 18.28
Total Capital Ratio(%) 11.76 12.37 15.03 16.70 18.99
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 7.67 7.83 9.35 10.64 12.74
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 58,850,778 58,842,778 58,789,228 56,989,764 56,754,867
Avg Diluted Shares(actual) 58,848,000 58,833,000 59,407,000 58,250,000 39,865,000
Basic Book Value per Share 4.28 4.23 4.17 3.97 3.79
Book Value per Share, As Reported 4.28 4.23 4.17 3.97 3.79
Basic Tangible Book Value per Share 4.12 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 (0.01) (0.06) 0.15 0.15 0.12
EPS after Extra Growth(%) NM NM 0 25 100
Core EPS (0.02) (0.07) 0.15 0.28 0.11
Core EPS Growth(%) NM NM (46.40) 154.70 533.40
Diluted EPS before Amortization (0.01) (0.06) 0.15 0.15 0.12
Pre-Provision Earnings per Share (0.01) (0.05) 0.17 0.08 0.09
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.