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 5,587,300 5,552,970 5,316,927 4,113,270 3,878,981
Total Net Loans 3,808,644 3,737,241 3,620,673 2,819,273 2,621,328
Total Deposits 4,617,948 4,582,676 4,432,402 3,393,060 3,229,648
Equity Attributable to Parent Company 798,438 809,311 760,723 508,305 481,763
Total Equity 798,438 809,311 760,723 508,305 481,763
Profitability (%)
Net Income($000) 12,191 67,557 53,057 41,791 38,918
Net Income Attributable to Parent($000) 12,191 67,557 53,057 41,791 38,918
ROAA 0.88 1.25 1.07 1.05 1.04
Core ROAA 0.87 1.30 1.30 1.14 1.04
ROAE 6.05 8.56 7.72 8.36 8.01
ROATCE 9.40 13.33 11.85 11.32 11
Core ROAE 6.01 8.91 9.44 9.06 8.02
Net Interest Margin 4 4.19 4.26 3.89 3.92
Reported: Net Interest Margin 4.06 4.22 4.29 3.93 3.96
Efficiency Ratio 63.71 61.33 61.16 62.38 64.19
Noninterest Inc/ Operating Rev 14.85 13.78 14.10 20.02 18.61
Balance Sheet Ratios (%)
Loans/ Deposits 83.42 82.22 82.44 83.97 81.77
Securities/ Assets 17.32 17.27 18.47 19.91 20.68
Total Equity/ Total Assets 14.29 14.57 14.31 12.36 12.42
Tangible Equity/ Tangible Assets 10.16 10.42 9.87 9.61 9.47
Tang Common Equity/ Tang Assets 10.16 10.42 9.87 9.61 9.47
Asset Quality (%)
NPAs/ Assets NA NA NA 0.83 0.79
NPA Excl Restructured/ Assets NA NA NA 0.21 0.23
NPAs & 90+ PD/ Assets NA NA NA 0.83 0.79
NPAs/ Loans & REO NA NA NA 1.20 1.15
Nonaccrual & 90+ & OREO/ Assets NA NA NA 0.21 0.23
NPAs & 90+ PD/ Loans & REO NA NA NA 1.20 1.15
NPA & Loans 90+/ Tangible Common Equity + LLR NA NA NA 8.23 7.88
NCOs/ Avg Loans 0.04 0.09 0.06 0.12 0.14
Loan Loss Reserves/ Gross Loans 1.23 0.96 0.96 1.13 1.17
Reserves/ NPAs NA NA NA 93.93 102.02
Loan Loss Provision/ NCO NM 135.48 236.03 131.18 137.20
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 532,695 541,154 510,618 386,689 362,350
Tier 1 Capital($000) 553,363 561,749 530,920 406,687 381,989
Tier 2 Capital($000) 41,794 36,477 35,348 32,357 31,331
Total Capital($000) 595,157 598,226 566,268 439,044 413,320
Total Risk-weighted Assets($000) 4,761,182 4,691,322 4,381,971 3,433,822 3,170,839
Tier 1 Common Capital (CET1) Ratio(%) 11.19 11.54 11.65 11.26 11.43
Tier 1 Ratio(%) 11.62 11.97 12.12 11.84 12.05
Total Capital Ratio(%) 12.50 12.75 12.92 12.79 13.04
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.38 10.57 10.52 10.20 10.31
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 35,888,494 36,618,729 36,874,055 29,927,746 29,954,931
Avg Diluted Shares(actual) 36,596,641 36,985,766 35,371,590 29,849,331 29,692,153
Basic Book Value per Share 22.25 22.10 20.63 16.98 16.08
Book Value per Share, As Reported 22.25 22.10 20.63 16.98 16.08
Basic Tangible Book Value per Share 15.10 15.07 13.54 12.80 11.86
Tangible Book Value per Share, As Reported 15.10 15.07 13.54 12.80 11.86
Common Dividends Declared per Share 0.20 0.84 0.72 0.61 0.72
EPS after Extra 0.33 1.83 1.49 1.39 1.30
EPS after Extra Growth(%) (26.70) 22.80 7.20 6.90 4
Core EPS 0.33 1.91 1.82 1.51 1.30
Core EPS Growth(%) (31) 4.60 21 15.70 10.70
Diluted EPS before Amortization 0.35 1.94 1.60 1.43 1.35
Pre-Provision Earnings per Share 0.42 1.82 1.79 1.39 1.22
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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