Financial Highlights

Financial Highlights
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 6,562,359 5,552,970 5,316,927 4,113,270 3,878,981
Total Net Loans 4,598,615 3,737,241 3,620,673 2,819,273 2,621,328
Total Deposits 5,567,733 4,582,676 4,432,402 3,393,060 3,229,648
Equity Attributable to Parent Company 793,652 809,311 760,723 508,305 481,763
Total Equity 793,652 809,311 760,723 508,305 481,763
Profitability (%)
Net Income($000) 6,052 67,557 53,057 41,791 38,918
Net Income Attributable to Parent($000) 6,052 67,557 53,057 41,791 38,918
ROAA 0.20 1.25 1.07 1.05 1.04
Core ROAA 0.20 1.30 1.30 1.14 1.04
ROAE 1.50 8.56 7.72 8.36 8.01
ROATCE 2.72 13.33 11.85 11.32 11
Core ROAE 1.45 8.91 9.44 9.06 8.02
Net Interest Margin 3.78 4.19 4.26 3.89 3.92
Reported: Net Interest Margin 3.84 4.22 4.29 3.93 3.96
Efficiency Ratio 63.46 61.33 61.16 62.38 64.19
Noninterest Inc/ Operating Rev 13.67 13.78 14.10 20.02 18.61
Balance Sheet Ratios (%)
Loans/ Deposits 83.81 82.22 82.44 83.97 81.77
Securities/ Assets 13.51 17.27 18.47 19.91 20.68
Total Equity/ Total Assets 12.09 14.57 14.31 12.36 12.42
Tangible Equity/ Tangible Assets 8.53 10.42 9.87 9.61 9.47
Tang Common Equity/ Tang Assets 8.53 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 0.12 0.09 0.06 0.12 0.14
Loan Loss Reserves/ Gross Loans 1.53 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) 527,768 541,154 510,618 386,689 362,350
Tier 1 Capital($000) 548,509 561,749 530,920 406,687 381,989
Tier 2 Capital($000) 57,960 36,477 35,348 32,357 31,331
Total Capital($000) 606,469 598,226 566,268 439,044 413,320
Total Risk-weighted Assets($000) 4,635,004 4,691,322 4,381,971 3,433,822 3,170,839
Tier 1 Common Capital (CET1) Ratio(%) 11.39 11.54 11.65 11.26 11.43
Tier 1 Ratio(%) 11.83 11.97 12.12 11.84 12.05
Total Capital Ratio(%) 13.08 12.75 12.92 12.79 13.04
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.20 10.57 10.52 10.20 10.31
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 35,908,908 36,618,729 36,874,055 29,927,746 29,954,931
Avg Diluted Shares(actual) 36,275,391 36,985,766 35,371,590 29,849,331 29,692,153
Basic Book Value per Share 22.10 22.10 20.63 16.98 16.08
Book Value per Share, As Reported 22.10 22.10 20.63 16.98 16.08
Basic Tangible Book Value per Share 14.98 15.07 13.54 12.80 11.86
Tangible Book Value per Share, As Reported 14.98 15.07 13.54 12.80 11.86
Common Dividends Declared per Share 0.40 0.84 0.72 0.61 0.72
EPS after Extra 0.17 1.83 1.49 1.39 1.30
EPS after Extra Growth(%) (80.70) 22.80 7.20 6.90 4
Core EPS 0.16 1.91 1.82 1.51 1.30
Core EPS Growth(%) (82.30) 4.60 21 15.70 10.70
Diluted EPS before Amortization 0.22 1.94 1.60 1.43 1.35
Pre-Provision Earnings per Share 0.89 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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