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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 6,108,548 6,012,672 5,807,026 5,623,708 5,384,236
Total Net Loans 4,456,263 4,410,652 4,037,097 3,736,950 3,500,140
Total Deposits 5,136,069 5,120,023 4,946,490 4,956,354 4,608,201
Equity Attributable to Parent Company 533,781 528,520 491,725 500,011 504,650
Total Equity 533,830 528,520 491,725 500,035 504,675
Profitability (%)
Net Income($000) 8,326 58,322 59,462 41,203 46,992
Net Income Attributable to Parent($000) 8,326 58,322 59,486 41,204 46,992
ROAA 0.55 0.99 1.05 0.75 0.90
Core ROAA 0.55 0.95 1.04 0.91 0.93
ROAE 6.21 11.36 12.21 8.02 9.16
ROATCE 6.21 11.36 12.56 8.42 9.61
Core ROAE 6.19 10.90 12.15 9.78 9.47
Net Interest Margin 3.42 3.35 3.22 3.28 3.27
Reported: Net Interest Margin 3.43 3.35 3.22 3.28 3.27
Efficiency Ratio 63.61 63.15 62.23 62.32 63.49
Noninterest Inc/ Operating Rev 15.63 17.48 18.15 17.68 18.96
Balance Sheet Ratios (%)
Loans/ Deposits 87.85 86.90 82.45 76.08 76.49
Securities/ Assets 19.72 19.04 23.66 26.81 27.42
Total Equity/ Total Assets 8.74 8.79 8.47 8.89 9.37
Tangible Equity/ Tangible Assets 8.74 8.79 8.47 8.86 9.29
Tang Common Equity/ Tang Assets 8.74 8.79 8.47 8.86 9.29
Asset Quality (%)
NPAs/ Assets 0.18 0.15 0.27 0.29 0.49
NPA Excl Restructured/ Assets 0.06 0.03 0.05 0.06 0.17
NPAs & 90+ PD/ Assets 0.20 0.17 0.28 0.30 0.51
NPAs/ Loans & REO 0.24 0.21 0.38 0.43 0.74
Nonaccrual & 90+ & OREO/ Assets 0.09 0.05 0.06 0.07 0.20
NPAs & 90+ PD/ Loans & REO 0.28 0.23 0.40 0.44 0.78
NPA & Loans 90+/ Tangible Common Equity + LLR 2.10 1.77 2.99 3.07 4.97
NCOs/ Avg Loans 0.11 0.15 0.02 0.11 0.03
Loan Loss Reserves/ Gross Loans 1.32 1.08 1.17 1.32 1.59
Reserves/ NPAs 547.20 521.71 307.08 307.51 215.41
Loan Loss Provision/ NCO NM 100.88 (116.96) (67.59) NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 517,947 518,529 500,260 490,861 485,268
Tier 1 Capital($000) 567,947 568,529 570,260 578,607 562,460
Tier 2 Capital($000) 50,557 49,243 49,159 49,461 49,742
Total Capital($000) 618,504 617,772 619,419 628,068 612,202
Total Risk-weighted Assets($000) 4,602,853 4,529,801 4,215,353 3,945,350 3,952,612
Tier 1 Common Capital (CET1) Ratio(%) 11.25 11.45 11.87 12.44 12.28
Tier 1 Ratio(%) 12.34 12.55 13.53 14.67 14.23
Total Capital Ratio(%) 13.44 13.64 14.69 15.92 15.49
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.47 9.53 9.88 10.35 10.64
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 28,115,353 28,289,257 28,967,715 30,024,222 30,796,243
Avg Diluted Shares(actual) 28,277,753 28,677,100 29,609,907 30,638,140 31,224,894
Basic Book Value per Share 18.99 18.68 16.97 16.65 16.39
Book Value per Share, As Reported 18.99 18.68 16.97 16.65 16.39
Basic Tangible Book Value per Share 18.99 18.68 16.97 16.59 16.23
Tangible Book Value per Share, As Reported 18.99 18.68 16.97 16.59 16.23
Common Dividends Declared per Share 0.23 0.90 0.82 0.70 0.60
EPS after Extra 0.29 2.03 2.01 1.34 1.50
EPS after Extra Growth(%) (47.30) 1 50 (10.70) 7.10
Core EPS 0.29 1.95 2 1.63 1.55
Core EPS Growth(%) (39.80) (2.60) 22.50 5.20 5
Diluted EPS before Amortization 0.29 2.03 2.08 1.43 1.59
Pre-Provision Earnings per Share 0.56 2.24 2.05 1.54 1.40
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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