Investor Relations

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 7,279,327 6,174,032 5,462,092 5,108,442 4,426,348
Total Net Loans 5,987,566 5,108,484 4,506,138 4,164,553 3,528,093
Total Deposits 5,509,192 4,767,542 4,092,092 3,795,128 3,344,271
Equity Attributable to Parent Company 853,710 731,190 613,927 565,437 531,032
Total Equity 853,710 731,190 613,927 565,437 531,032
Profitability (%)
Net Income($000) 6,030 73,395 60,352 43,220 31,082
Net Income Attributable to Parent($000) 6,030 73,395 60,352 43,220 31,082
ROAA 0.34 1.22 1.17 0.93 0.73
Core ROAA 0.78 1.39 1.19 1.04 0.68
ROAE 2.79 10.40 10.29 7.81 6.30
ROATCE 3.89 13.72 13.84 10.76 9.20
Core ROAE 6.43 11.83 10.45 8.69 5.85
Net Interest Margin 3.39 3.35 3.28 3.45 3.38
Reported: Net Interest Margin 3.41 3.35 3.28 3.45 3.38
Efficiency Ratio 42.62 40.61 41.70 50.57 41.80
Noninterest Inc/ Operating Rev 4.57 4.13 3.52 4.17 4.19
Balance Sheet Ratios (%)
Loans/ Deposits 109.08 107.26 110.97 109.92 103.93
Securities/ Assets 6.85 7.18 8.32 9.18 8.53
Total Equity/ Total Assets 11.73 11.84 11.24 11.07 12
Tangible Equity/ Tangible Assets 8.96 9.38 8.77 8.41 8.93
Tang Common Equity/ Tang Assets 8.96 9.38 8.77 8.41 8.93
Asset Quality (%)
NPAs/ Assets 1.15 1.15 1.15 1.59 1.87
NPA Excl Restructured/ Assets 0.86 0.80 0.95 1.29 1.57
NPAs & 90+ PD/ Assets 1.23 1.20 1.18 1.62 1.99
NPAs/ Loans & REO 1.38 1.38 1.39 1.93 2.33
Nonaccrual & 90+ & OREO/ Assets 0.93 0.85 0.98 1.33 1.69
NPAs & 90+ PD/ Loans & REO 1.48 1.44 1.42 1.97 2.48
NPA & Loans 90+/ Tangible Common Equity + LLR 12.99 12.30 12.90 18.43 21.59
NCOs/ Avg Loans 0.01 0.09 0.41 0 1.18
Loan Loss Reserves/ Gross Loans 0.90 0.74 0.77 0.76 0.72
Reserves/ NPAs 64.74 54.02 55.46 39.16 31.11
Loan Loss Provision/ NCO NM 170.13 117.92 NM 97.91
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 627,583 558,309 473,721 420,252 385,050
Tier 1 Capital($000) 632,738 563,464 478,876 425,407 390,205
Tier 2 Capital($000) 179,169 163,293 159,954 81,748 75,744
Total Capital($000) 811,907 726,757 638,830 507,155 465,949
Total Risk-weighted Assets($000) 6,516,798 5,609,765 4,857,438 4,594,274 3,954,821
Tier 1 Common Capital (CET1) Ratio(%) 9.63 9.95 9.75 9.15 9.74
Tier 1 Ratio(%) 9.71 10.04 9.86 9.26 9.87
Total Capital Ratio(%) 12.46 12.96 13.15 11.04 11.78
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.20 9.54 9.34 8.92 9.29
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 39,704,921 35,072,066 32,328,542 32,071,860 31,948,307
Avg Diluted Shares(actual) 39,516,000 35,293,000 32,357,000 32,237,000 30,690,000
Basic Book Value per Share 21.50 20.85 18.99 17.63 16.62
Book Value per Share, As Reported 21.50 20.85 18.99 17.63 16.62
Basic Tangible Book Value per Share 15.93 16.06 14.42 13.01 11.96
Tangible Book Value per Share, As Reported 15.93 16.06 14.42 13.01 11.96
Common Dividends Declared per Share 0 0.36 0.30 0.30 0.30
EPS after Extra 0.15 2.07 1.86 1.34 1.01
EPS after Extra Growth(%) (54.50) 11.30 38.80 32.70 (25.70)
Core EPS 0.35 2.35 1.89 1.49 0.94
Core EPS Growth(%) (31.50) 24.60 26.70 59.10 (27.80)
Diluted EPS before Amortization 0.17 2.11 1.88 1.36 1.04
Pre-Provision Earnings per Share 0.64 2.53 2.29 1.46 1.64
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.