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 5,566,650 5,015,072 4,676,200 4,414,521 4,550,663
Total Net Loans 4,419,833 4,163,224 3,990,651 3,734,505 3,776,411
Total Deposits 4,512,158 3,960,106 3,725,007 3,597,144 3,677,230
Equity Attributable to Parent Company 626,728 603,066 531,977 471,662 429,806
Total Equity 626,728 603,066 531,977 471,662 429,806
Profitability (%)
Net Income($000) 28,071 73,612 67,109 51,564 45,342
Net Income Attributable to Parent($000) 28,071 73,612 67,109 51,564 45,342
ROAA 1.08 1.52 1.49 1.16 1.04
Core ROAA 1.13 1.53 1.39 1.02 1.05
ROAE 9.18 12.88 13.46 11.32 10.93
ROATCE 9.44 13.24 13.99 11.85 11.57
Core ROAE 9.58 12.96 12.60 9.99 11.08
Net Interest Margin 3.59 3.95 3.99 3.74 4.05
Reported: Net Interest Margin 3.61 3.95 3.99 3.74 4.05
Efficiency Ratio 55.40 53.04 55.05 58.44 59.61
Noninterest Inc/ Operating Rev 14.60 14.40 14.62 16.57 13.58
Balance Sheet Ratios (%)
Loans/ Deposits 98.61 105.91 108.12 104.61 103.27
Securities/ Assets 8.23 7.73 5.48 4.32 4.99
Total Equity/ Total Assets 11.26 12.03 11.38 10.68 9.44
Tangible Equity/ Tangible Assets 11.14 11.88 11.20 10.46 9.20
Tang Common Equity/ Tang Assets 11.14 11.88 11.20 10.46 9.20
Asset Quality (%)
NPAs/ Assets 0.14 0.19 0.35 0.91 1.27
NPA Excl Restructured/ Assets 0.14 0.16 0.25 0.63 0.86
NPAs & 90+ PD/ Assets 0.14 0.19 0.35 0.91 1.28
NPAs/ Loans & REO 0.18 0.23 0.41 1.06 1.56
Nonaccrual & 90+ & OREO/ Assets 0.14 0.16 0.25 0.64 0.87
NPAs & 90+ PD/ Loans & REO 0.18 0.23 0.41 1.07 1.57
NPA & Loans 90+/ Tangible Common Equity + LLR 1.17 1.50 2.93 8.12 12.78
NCOs/ Avg Loans 0.02 0.10 0.13 0.27 0.29
Loan Loss Reserves/ Gross Loans 1.11 0.96 0.95 0.97 0.98
Reserves/ NPAs 634.89 422.41 233.70 91.24 64.61
Loan Loss Provision/ NCO NM 144.20 136.63 90.93 92.53
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 562,722 513,060 460,661 418,687
Tier 1 Capital($000) NA 587,722 538,060 485,685 443,706
Tier 2 Capital($000) NA 115,294 113,409 111,492 112,400
Total Capital($000) NA 703,016 651,469 597,177 556,106
Total Risk-weighted Assets($000) NA 4,654,839 4,510,324 4,245,615 4,095,120
Tier 1 Common Capital (CET1) Ratio(%) 12.50 12.09 11.38 10.85 10.22
Tier 1 Ratio(%) 13.03 12.63 11.93 11.44 10.84
Total Capital Ratio(%) 17.24 15.10 14.44 14.07 13.58
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.43 11.85 11.69 10.92 9.93
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 14,084,420 14,261,052 14,151,198 14,087,533 13,968,386
Avg Diluted Shares(actual) 14,209,000 14,330,000 14,260,000 14,180,000 14,141,000
Basic Book Value per Share 44.50 42.29 37.59 33.48 30.77
Book Value per Share, As Reported 44.50 42.29 37.59 33.48 30.77
Basic Tangible Book Value per Share 43.96 41.72 36.94 32.71 29.88
Tangible Book Value per Share, As Reported NA 41.72 36.94 32.71 29.88
Common Dividends Declared per Share 1.68 2.07 1.20 0.94 0.88
EPS after Extra 1.98 5.14 4.71 3.64 3.21
EPS after Extra Growth(%) (21.40) 9.10 29.40 13.40 (2.10)
Core EPS 2.07 5.17 4.41 3.21 3.25
Core EPS Growth(%) (17.80) 17.40 37.10 (1.20) (3.20)
Diluted EPS before Amortization 2.02 5.22 4.82 3.76 3.35
Pre-Provision Earnings per Share 2.50 5.27 4.55 3.29 3.23
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