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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 4,001,863 4,006,108 4,039,599 4,112,292 4,505,529
Total Net Loans 2,926,646 2,865,718 2,667,152 2,649,644 2,697,283
Total Deposits 3,472,995 3,504,245 3,591,181 3,669,615 4,063,839
Equity Attributable to Parent Company 474,821 473,111 436,214 432,126 434,650
Total Equity 474,821 473,111 436,214 432,126 434,650
Profitability (%)
Net Income($000) 4,423 26,575 11,905 (681) 15,979
Net Income Attributable to Parent($000) 4,423 26,575 11,905 (681) 15,979
ROAA 0.44 0.66 0.29 (0.02) 0.33
Core ROAA 0.35 0.62 0.48 0.24 0.33
ROAE 3.73 5.77 2.75 (0.16) 3.67
ROATCE 4.30 6.66 3.21 (0.17) 4.26
Core ROAE 2.92 5.46 4.48 2.40 3.67
Net Interest Margin 2.96 3.01 3.10 2.80 2.40
Reported: Net Interest Margin 2.97 3.05 3.10 2.80 2.40
Efficiency Ratio 72.97 71.45 60.14 55.16 54.96
Noninterest Inc/ Operating Rev 17.04 11.06 10.26 9.29 9.98
Balance Sheet Ratios (%)
Loans/ Deposits 84.65 82.32 75.29 73.15 67.22
Securities/ Assets 18.78 19.07 19.77 23.38 19.82
Total Equity/ Total Assets 11.86 11.81 10.80 10.51 9.65
Tangible Equity/ Tangible Assets 10.47 10.42 9.48 9.19 8.43
Tang Common Equity/ Tang Assets 10.47 10.42 9.48 9.19 8.43
Asset Quality (%)
NPAs/ Assets 4.15 4.24 4.93 9.42 4.67
NPA Excl Restructured/ Assets 1.46 1.51 2.09 3.23 3.17
NPAs & 90+ PD/ Assets 4.15 4.24 4.93 9.43 4.69
NPAs/ Loans & REO 5.57 5.81 7.27 14.22 7.64
Nonaccrual & 90+ & OREO/ Assets 1.46 1.51 2.09 3.24 3.19
NPAs & 90+ PD/ Loans & REO 5.57 5.81 7.27 14.24 7.66
NPA & Loans 90+/ Tangible Common Equity + LLR 36.50 37.74 47.81 95.17 51.57
NCOs/ Avg Loans 0.08 0.13 0.47 1.56 0.38
Loan Loss Reserves/ Gross Loans 1.45 1.33 1.45 1.32 1.26
Reserves/ NPAs 25.83 22.84 19.68 9.12 16.39
Loan Loss Provision/ NCO NM 88.62 129.88 101.93 173.58
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 411,878 NA 387,554 374,506 374,855
Tier 1 Capital($000) 411,878 NA 387,554 374,506 374,855
Tier 2 Capital($000) 39,561 NA 34,744 35,466 34,500
Total Capital($000) 451,439 NA 422,298 409,972 409,355
Total Risk-weighted Assets($000) 3,160,127 NA 2,774,784 2,896,801 3,067,403
Tier 1 Common Capital (CET1) Ratio(%) 13.03 NA 13.97 12.93 12.22
Tier 1 Ratio(%) 13.03 13.46 13.97 12.93 12.22
Total Capital Ratio(%) 14.29 14.71 15.22 14.15 13.35
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.47 10.33 9.69 9.33 8.10
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 26,385,754 26,334,229 26,270,174 26,257,761 26,257,761
Avg Diluted Shares(actual) 26,368,622 26,339,085 26,259,223 26,257,761 26,257,761
Basic Book Value per Share 18 17.97 16.60 16.46 16.55
Book Value per Share, As Reported 18 17.97 16.60 NA NA
Basic Tangible Book Value per Share 15.64 15.60 14.37 14.18 14.28
Tangible Book Value per Share, As Reported 15.64 15.60 14.37 NA NA
Common Dividends Declared per Share 0.14 0 0 0 0.30
EPS after Extra 0.17 1.01 0.45 (0.03) 0.61
EPS after Extra Growth(%) (41.40) 124.40 NM NM (59.10)
Core EPS 0.13 0.96 0.73 0.46 0.61
Core EPS Growth(%) (56.10) 30.40 57.90 (24) (60.60)
Diluted EPS before Amortization 0.17 1.01 0.45 (0.03) 0.61
Pre-Provision Earnings per Share 0.25 0.88 1.21 1.08 0.88
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.