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 6,743,114 6,725,623 6,758,436 6,648,290 6,236,756
Total Net Loans 4,885,418 4,877,658 4,790,529 4,629,349 4,222,278
Total Deposits 5,409,363 5,212,921 4,888,959 4,837,807 4,625,139
Equity Attributable to Parent Company 681,153 661,642 619,459 574,780 547,953
Total Equity 682,597 663,054 620,871 576,202 549,405
Profitability (%)
Net Income($000) 7,986 81,845 82,435 52,622 59,471
Net Income Attributable to Parent($000) 7,949 81,718 82,308 52,494 59,340
ROAA 0.48 1.23 1.23 0.82 1.01
Core ROAA 0.47 1.24 1.25 1.09 1.02
ROAE 4.71 12.57 13.95 9.11 10.87
ROATCE 5.62 14.82 16.83 11.17 13.55
Core ROAE 4.66 12.70 14.20 12.06 11.08
Net Interest Margin 3.42 3.39 3.37 3.41 3.33
Reported: Net Interest Margin 3.44 3.39 3.37 3.41 3.33
Efficiency Ratio 63.09 62.70 61.27 61.19 61.73
Noninterest Inc/ Operating Rev 25.90 26.07 26.14 25.69 27.29
Balance Sheet Ratios (%)
Loans/ Deposits 91.26 94.32 98.82 96.51 92.06
Securities/ Assets 20.44 19.83 22.59 23.80 25.92
Total Equity/ Total Assets 10.12 9.86 9.19 8.67 8.81
Tangible Equity/ Tangible Assets 8.80 8.53 7.84 7.26 7.27
Tang Common Equity/ Tang Assets 8.78 8.51 7.81 7.24 7.25
Asset Quality (%)
NPAs/ Assets 0.46 0.46 0.40 0.36 0.36
NPA Excl Restructured/ Assets 0.36 0.35 0.33 0.31 0.31
NPAs & 90+ PD/ Assets 0.46 0.47 0.42 0.38 0.40
NPAs/ Loans & REO 0.63 0.63 0.56 0.52 0.53
Nonaccrual & 90+ & OREO/ Assets 0.36 0.36 0.35 0.33 0.35
NPAs & 90+ PD/ Loans & REO 0.63 0.64 0.59 0.54 0.59
NPA & Loans 90+/ Tangible Common Equity + LLR 4.91 5.22 5.02 4.95 5.22
NCOs/ Avg Loans 0.10 0.10 0.01 0 0.01
Loan Loss Reserves/ Gross Loans 1.06 0.81 0.90 0.85 0.84
Reserves/ NPAs 167.92 129.19 160.86 164 158.68
Loan Loss Provision/ NCO NM 27.97 NM NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 607,142 607,290 583,458 526,822 486,006
Tier 1 Capital($000) 624,220 624,325 600,321 543,514 523,687
Tier 2 Capital($000) 53,526 41,781 45,570 41,499 37,584
Total Capital($000) 677,746 666,106 645,891 585,013 561,271
Total Risk-weighted Assets($000) 4,974,950 4,924,180 4,928,573 4,768,348 4,419,002
Tier 1 Common Capital (CET1) Ratio(%) 12.20 12.33 11.84 11.05 11
Tier 1 Ratio(%) 12.55 12.68 12.18 11.40 11.85
Total Capital Ratio(%) 13.62 13.53 13.11 12.27 12.70
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.53 9.61 9.05 8.43 8.77
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 14,907,947 14,978,589 15,312,377 15,265,614 15,135,906
Avg Diluted Shares(actual) 14,774,269 14,973,951 15,132,257 15,073,255 14,936,231
Basic Book Value per Share 45.69 44.17 40.45 37.65 36.20
Book Value per Share, As Reported 45.69 44.17 40.45 37.65 36.20
Basic Tangible Book Value per Share 39.15 37.64 33.98 31.04 29.38
Tangible Book Value per Share, As Reported 39.15 37.64 33.98 31.04 29.38
Common Dividends Declared per Share 0.52 2.02 1.94 1.82 1.77
EPS after Extra 0.53 5.37 5.35 3.43 3.91
EPS after Extra Growth(%) (61.30) 0.40 56 (12.30) 1
Core EPS 0.52 5.41 5.44 4.55 3.98
Core EPS Growth(%) (61.60) (0.40) 19.60 14.30 9.30
Diluted EPS before Amortization 0.56 5.48 5.47 3.56 4.05
Pre-Provision Earnings per Share 1.36 5.37 5.55 4.27 3.86
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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