Financial Highlights Report
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 1,799,937 1,746,328 1,697,028 1,441,999 1,226,642
Total Net Loans 1,450,555 1,438,426 1,331,296 1,183,072 1,021,942
Total Deposits 1,477,442 1,479,307 1,443,753 1,251,290 1,091,812
Equity Attributable to Parent Company 224,125 226,834 210,296 142,184 127,007
Total Equity 224,125 226,834 210,296 142,184 127,007
Profitability (%)
Net Income($000) 3,572 24,108 24,301 16,403 14,002
Net Income Attributable to Parent($000) 3,572 24,108 24,301 16,403 14,002
ROAA 0.81 1.40 1.53 1.22 1.25
Core ROAA 0.81 1.37 1.53 1.35 1.25
ROAE 6.32 10.88 14.26 12 12.47
ROATCE 6.33 10.92 14.32 12 12.47
Core ROAE 6.32 10.60 14.27 13.18 12.46
Net Interest Margin 3.83 4.11 4.23 4.23 4.18
Reported: Net Interest Margin 3.85 4.11 4.23 4.22 4.18
Efficiency Ratio 56.84 52.82 52.79 51.86 54.93
Noninterest Inc/ Operating Rev 10.90 13.83 13.72 20.14 22.99
Balance Sheet Ratios (%)
Loans/ Deposits 98.21 98.08 92.72 95.10 94.44
Securities/ Assets 7.03 7.22 10.38 10.91 8.65
Total Equity/ Total Assets 12.45 12.99 12.39 9.86 10.35
Tangible Equity/ Tangible Assets 12.41 12.95 12.34 9.86 10.35
Tang Common Equity/ Tang Assets 12.41 12.95 12.34 9.86 10.35
Asset Quality (%)
NPAs/ Assets 0.29 0.19 0.09 0.21 0.36
NPA Excl Restructured/ Assets 0.25 0.15 0.06 0.17 0.19
NPAs & 90+ PD/ Assets 0.29 0.20 0.09 0.21 0.36
NPAs/ Loans & REO 0.35 0.22 0.11 0.26 0.43
Nonaccrual & 90+ & OREO/ Assets 0.25 0.16 0.06 0.17 0.19
NPAs & 90+ PD/ Loans & REO 0.35 0.24 0.11 0.26 0.43
NPA & Loans 90+/ Tangible Common Equity + LLR 2.14 1.47 0.67 2 3.23
NCOs/ Avg Loans 0.17 0.22 0.02 0.08 0.03
Loan Loss Reserves/ Gross Loans 1.14 0.99 0.98 1.02 1.10
Reserves/ NPAs 324.52 444.24 881.92 395.09 253.19
Loan Loss Provision/ NCO 481.06 140.11 427.43 197.94 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 222,477 226,069 210,871 142,370 126,817
Tier 1 Capital($000) 222,477 226,069 210,871 142,370 126,817
Tier 2 Capital($000) 16,966 14,681 13,307 12,345 11,431
Total Capital($000) 239,443 240,750 224,178 154,715 138,248
Total Risk-weighted Assets($000) 1,432,563 1,424,505 1,295,276 1,171,784 1,016,977
Tier 1 Common Capital (CET1) Ratio(%) 15.53 15.87 16.28 12.15 12.47
Tier 1 Ratio(%) 15.53 15.87 16.28 12.15 12.47
Total Capital Ratio(%) 16.71 16.90 17.31 13.20 13.59
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 12.57 13.23 12.60 10.01 10.48
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 15,370,086 15,707,016 15,977,754 13,417,899 13,391,222
Avg Diluted Shares(actual) 15,700,144 16,172,282 14,691,370 13,540,293 12,607,990
Basic Book Value per Share 14.58 14.44 13.16 10.60 9.48
Book Value per Share, As Reported 14.58 14.44 13.16 10.60 9.48
Basic Tangible Book Value per Share 14.53 14.39 13.09 10.60 9.48
Tangible Book Value per Share, As Reported NA NA NA 10.60 9.48
Common Dividends Declared per Share 0.10 0.25 0.12 0.12 0.11
EPS after Extra 0.23 1.49 1.65 1.21 1.11
EPS after Extra Growth(%) (42.50) (9.70) 36.40 9 9
Core EPS 0.23 1.45 1.65 1.33 1.11
Core EPS Growth(%) (42.50) (12.10) 24.20 19.80 9
Diluted EPS before Amortization 0.23 1.49 1.65 1.21 1.11
Pre-Provision Earnings per Share 0.41 1.85 1.93 1.59 1.37
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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