Financial Highlights Report
Financial Highlights
2019 FQ3 YTD
9/30/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
Balance Sheet ($000)
Total Assets 1,699,446 1,697,028 1,441,999 1,226,642 1,042,517
Total Net Loans 1,378,319 1,331,296 1,183,072 1,021,942 836,965
Total Deposits 1,432,262 1,443,753 1,251,290 1,091,812 939,439
Equity Attributable to Parent Company 224,643 210,296 142,184 127,007 98,040
Total Equity 224,643 210,296 142,184 127,007 98,040
Profitability (%)
Net Income($000) 19,950 24,301 16,403 14,002 12,186
Net Income Attributable to Parent($000) 19,950 24,301 16,403 14,002 12,186
ROAA 1.54 1.53 1.22 1.25 1.25
Core ROAA 1.54 1.53 1.35 1.25 1.25
ROAE 12.11 14.26 12 12.47 13.10
ROATCE 12.16 14.32 12 12.47 13.10
Core ROAE 12.11 14.27 13.18 12.46 13.10
Net Interest Margin 4.15 4.23 4.23 4.18 3.89
Reported: Net Interest Margin 4.16 4.23 4.22 4.18 3.89
Efficiency Ratio 52.85 52.79 51.86 54.93 56.85
Noninterest Inc/ Operating Rev 13.63 13.72 20.14 22.99 25.65
Balance Sheet Ratios (%)
Loans/ Deposits 97.04 92.72 95.10 94.44 89.88
Securities/ Assets 9.68 10.38 10.91 8.65 10.27
Total Equity/ Total Assets 13.22 12.39 9.86 10.35 9.40
Tangible Equity/ Tangible Assets 13.17 12.34 9.86 10.35 9.40
Tang Common Equity/ Tang Assets 13.17 12.34 9.86 10.35 9.40
Asset Quality (%)
NPAs/ Assets 0.15 0.09 0.21 0.36 0.46
NPA Excl Restructured/ Assets 0.11 0.06 0.17 0.19 0.22
NPAs & 90+ PD/ Assets 0.15 0.09 0.21 0.36 0.46
NPAs/ Loans & REO 0.18 0.11 0.26 0.43 0.56
Nonaccrual & 90+ & OREO/ Assets 0.11 0.06 0.17 0.19 0.22
NPAs & 90+ PD/ Loans & REO 0.18 0.11 0.26 0.43 0.56
NPA & Loans 90+/ Tangible Common Equity + LLR 1.08 0.67 2 3.23 4.45
NCOs/ Avg Loans 0.03 0.02 0.08 0.03 0.06
Loan Loss Reserves/ Gross Loans 0.94 0.98 1.02 1.10 1.10
Reserves/ NPAs 512.28 881.92 395.09 253.19 195.46
Loan Loss Provision/ NCO 73.93 427.43 197.94 NM 82.40
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 223,130 210,871 142,370 126,817 97,995
Tier 1 Capital($000) 223,130 210,871 142,370 126,817 97,995
Tier 2 Capital($000) 13,240 13,307 12,345 11,431 9,447
Total Capital($000) 236,370 224,178 154,715 138,248 107,442
Total Risk-weighted Assets($000) 1,368,896 1,295,276 1,171,784 1,016,977 799,307
Tier 1 Common Capital (CET1) Ratio(%) 16.30 16.28 12.15 12.47 12.26
Tier 1 Ratio(%) 16.30 16.28 12.15 12.47 12.26
Total Capital Ratio(%) 17.27 17.31 13.20 13.59 13.44
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 12.87 12.60 10.01 10.48 9.40
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 15,710,287 15,977,754 13,417,899 13,391,222 11,865,145
Avg Diluted Shares(actual) 16,231,848 14,691,370 13,540,293 12,607,990 11,929,503
Basic Book Value per Share 14.30 13.16 10.60 9.48 8.26
Book Value per Share, As Reported 14.30 13.16 10.60 9.48 8.26
Basic Tangible Book Value per Share 14.24 13.09 10.60 9.48 8.26
Tangible Book Value per Share, As Reported 14.30 13.16 10.60 9.48 8.26
Common Dividends Declared per Share 0.17 0.12 0.12 0.11 0.07
EPS after Extra 1.23 1.65 1.21 1.11 1.02
EPS after Extra Growth(%) (1.60) 36.40 9 9 1.80
Core EPS 1.23 1.65 1.33 1.11 1.02
Core EPS Growth(%) (1.60) 24.20 19.80 9 1.70
Diluted EPS before Amortization 1.23 1.65 1.21 1.11 1.02
Pre-Provision Earnings per Share 1.39 1.93 1.59 1.37 1.17
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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