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Financial Highlights Report

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 2,879,589 2,449,158 2,328,864 2,159,069 1,966,113
Total Net Loans 2,130,035 1,799,652 1,723,485 1,565,338 1,417,138
Total Deposits 2,439,485 2,008,964 1,799,720 1,604,719 1,524,756
Equity Attributable to Parent Company 331,352 299,309 262,320 242,074 213,216
Total Equity 331,352 299,309 262,320 242,074 213,216
Profitability (%)
Net Income($000) 19,650 35,760 32,569 22,711 20,557
Net Income Attributable to Parent($000) 19,650 35,760 32,569 22,711 20,557
ROAA 1.43 1.50 1.46 1.09 1.07
Core ROAA 1.57 1.55 1.50 1.26 1.13
ROAE 12.74 12.56 13.13 9.92 9.72
ROATCE 15.59 15.24 16.57 12.88 12.88
Core ROAE 13.97 12.96 13.45 11.44 10.25
Net Interest Margin 3.72 3.82 3.87 3.99 4.01
Reported: Net Interest Margin 3.74 3.82 3.87 3.99 4.01
Efficiency Ratio 52.81 56.73 58.22 58.10 61.04
Noninterest Inc/ Operating Rev 26.74 26.12 24.32 24.66 25.19
Balance Sheet Ratios (%)
Loans/ Deposits 87.87 90.17 96.45 98.30 93.63
Securities/ Assets 17.33 18.45 18.08 18.95 19.31
Total Equity/ Total Assets 11.51 12.22 11.26 11.21 10.84
Tangible Equity/ Tangible Assets 9.88 10.67 9.56 9.31 8.75
Tang Common Equity/ Tang Assets 9.88 10.67 9.56 9.31 8.75
Asset Quality (%)
NPAs/ Assets 0.51 0.41 0.53 0.55 0.71
NPA Excl Restructured/ Assets 0.35 0.22 0.29 0.32 0.35
NPAs & 90+ PD/ Assets 0.59 0.45 0.57 0.59 0.80
NPAs/ Loans & REO 0.68 0.56 0.71 0.75 0.98
Nonaccrual & 90+ & OREO/ Assets 0.43 0.26 0.33 0.36 0.44
NPAs & 90+ PD/ Loans & REO 0.79 0.60 0.76 0.81 1.10
NPA & Loans 90+/ Tangible Common Equity + LLR 5.69 4.04 5.71 6.15 8.75
NCOs/ Avg Loans 0.10 0.09 0.11 0.13 0.15
Loan Loss Reserves/ Gross Loans 0.79 0.80 0.78 0.78 0.76
Reserves/ NPAs 116.01 143.52 110.64 104.24 77.64
Loan Loss Provision/ NCO 340.80 157.56 174.11 177.53 193.89
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 260,980 247,395 222,892 199,201 180,475
Tier 1 Capital($000) 270,249 249,701 225,150 201,410 182,635
Tier 2 Capital($000) 16,960 14,487 13,592 12,315 10,852
Total Capital($000) 287,209 264,188 238,742 213,725 193,487
Total Risk-weighted Assets($000) 2,063,083 1,911,862 1,832,993 1,679,396 1,543,868
Tier 1 Common Capital (CET1) Ratio(%) 12.65 12.94 12.16 11.86 11.69
Tier 1 Ratio(%) 13.10 13.03 12.28 11.99 11.83
Total Capital Ratio(%) 13.92 13.82 13.03 12.73 12.53
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.71 10.69 9.91 9.50 9.41
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 28,179,804 27,670,739 27,791,901 27,544,048 27,047,664
Avg Diluted Shares(actual) 28,491,599 27,875,984 27,974,185 27,619,076 27,209,338
Basic Book Value per Share 11.76 10.82 9.44 8.79 7.88
Book Value per Share, As Reported 11.76 10.82 9.44 8.79 7.88
Basic Tangible Book Value per Share 9.92 9.28 7.86 7.14 6.21
Tangible Book Value per Share, As Reported 10.03 9.28 7.86 7.14 6.21
Common Dividends Declared per Share 0.22 0.38 0.30 0.22 0.16
EPS after Extra 0.69 1.28 1.16 0.82 0.76
EPS after Extra Growth(%) 13.10 10.30 41.50 7.90 111.10
Core EPS 0.76 1.32 1.19 0.95 0.80
Core EPS Growth(%) 20.40 11.20 25.60 18 40.20
Diluted EPS before Amortization 0.71 1.33 1.21 0.87 0.81
Pre-Provision Earnings per Share 0.79 1.29 1.15 0.88 0.77
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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