Financial Highlights
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 4,314,379 3,632,915 3,363,907 3,286,704 3,082,571
Total Net Loans 3,300,810 2,832,778 2,730,705 2,539,051 2,360,659
Total Deposits 3,262,280 2,690,384 2,463,708 2,522,365 2,374,985
Equity Attributable to Parent Company 425,221 416,561 375,249 365,870 340,811
Total Equity 425,221 416,561 375,249 365,870 340,811
Profitability (%)
Net Income($000) 19,370 49,456 42,024 31,274 31,913
Net Income Attributable to Parent($000) 19,370 49,456 42,024 31,274 31,913
ROAA 1 1.39 1.28 1 1.07
Core ROAA 1.03 1.35 1.33 1.06 1.07
ROAE 9.20 12.52 11.33 8.82 9.35
ROATCE 10.86 14.91 13.86 11.07 11.99
Core ROAE 9.49 12.18 11.75 9.39 9.33
Net Interest Margin 3.37 3.75 3.96 3.79 3.86
Reported: Net Interest Margin 3.38 3.75 3.96 3.79 3.86
Efficiency Ratio 58.02 59.22 60.52 60.57 59.96
Noninterest Inc/ Operating Rev 22.36 15.87 13.62 13.89 14.60
Balance Sheet Ratios (%)
Loans/ Deposits 100.91 106 111.70 101.33 100.11
Securities/ Assets 7.55 9.71 10.51 10.61 10.97
Total Equity/ Total Assets 9.86 11.47 11.16 11.13 11.06
Tangible Equity/ Tangible Assets 8.74 10.15 9.68 9.56 9.31
Tang Common Equity/ Tang Assets 8.74 10.15 9.68 9.56 9.31
Asset Quality (%)
NPAs/ Assets 0.45 0.40 0.72 0.47 0.61
NPA Excl Restructured/ Assets 0.08 0.08 0.15 0.29 0.21
NPAs & 90+ PD/ Assets 0.45 0.40 0.72 0.47 0.61
NPAs/ Loans & REO 0.58 0.51 0.88 0.61 0.79
Nonaccrual & 90+ & OREO/ Assets 0.08 0.08 0.15 0.29 0.21
NPAs & 90+ PD/ Loans & REO 0.58 0.51 0.88 0.61 0.79
NPA & Loans 90+/ Tangible Common Equity + LLR 4.80 3.75 7.06 4.73 6.31
NCOs/ Avg Loans 0 0.01 (0.07) 0.06 0.03
Loan Loss Reserves/ Gross Loans 0.97 0.84 0.81 0.76 0.76
Reserves/ NPAs 165.98 164.48 92.57 125.56 95.09
Loan Loss Provision/ NCO NM NM NM 209.22 467.74
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 367,379 360,342 329,596 316,472 293,555
Tier 1 Capital($000) 412,526 405,148 373,721 359,047 336,316
Tier 2 Capital($000) 32,246 23,890 22,381 19,501 17,962
Total Capital($000) 444,772 429,038 396,102 378,548 354,278
Total Risk-weighted Assets($000) 3,238,444 3,276,754 3,167,655 2,946,527 2,697,727
Tier 1 Common Capital (CET1) Ratio(%) 11.34 11 10.41 10.71 10.88
Tier 1 Ratio(%) 12.74 12.36 11.80 12.19 12.47
Total Capital Ratio(%) 13.73 13.09 12.50 12.85 13.13
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.21 11.28 11.41 11.24 11.17
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 16,230,649 16,425,136 16,534,256 16,592,125 16,416,695
Avg Diluted Shares(actual) 16,282,341 16,409,135 16,606,416 16,489,070 16,310,730
Basic Book Value per Share 26.20 25.36 22.70 22.05 20.76
Book Value per Share, As Reported 26.20 25.36 22.70 22.05 20.76
Basic Tangible Book Value per Share 22.96 22.12 19.37 18.61 17.14
Tangible Book Value per Share, As Reported 22.96 22.12 19.37 18.61 17.14
Common Dividends Declared per Share 0.56 1.06 1.68 0.74 1.16
EPS after Extra 1.19 3.01 2.53 1.90 1.96
EPS after Extra Growth(%) (16.80) 19 33.20 (3.10) 21
Core EPS 1.23 2.93 2.62 2.02 1.96
Core EPS Growth(%) (7.20) 11.60 29.70 3.40 10.80
Diluted EPS before Amortization 1.24 3.11 2.65 2.04 2.12
Pre-Provision Earnings per Share 1.57 2.82 2.51 1.88 1.88
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.