Investor Relations

Financial Highlights

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 8,719,291 8,558,377 7,804,308 7,537,620 7,467,586
Total Net Loans 6,461,016 6,444,725 5,640,620 5,322,495 5,221,233
Total Deposits 7,290,133 7,052,612 6,260,860 5,817,326 5,521,956
Equity Attributable to Parent Company 981,877 969,014 832,506 756,101 742,240
Total Equity 981,877 969,014 832,506 756,101 742,240
Profitability (%)
Net Income($000) 22,372 102,700 110,387 84,242 86,135
Net Income Attributable to Parent($000) 22,372 102,700 110,387 84,242 86,135
ROAA 1.05 1.21 1.45 1.09 1.16
Core ROAA 1.13 1.29 1.46 1.06 1.21
ROAE 9.26 11.14 14.08 11.15 11.68
ROATCE 11.46 13.60 15.97 12.33 12.94
Core ROAE 9.95 11.89 14.16 10.89 12.16
Net Interest Margin 3.97 3.89 3.84 3.48 3.52
Reported: Net Interest Margin 3.93 3.89 3.84 3.48 3.52
Efficiency Ratio 64.92 63.73 60.53 61.28 61.08
Noninterest Inc/ Operating Rev 23.67 23.75 25.70 25.43 25.91
Balance Sheet Ratios (%)
Loans/ Deposits 89.14 92.01 90.85 92.28 95.28
Securities/ Assets 14.37 14.95 18.30 20.07 21.16
Total Equity/ Total Assets 11.26 11.32 10.67 10.03 9.94
Tangible Equity/ Tangible Assets 9.49 9.51 9.28 9.16 9.06
Tang Common Equity/ Tang Assets 9.49 9.51 9.28 9.16 9.06
Asset Quality (%)
NPAs/ Assets 1.43 1.39 1.16 1.48 1.61
NPA Excl Restructured/ Assets 1.12 1.14 0.97 1.21 1.36
NPAs & 90+ PD/ Assets 1.45 1.42 1.19 1.50 1.63
NPAs/ Loans & REO 1.91 1.83 1.59 2.06 2.27
Nonaccrual & 90+ & OREO/ Assets 1.14 1.17 1 1.23 1.39
NPAs & 90+ PD/ Loans & REO 1.94 1.87 1.63 2.10 2.31
NPA & Loans 90+/ Tangible Common Equity + LLR 14.49 14.23 12.19 15.40 16.93
NCOs/ Avg Loans 0.02 0.02 0.12 0.17 0.02
Loan Loss Reserves/ Gross Loans 0.94 0.87 0.90 0.93 0.96
Reserves/ NPAs 49.31 47.66 56.67 44.95 42.21
Loan Loss Provision/ NCO NM 614.64 123.73 93.08 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 801,527 805,312 759,369 710,221 687,651
Tier 1 Capital($000) 816,527 820,312 774,369 725,221 702,651
Tier 2 Capital($000) 61,613 56,796 51,637 50,646 81,755
Total Capital($000) 878,140 877,108 826,006 775,867 784,406
Total Risk-weighted Assets($000) 7,001,181 6,652,110 5,821,656 5,487,257 5,360,462
Tier 1 Common Capital (CET1) Ratio(%) 11.45 12.11 13.04 12.94 12.83
Tier 1 Ratio(%) 11.66 12.33 13.30 13.22 13.11
Total Capital Ratio(%) 12.54 13.19 14.19 14.14 14.63
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.61 9.64 10.04 9.44 9.56
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 16,295,461 16,346,442 15,698,178 15,288,194 15,340,718
Avg Diluted Shares(actual) 16,425,881 16,329,456 15,611,489 15,390,352 15,405,160
Basic Book Value per Share 60.25 59.28 53.03 49.46 48.38
Book Value per Share, As Reported 60.25 59.28 53.03 49.46 48.38
Basic Tangible Book Value per Share 49.79 48.81 45.41 44.73 43.67
Tangible Book Value per Share, As Reported 49.79 48.81 45.41 44.73 43.67
Common Dividends Declared per Share 1.22 4.24 4.07 3.76 3.76
EPS after Extra 1.36 6.29 7.07 5.47 5.59
EPS after Extra Growth(%) (14.70) (11) 29.30 (2.10) 6.30
Core EPS 1.46 6.72 7.11 5.35 5.82
Core EPS Growth(%) (4.90) (5.60) 33 (8.20) 12
Diluted EPS before Amortization 1.40 6.43 7.11 5.47 5.59
Pre-Provision Earnings per Share 1.63 6.65 7.06 5.21 5.20
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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