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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 5,562,286 5,492,424 5,163,935 4,785,572 4,462,608
Total Net Loans 2,468,090 2,396,534 2,257,035 2,149,689 1,899,527
Total Deposits 4,562,512 4,400,111 4,406,964 3,916,967 3,653,218
Equity Attributable to Parent Company 340,687 332,581 300,439 260,297 240,041
Total Equity 340,687 332,581 300,439 260,297 240,041
Profitability (%)
Net Income($000) 9,666 39,699 36,213 22,301 24,534
Net Income Attributable to Parent($000) 9,666 39,699 36,213 22,301 24,534
ROAA 0.71 0.76 0.74 0.48 0.57
Core ROAA 0.71 0.76 0.74 0.66 0.57
ROAE 11.48 12.44 13.05 8.75 10.80
ROATCE 11.57 12.54 13.18 8.85 10.93
Core ROAE 11.55 12.40 12.98 12.06 10.78
Net Interest Margin 2.10 2.10 2.18 2.25 2.12
Reported: Net Interest Margin 2.11 2.10 2.18 2.25 2.12
Efficiency Ratio 57.35 58.45 59.29 57.82 62.78
Noninterest Inc/ Operating Rev 14.83 16.06 14.75 16.15 17.91
Balance Sheet Ratios (%)
Loans/ Deposits 54.77 55.14 51.86 55.55 52.66
Securities/ Assets 46.78 47.95 46.55 44.33 48.75
Total Equity/ Total Assets 6.12 6.06 5.82 5.44 5.38
Tangible Equity/ Tangible Assets 6.08 6.01 5.77 5.39 5.32
Tang Common Equity/ Tang Assets 6.08 6.01 5.77 5.39 5.32
Asset Quality (%)
NPAs/ Assets 0.07 0.08 0.12 0.09 0.10
NPA Excl Restructured/ Assets 0.03 0.04 0.07 0.04 0.02
NPAs & 90+ PD/ Assets 0.07 0.08 0.12 0.09 0.10
NPAs/ Loans & REO 0.16 0.18 0.27 0.20 0.24
Nonaccrual & 90+ & OREO/ Assets 0.03 0.04 0.07 0.04 0.02
NPAs & 90+ PD/ Loans & REO 0.16 0.18 0.27 0.20 0.24
NPA & Loans 90+/ Tangible Common Equity + LLR 1.09 1.22 1.87 1.56 1.76
NCOs/ Avg Loans (0.02) 0.01 (0.04) 0 0
Loan Loss Reserves/ Gross Loans 1.23 1.22 1.25 1.21 1.27
Reserves/ NPAs 762.85 676.23 468.15 592.26 529.41
Loan Loss Provision/ NCO NM 600.96 NM NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 360,419 351,308 313,816 279,778 249,753
Tier 1 Capital($000) 395,419 386,308 348,816 314,778 280,659
Tier 2 Capital($000) 30,804 29,555 28,543 26,255 24,406
Total Capital($000) 426,223 415,863 377,359 341,033 305,065
Total Risk-weighted Assets($000) 3,036,664 2,976,650 2,771,129 2,613,116 2,398,796
Tier 1 Common Capital (CET1) Ratio(%) 11.87 11.80 11.32 10.71 10.41
Tier 1 Ratio(%) 13.02 12.98 12.59 12.05 11.70
Total Capital Ratio(%) 14.04 13.97 13.62 13.05 12.72
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 7.26 7.25 6.91 6.78 6.28
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 5,567,909 5,567,909 5,567,909 5,567,909 5,567,909
Avg Diluted Shares(actual) 5,567,909 5,567,909 5,567,909 5,567,909 5,567,909
Basic Book Value per Share 61.19 59.73 53.96 46.75 43.11
Book Value per Share, As Reported 61.19 59.73 53.96 46.75 43.11
Basic Tangible Book Value per Share 60.70 59.24 53.47 46.26 42.62
Tangible Book Value per Share, As Reported 60.70 59.24 53.47 46.26 42.62
Common Dividends Declared per Share 0.12 0.48 0.48 0.48 0.48
EPS after Extra 1.74 7.13 6.50 4.01 4.41
EPS after Extra Growth(%) 3 9.70 62.10 (9.10) 6.80
Core EPS 1.75 7.11 6.47 5.52 4.40
Core EPS Growth(%) 4.10 9.90 17.10 25.40 8.40
Diluted EPS before Amortization 1.74 7.13 6.50 4.01 4.41
Pre-Provision Earnings per Share 1.62 5.95 5.52 4.09 2.98
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