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Financial Highlights

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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 9,799,670 8,988,719 8,389,137 7,479,029 6,890,096
Total Net Loans 7,981,398 7,528,797 6,940,757 6,371,866 5,670,448
Total Deposits 7,935,972 7,224,391 6,974,285 5,853,984 5,716,114
Equity Attributable to Parent Company 1,187,895 1,190,681 1,108,941 950,438 842,799
Total Equity 1,187,895 1,190,681 1,108,941 950,438 842,799
Profitability (%)
Net Income($000) 51,979 142,943 152,276 100,232 97,707
Net Income Attributable to Parent($000) 51,979 142,943 152,276 100,232 97,707
ROAA 1.05 1.61 1.91 1.41 1.52
Core ROAA 1.14 1.67 1.92 1.61 1.52
ROATCE 9.62 13.45 16.69 12.59 14.30
Net Interest Margin 3.37 3.80 4.12 4.17 4.19
Reported: Net Interest Margin 3.36 3.77 4.10 4.15 4.16
Efficiency Ratio 36.51 37.73 36.90 37.67 39.63
Noninterest Inc/ Operating Rev 9.25 6.94 6.62 8.96 8.96
Balance Sheet Ratios (%)
Loans/ Deposits 101.08 104.45 100.25 109.52 99.33
Securities/ Assets 8.29 9.77 9.63 8.36 8.12
Total Equity/ Total Assets 12.12 13.25 13.22 12.71 12.23
Tangible Equity/ Tangible Assets 11.18 12.23 12.11 11.45 10.85
Tang Common Equity/ Tang Assets 11.18 12.23 12.11 11.45 10.85
Asset Quality (%)
NPAs/ Assets 0.73 0.73 0.48 0.34 0.41
NPA Excl Restructured/ Assets 0.60 0.54 0.19 0.18 0.30
NPAs & 90+ PD/ Assets 0.73 0.73 0.48 0.34 0.41
NPAs/ Loans & REO 0.88 0.86 0.57 0.40 0.50
Nonaccrual & 90+ & OREO/ Assets 0.60 0.54 0.19 0.18 0.30
NPAs & 90+ PD/ Loans & REO 0.88 0.86 0.57 0.40 0.50
NPA & Loans 90+/ Tangible Common Equity + LLR 5.97 5.63 3.75 2.81 3.58
NCOs/ Avg Loans 0.24 0.13 0.05 0.06 0.09
Loan Loss Reserves/ Gross Loans 1.34 0.97 1 1.01 1.03
Reserves/ NPAs 152.73 112.79 173.55 253.19 207.33
Loan Loss Provision/ NCO 395.30 139.61 249.28 272.92 229.19
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,085,861 1,082,516 1,007,438 845,123 737,512
Tier 1 Capital($000) 1,085,861 1,082,516 1,007,438 845,123 737,512
Tier 2 Capital($000) 293,610 279,737 289,989 284,831 279,200
Total Capital($000) 1,379,471 1,362,253 1,297,427 1,129,954 1,016,712
Total Risk-weighted Assets($000) 8,483,289 8,409,528 8,067,249 7,525,159 6,827,226
Tier 1 Common Capital (CET1) Ratio(%) 12.80 12.87 12.49 11.23 10.80
Tier 1 Ratio(%) 12.80 12.87 12.49 11.23 10.80
Total Capital Ratio(%) 16.26 16.20 16.08 15.02 14.89
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.63 11.62 12.10 11.45 10.72
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 32,224,756 33,241,496 34,387,919 34,185,163 34,023,850
Avg Diluted Shares(actual) 32,560,742 34,210,646 34,443,040 34,320,639 34,181,616
Basic Book Value per Share 36.86 35.82 32.25 27.80 24.77
Book Value per Share, As Reported 36.86 35.82 32.25 27.80 24.77
Basic Tangible Book Value per Share 33.62 32.68 29.18 24.70 21.63
Tangible Book Value per Share, As Reported 33.62 32.67 29.17 24.68 21.61
EPS after Extra 1.60 4.18 4.42 2.92 2.86
EPS after Extra Growth(%) (22) (5.40) 51.40 2.10 14.40
Core EPS 1.74 4.33 4.44 3.33 2.86
Core EPS Growth(%) (19.90) (2.60) 33.50 16.30 15.20
Diluted EPS before Amortization 1.60 4.20 4.45 2.94 2.90
Pre-Provision Earnings per Share 2.73 4.98 4.88 3.65 3.22
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.