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Financial Highlights Report

Financial Highlights
2020 FQ3 YTD
9/30/2020
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 4,389,996 4,023,250 3,008,718 3,000,668 2,988,527
Total Net Loans 2,726,533 2,636,447 1,933,552 1,886,852 1,820,407
Total Deposits 3,604,353 3,275,357 2,436,727 2,458,653 2,428,526
Equity Attributable to Parent Company 607,095 557,608 442,701 413,569 414,395
Total Equity 607,095 557,608 442,701 413,569 414,395
COVID-19 Financial Disclosure
Paycheck Protection Program Loan($000) NA NA NA NA NA
PPP Loan Ratio(%) NA NA NA NA NA
COVID-19 Loan Modification($000) NA NA NA NA NA
COVID-19 Loan Modification Ratio(%) NA NA NA NA NA
Processing Fees on PPP Loans($000) NA NA NA NA NA
Profitability (%)
Net Income($000) 38,105 48,872 46,583 29,131 38,413
Net Income Attributable to Parent($000) 38,105 48,872 46,583 29,131 38,413
ROAA 1.20 1.42 1.57 0.98 1.30
Core ROAA 1.22 1.52 1.46 1.13 1.03
ROAE 8.64 9.83 10.98 6.69 9.26
ROATCE 10.43 11.21 12.08 7.38 10.28
Core ROAE 8.82 10.49 10.22 7.74 7.34
Net Interest Margin 4.03 4.25 4.32 4.11 4.04
Reported: Net Interest Margin 4.03 4.25 4.32 4.11 4.04
Efficiency Ratio 56.77 57.50 58.86 60.01 61.71
Noninterest Inc/ Operating Rev 21.35 22.60 22.47 23.39 24.56
Balance Sheet Ratios (%)
Loans/ Deposits 76 80.92 80.06 77.39 75.48
Securities/ Assets 22.12 23.42 26.43 27.50 28.91
Total Equity/ Total Assets 13.83 13.86 14.71 13.78 13.87
Tangible Equity/ Tangible Assets 12.07 11.91 13.69 12.74 12.80
Tang Common Equity/ Tang Assets 12.07 11.91 13.69 12.74 12.80
Asset Quality (%)
NPAs/ Assets 0.55 0.43 0.54 0.74 0.81
NPA Excl Restructured/ Assets 0.48 0.35 0.42 0.63 0.69
NPAs & 90+ PD/ Assets 0.62 0.47 0.57 0.78 0.83
NPAs/ Loans & REO 0.88 0.65 0.83 1.16 1.32
Nonaccrual & 90+ & OREO/ Assets 0.55 0.39 0.44 0.67 0.71
NPAs & 90+ PD/ Loans & REO 0.98 0.71 0.87 1.23 1.35
NPA & Loans 90+/ Tangible Common Equity + LLR 4.97 3.88 3.99 5.88 6.26
NCOs/ Avg Loans 0.15 0.23 0.27 0.22 0.25
Loan Loss Reserves/ Gross Loans 0.98 0.75 1.05 1.04 1.02
Reserves/ NPAs 111.45 114.92 125.44 90.25 77.28
Loan Loss Provision/ NCO 329.09 90.51 110.06 127.31 73.78
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 506,976 475,874 430,600 392,615 392,939
Tier 1 Capital($000) 506,976 475,874 430,600 392,615 392,939
Tier 2 Capital($000) 26,960 19,943 20,436 19,910 18,774
Total Capital($000) 533,936 495,817 451,036 412,525 411,713
Total Risk-weighted Assets($000) 3,228,685 3,067,650 2,330,036 2,307,519 2,258,379
Tier 1 Common Capital (CET1) Ratio(%) 15.70 15.51 18.48 17.01 17.43
Tier 1 Ratio(%) 15.70 15.51 18.48 17.01 17.43
Total Capital Ratio(%) 16.54 16.16 19.36 17.88 18.26
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.81 12.04 14.59 13.31 13.39
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 13,714,524 13,741,825 12,278,295 12,246,464 12,216,712
Avg Diluted Shares(actual) 13,723,000 12,865,000 12,256,000 12,225,000 12,317,000
Basic Book Value per Share 44.27 40.58 36.06 33.77 33.92
Book Value per Share, As Reported 44.27 40.58 36.06 33.77 33.92
Basic Tangible Book Value per Share 37.85 34.08 33.16 30.83 30.94
Tangible Book Value per Share, As Reported 37.85 34.08 33.16 30.83 30.94
Common Dividends Declared per Share 0.52 1.04 1.02 2.51 1
EPS after Extra 2.78 3.80 3.80 2.38 3.12
EPS after Extra Growth(%) 1.50 0 59.70 (23.70) 32.80
Core EPS 2.84 4.06 3.54 2.75 2.47
Core EPS Growth(%) (3.50) 14.70 28.50 11.30 3.70
Diluted EPS before Amortization 2.87 3.87 3.84 2.42 3.17
Pre-Provision Earnings per Share 3.26 4.24 3.80 2.76 2.57
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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