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Financial Highlights Report

Financial Highlights
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
Balance Sheet ($000)
Total Assets 4,023,250 3,008,718 3,000,668 2,988,527 2,979,585
Total Net Loans 2,636,447 1,933,552 1,886,852 1,820,407 1,743,862
Total Deposits 3,275,357 2,436,727 2,458,653 2,428,526 2,442,369
Equity Attributable to Parent Company 557,608 442,701 413,569 414,395 410,316
Total Equity 557,608 442,701 413,569 414,395 410,316
Profitability (%)
Net Income($000) 48,872 46,583 29,131 38,413 30,196
Net Income Attributable to Parent($000) 48,872 46,583 29,131 38,413 30,196
ROAA 1.42 1.57 0.98 1.30 1.01
Core ROAA 1.60 1.46 1.13 1.03 1.03
ROAE 9.83 10.98 6.69 9.26 7.46
ROATCE NA 12.08 7.38 10.28 8.48
Core ROAE 11.06 10.22 7.74 7.34 7.57
Net Interest Margin 4.25 4.32 4.11 4.04 4.04
Reported: Net Interest Margin 4.25 4.32 4.11 4.04 4.04
Efficiency Ratio 55.43 58.86 60.01 61.71 65.11
Noninterest Inc/ Operating Rev 22.58 22.47 23.39 24.56 27.32
Balance Sheet Ratios (%)
Loans/ Deposits NA 80.06 77.39 75.48 71.98
Securities/ Assets 23.23 26.43 27.50 28.91 30.27
Total Equity/ Total Assets 13.86 14.71 13.78 13.87 13.77
Tangible Equity/ Tangible Assets 11.91 13.69 12.74 12.80 12.52
Tang Common Equity/ Tang Assets 11.91 13.69 12.74 12.80 12.52
Asset Quality (%)
NPAs/ Assets NA 0.54 0.74 0.81 0.93
NPA Excl Restructured/ Assets NA 0.42 0.63 0.69 0.76
NPAs & 90+ PD/ Assets NA 0.57 0.78 0.83 0.96
NPAs/ Loans & REO NA 0.83 1.16 1.32 1.57
Nonaccrual & 90+ & OREO/ Assets NA 0.44 0.67 0.71 0.80
NPAs & 90+ PD/ Loans & REO NA 0.87 1.23 1.35 1.62
NPA & Loans 90+/ Tangible Common Equity + LLR NA 3.99 5.88 6.26 7.37
NCOs/ Avg Loans 0.23 0.27 0.22 0.25 0.20
Loan Loss Reserves/ Gross Loans 0.75 1.05 1.04 1.02 1.13
Reserves/ NPAs NA 125.44 90.25 77.28 72.21
Loan Loss Provision/ NCO 90.51 110.06 127.31 73.78 130.81
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 430,600 392,615 392,939 378,957
Tier 1 Capital($000) NA 430,600 392,615 392,939 378,957
Tier 2 Capital($000) NA 20,436 19,910 18,774 19,946
Total Capital($000) NA 451,036 412,525 411,713 398,903
Total Risk-weighted Assets($000) NA 2,330,036 2,307,519 2,258,379 2,149,106
Tier 1 Common Capital (CET1) Ratio(%) NA 18.48 17.01 17.43 17.69
Tier 1 Ratio(%) 15.51 18.48 17.01 17.43 17.69
Total Capital Ratio(%) NA 19.36 17.88 18.26 18.62
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 12.04 14.59 13.31 13.39 12.92
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 13,741,825 12,278,295 12,246,464 12,216,712 12,740,018
Avg Diluted Shares(actual) 12,865,000 12,256,000 12,225,000 12,317,000 12,836,000
Basic Book Value per Share 40.58 36.06 33.77 33.92 32.21
Book Value per Share, As Reported 40.58 36.06 33.77 33.92 32.21
Basic Tangible Book Value per Share 34.08 33.16 30.83 30.94 28.86
Tangible Book Value per Share, As Reported 34.08 33.16 30.83 30.94 28.86
Common Dividends Declared per Share 1.04 1.02 2.51 1 0.98
EPS after Extra 3.80 3.80 2.38 3.12 2.35
EPS after Extra Growth(%) 0 59.70 (23.70) 32.80 (7.80)
Core EPS 4.28 3.54 2.75 2.47 2.39
Core EPS Growth(%) 20.90 28.50 11.30 3.70 (9.30)
Diluted EPS before Amortization NA 3.84 2.42 3.17 2.41
Pre-Provision Earnings per Share 4.52 3.80 2.76 2.57 2.29
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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