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Financial Highlights and Ratios

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 8,084,013 7,108,511 6,747,659 5,810,129 4,680,932
Total Net Loans 5,735,745 5,183,279 4,804,664 3,814,561 2,871,468
Total Deposits 6,666,783 5,584,753 5,177,240 4,592,720 3,523,245
Equity Attributable to Parent Company 1,030,499 985,535 864,267 689,664 435,397
Total Equity 1,030,603 985,639 864,267 689,664 435,397
Profitability (%)
Net Income($000) 25,789 98,739 67,275 42,865 29,202
Net Income Attributable to Parent($000) 25,789 98,739 67,275 42,865 29,202
ROAA 0.69 1.45 1.11 0.82 0.69
Core ROAA 0.83 1.52 1.31 1.06 0.94
ROAE 5.14 10.63 9.08 7.51 7.06
ROATCE 7.24 14.72 12.47 9.77 8.98
Core ROAE 6.21 11.19 10.67 9.67 9.54
Net Interest Margin 3.79 3.92 3.85 3.73 3.64
Reported: Net Interest Margin 3.81 3.92 3.85 3.73 3.63
Efficiency Ratio 51.94 51.06 56.35 58.88 64.65
Noninterest Inc/Operating Rev 17.90 18.30 19.23 19.69 20.94
Balance Sheet Ratios (%)
Loans/Deposits 86.58 93.08 93.20 83.12 81.73
Securities/Assets 15.63 17.94 19.14 24.49 29.40
Total Equity/Total Assets 12.75 13.87 12.81 11.87 9.30
Tangible Equity/Tangible Assets 10.22 11.07 9.74 9.27 7.74
Tang Common Equity/Tang Assets 10.22 11.07 9.74 9.27 7.74
Asset Quality (%)
NPAs/Assets 0.70 0.71 0.78 0.74 0.98
NPA Excl Restructured/Assets 0.57 0.55 0.58 0.47 0.60
NPAs & 90+ PD/Assets 0.71 0.71 0.79 0.74 0.98
NPAs/Loans & REO 0.96 0.96 1.09 1.11 1.57
Nonaccrual & 90+ & OREO/Assets 0.58 0.56 0.59 0.47 0.60
NPAs & 90+ PD/Loans & REO 0.98 0.97 1.10 1.11 1.57
NPA & Loans 90+/Tangible Common Equity + LLR 6.41 6.34 7.97 7.76 12.05
NCOs/Avg Loans 0.10 0.17 0.16 0.06 (0.07)
Loan Loss Reserves/Gross Loans 1.57 0.67 0.67 0.71 0.81
Reserves/NPAs 162.26 69.69 61.61 63.48 51.17
Loan Loss Provision/NCO NM 133.03 182.45 293.25 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 811,787 754,555 641,340 523,832 351,769
Tier 1 Capital($000) 883,014 825,640 712,144 592,562 408,596
Tier 2 Capital($000) 62,144 35,294 32,543 27,184 23,462
Total Capital($000) 945,158 860,934 744,687 619,746 432,058
Total Risk-weighted Assets($000) 5,368,697 5,481,325 5,159,431 4,352,390 3,259,871
Tier 1 Common Capital (CET1) Ratio(%) 15.12 13.77 12.43 12.04 10.79
Tier 1 Ratio(%) 16.45 15.06 13.80 13.61 12.53
Total Capital Ratio(%) 17.60 15.71 14.43 14.24 13.25
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.47 12.20 11.16 10.68 9.15
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 52,990,655 51,513,733 51,361,079 46,917,735 38,021,835
Avg Diluted Shares(actual) 52,807,000 52,029,000 48,748,000 43,350,314 37,508,046
Basic Book Value per Share 19.45 19.13 16.83 14.70 11.45
Book Value per Share, As Reported 19.45 19.13 16.83 14.70 11.45
Basic Tangible Book Value per Share 15.15 14.79 12.36 11.15 9.37
Tangible Book Value per Share, As Reported 15.11 14.76 12.33 11.15 9.37
Common Dividends Declared per Share 0 0 0 0 0
EPS after Extra 0.49 1.90 1.38 0.99 0.78
EPS after Extra Growth(%) (44.30) 37.70 39.40 26.90 18.20
Core EPS 0.59 2 1.62 1.27 1.05
Core EPS Growth(%) (38.50) 23.30 27.40 20.70 37.10
Diluted EPS before Amortization 0.55 2.01 1.47 1.07 0.85
Pre-Provision Earnings per Share 1.11 2.13 1.78 1.31 1.04
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.