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
Interest Income 66,670 278,956 256,998 234,585 220,997
Interest Expense 25,844 117,016 89,592 61,478 53,911
Net Interest Income 40,826 161,940 167,406 173,107 167,086
FTE Net Interest Income 40,968 162,482 168,301 174,101 NA
Provision for Loan Losses 7,178 2,811 575 9,861 0
Trading Account Income 0 0 0 0 0
Foreign Exchange Income 0 0 0 0 0
Trust Revenue 0 0 0 0 0
Service Charges on Deposits 304 1,258 1,169 1,054 1,008
Gain on Sale of Loans (FAS 140) 42 870 168 603 584
Loan Fees & Charges 798 3,723 4,030 4,156 3,758
Bank-owned Life Insurance Revenue 943 3,534 3,099 3,227 2,797
Insurance Revenue 0 0 0 0 0
Investment Banking & Brokerage 0 0 0 0 0
Other Noninterest Income (4,914) (1,631) (348) 103 (613)
Total Noninterest Income (2,827) 7,754 8,118 9,143 7,534
Realized Gain on Securities (37) (15) (1,920) (186) 1,524
Nonrecurring Revenue 0 1,732 4,139 1,405 48,478
Compensation & Benefits 18,620 67,765 64,060 62,087 60,825
Occupancy & Equipment 4,376 17,258 15,871 15,241 14,298
Marketing and Promotion Expense 590 2,181 2,216 2,403 2,410
Professional Fees 2,862 8,358 8,360 7,500 7,720
Tech & Communications Expense 1,891 6,912 6,637 6,261 5,373
Amrt of Intang & Goodwill Impair 0 0 0 0 0
Foreclosure & Repo (133) 204 (121) 354 3,308
Other Expense 3,245 10,546 14,011 13,628 14,313
Total Noninterest Expense 31,451 113,224 111,034 107,474 108,247
Nonrecurring Expense 929 2,045 649 0 10,356
Pre-Provision Net Revenue 6,690 57,012 65,385 75,770 66,373
Non-FTE Pre-Provision Net Revenue 6,548 56,470 64,490 74,776 66,373
Net Income before Taxes (1,596) 53,331 65,485 66,134 106,019
Provision for Taxes (206) 12,052 10,395 25,013 41,103
Effective Tax Rate(%) NM 22.60 15.87 37.82 38.77
Min Int & Oth after-tax Items 0 0 0 0 0
Extraordinary Items 0 0 0 0 0
Net Income (1,390) 41,279 55,090 41,121 64,916
Net Income Attributable to Noncontrolling Int 0 0 0 0 0
Net Income Attributable to Parent (1,390) 41,279 55,090 41,121 64,916
Preferred Dividends 0 0 0 0 0
Other Preferred Dividends after Net Income 0 0 0 0 0
Other Changes to Net Income 0 0 0 0 0
Net Income Avail to Common (1,390) 41,279 55,090 41,121 64,916
Net Income for Diluted EPS (1,390) 41,279 55,090 41,121 64,916
EPS after Extra($) (0.05) 1.44 1.92 1.41 2.24
EPS after Extra Growth(%) NM (25) 36.20 (37.10) 40.90
Pre-Provision Earnings per Share($) 0.19 1.56 1.78 1.67 1.49
Comprehensive Income
Net Income (1,390) 41,279 55,090 41,121 64,916
Preferred Dividend Adjustment to Comprehensive Inc 0 0 0 0 0
Total Other Comprehensive Income (22,633) 2,945 (2,472) (624) (2,800)
Comprehensive Income (24,023) 44,224 52,618 40,497 62,116
Interest Income Earned On:
Interest Earned on Loans 61,109 251,744 232,719 209,283 195,125
Int Inc: Securities 5,413 26,150 23,984 25,770 25,622
Int Inc: Other Earn Assets 290 1,604 1,190 526 250
Int Inc: Secs & Oth Earn Assets 5,703 27,754 25,174 26,296 25,872
Int Inc: Total Earn Assets 66,812 279,498 257,893 235,579 220,997
Interest Expense Incurred On:
Int Exp: CDs 6,767 35,078 28,310 20,579 20,536
Int Exp: Other Deposits 12,011 52,979 36,187 19,740 12,814
Int Exp: Total Deposits 18,778 88,057 64,497 40,319 33,350
Int Exp: Debt 7,066 28,959 25,095 21,159 20,561
Int Exp: Total Int-bearing Liab 25,844 117,016 89,592 61,478 53,911
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.