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
Balance Sheet ($000)
Total Assets 7,245,410 7,017,776 6,834,176 6,299,274 6,058,487
Total Net Loans 5,903,990 5,750,455 5,530,539 5,156,648 4,813,464
Total Deposits 4,901,486 5,066,424 4,960,784 4,383,278 4,205,631
Equity Attributable to Parent Company 549,683 579,672 549,464 532,608 513,853
Total Equity 549,683 579,672 549,464 532,608 513,853
Profitability (%)
Net Income($000) (1,390) 41,279 55,090 41,121 64,916
Net Income Attributable to Parent($000) (1,390) 41,279 55,090 41,121 64,916
ROAA (0.08) 0.59 0.85 0.66 1.10
Core ROAA (0.04) 0.60 0.83 0.71 0.66
ROAE (0.96) 7.35 10.30 7.75 13.07
ROATCE (0.99) 7.57 10.63 8 13.50
Core ROAE (0.43) 7.40 10.07 8.32 7.88
Net Interest Margin 2.44 2.47 2.72 2.94 2.97
Reported: Net Interest Margin 2.44 2.47 2.72 2.94 2.97
Efficiency Ratio 82.81 66.39 63.01 58.46 60.10
Noninterest Inc/ Operating Rev (7.44) 4.57 4.63 5.02 4.31
Balance Sheet Ratios (%)
Loans/ Deposits 121.03 113.93 111.91 118.11 114.98
Securities/ Assets 11.72 12.68 13.36 13.18 15.83
Total Equity/ Total Assets 7.59 8.26 8.04 8.46 8.48
Tangible Equity/ Tangible Assets 7.38 8.05 7.82 8.22 8.24
Tang Common Equity/ Tang Assets 7.38 8.05 7.82 8.22 8.24
Asset Quality (%)
NPAs/ Assets 0.28 0.24 0.30 0.37 0.64
NPA Excl Restructured/ Assets 0.23 0.19 0.24 0.25 0.36
NPAs & 90+ PD/ Assets 0.28 0.25 0.30 0.40 0.65
NPAs/ Loans & REO 0.34 0.29 0.37 0.44 0.80
Nonaccrual & 90+ & OREO/ Assets 0.23 0.19 0.24 0.29 0.36
NPAs & 90+ PD/ Loans & REO 0.34 0.30 0.37 0.49 0.81
NPA & Loans 90+/ Tangible Common Equity + LLR 3.64 2.98 3.74 4.74 7.53
NCOs/ Avg Loans 0.08 0.04 0 0.24 (0.02)
Loan Loss Reserves/ Gross Loans 0.47 0.38 0.38 0.39 0.46
Reserves/ NPAs 137.61 128.16 101.05 88.48 57.38
Loan Loss Provision/ NCO 624.72 140.20 NM 84 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 567,306 572,651 546,230 527,727 506,432
Tier 1 Capital($000) 610,898 615,500 586,582 563,426 539,228
Tier 2 Capital($000) 101,863 96,751 95,945 95,351 97,229
Total Capital($000) 712,761 712,251 682,527 658,777 636,457
Total Risk-weighted Assets($000) 5,418,219 5,229,671 4,975,105 4,551,766 4,294,173
Tier 1 Common Capital (CET1) Ratio(%) 10.47 10.95 10.98 11.59 11.79
Tier 1 Ratio(%) 11.28 11.77 11.79 12.38 12.56
Total Capital Ratio(%) 13.16 13.62 13.72 14.47 14.82
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.59 8.73 8.74 9.02 9
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 28,213,602 28,157,206 27,983,637 28,588,266 28,632,904
Avg Diluted Shares(actual) 28,852,819 28,709,109 28,709,833 29,081,723 28,969,582
Basic Book Value per Share 19.48 20.59 19.64 18.63 17.95
Book Value per Share, As Reported 19.48 20.59 19.64 18.63 17.95
Basic Tangible Book Value per Share 18.91 20.01 19.05 18.07 17.38
Tangible Book Value per Share, As Reported 18.92 20.02 19.07 18.08 17.40
Common Dividends Declared per Share 0.21 0.84 0.80 0.72 0.68
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
Core EPS (0.02) 1.45 1.88 1.51 1.35
Core EPS Growth(%) NM (22.80) 24.10 11.90 (6.20)
Diluted EPS before Amortization (0.05) 1.44 1.92 1.41 2.24
Pre-Provision Earnings per Share 0.19 1.56 1.78 1.67 1.49
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