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Financial Highlights

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 6,376,058 6,143,639 5,864,116 5,547,037 3,614,862
Total Net Loans 4,561,520 4,451,780 4,232,304 4,031,530 2,689,047
Total Deposits 5,044,988 4,931,355 4,659,339 4,406,955 2,947,353
Equity Attributable to Parent Company 862,198 852,401 764,230 692,979 368,101
Total Equity 862,198 852,401 764,230 692,979 368,101
Profitability (%)
Net Income($000) 18,180 92,046 89,289 45,972 27,509
Net Income Attributable to Parent($000) 18,180 92,046 89,289 45,972 27,509
ROAE 8.47 11.32 12.27 8.62 7.63
Core ROAE 8.86 11.81 13.07 10.36 8.87
Reported: Net Interest Margin 3.96 4 4.09 4.08 4.03
Noninterest Inc/ Operating Rev 20.02 21.56 21.86 23.10 19.78
Balance Sheet Ratios (%)
Loans/ Deposits 90.24 90.31 91.19 91.73 91.97
Securities/ Assets 14.21 15.03 10.91 8.89 9.65
Total Equity/ Total Assets 13.52 13.87 13.03 12.49 10.18
Tangible Equity/ Tangible Assets 10.06 10.28 9.14 8.27 8.17
Tang Common Equity/ Tang Assets 10.06 10.28 9.14 8.27 8.17
Asset Quality (%)
Non Covered NPAs/ Assets 0.60 0.62 0.74 0.96 1.64
NPA Excl Restructured/ Assets 0.45 0.47 0.51 0.60 1.02
Non Covered NPAs & 90+ PD/ Assets 0.61 0.63 0.75 0.97 1.64
Non Covered Nonaccrual & 90+ & OREO/ Assets 0.46 0.48 0.52 0.62 1.02
Non Covered NPA & Loans 90+/ Tangible Common Equity + LLR 6.09 6.14 8.24 11.71 18.90
Non Covered NCOs/ Non Covered Avg Loans 0.22 0.04 (0.03) 0.04 0.15
Loan Loss Reserves/ Gross Loans 0.53 0.48 0.49 0.57 0.88
Total Reserves/ Non Covered NPAs 63.96 56.62 48.44 43.65 40.21
Total Loan Loss Provision/ Non Covered NCO 224.50 118.86 NM 59.95 (0.62)
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 605,191 610,642 535,566 456,826 308,712
Tier 1 Capital($000) 657,573 662,987 587,764 508,791 353,363
Tier 2 Capital($000) 24,959 21,944 21,664 24,116 24,484
Total Capital($000) 682,532 684,931 609,428 532,907 377,847
Total Risk-weighted Assets($000) 4,704,410 4,599,799 4,361,238 4,262,941 2,828,118
Tier 1 Common Capital (CET1) Ratio(%) 12.86 13.28 12.28 10.72 10.92
Tier 1 Ratio(%) 13.98 14.41 13.48 11.94 12.49
Total Capital Ratio(%) 14.51 14.89 13.97 12.50 13.36
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.05 11.19 10.47 9.58 10.17
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 29,040,827 29,601,264 29,724,874 29,639,374 20,844,505
Avg Diluted Shares(actual) 29,399,114 29,720,499 29,707,431 25,291,382 20,732,917
Basic Book Value per Share 29.69 28.80 25.71 23.38 17.66
Book Value per Share, As Reported 29.69 28.80 25.71 23.38 17.66
Basic Tangible Book Value per Share 21.25 20.48 17.26 14.76 13.87
Tangible Book Value per Share, As Reported 21.09 20.30 17.18 14.69 13.85
Common Dividends Declared per Share 0.18 0.54 0.40 0.32 0.32
EPS after Extra 0.62 3.10 3.01 1.82 1.33
EPS after Extra Growth(%) (17.30) 3 65.40 36.80 2.30
Core EPS 0.65 3.23 3.21 2.19 1.55
Core EPS Growth(%) (17.70) 0.90 46.60 41.50 16.90
Pre-Provision Earnings per Share 0.76 3.16 2.97 1.98 1.50
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.