| Balance Sheet ($000) |
| Period Ended |
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 |
| Total Assets |
3,732,554 |
3,577,260 |
3,096,535 |
2,932,433 |
2,300,879 |
| Total Net Loans |
2,585,151 |
2,562,485 |
2,154,667 |
2,079,938 |
1,564,000 |
| Total Deposits |
3,023,466 |
2,954,453 |
2,614,138 |
2,471,064 |
1,969,986 |
| Equity Attributable to Parent Company |
510,971 |
516,262 |
386,609 |
364,178 |
275,947 |
| Total Equity |
511,740 |
516,990 |
387,352 |
364,879 |
276,365 |
| Profitability (%) |
| Period Ended |
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 |
| Net Income($000) |
10,673 |
54,988 |
41,353 |
33,433 |
18,694 |
| Net Income Attributable to Parent($000) |
10,555 |
54,641 |
41,036 |
33,150 |
18,462 |
| ROAA |
1.20 |
1.76 |
1.39 |
1.26 |
0.97 |
| Core ROAA |
1.28 |
1.76 |
1.47 |
1.35 |
1.19 |
| ROAE |
8.30 |
12.99 |
11.10 |
10.13 |
8.61 |
| ROATCE |
13.03 |
19.70 |
18.14 |
16.49 |
12.55 |
| Core ROAE |
8.83 |
12.98 |
11.76 |
10.75 |
10.19 |
| Net Interest Margin |
3.98 |
4.19 |
4.04 |
4.30 |
4.06 |
| Reported: Net Interest Margin |
3.94 |
4.19 |
4.04 |
4.30 |
4.01 |
| Efficiency Ratio |
55.65 |
54.46 |
58.35 |
57.12 |
59.75 |
| Noninterest Inc/ Operating Rev |
23.47 |
28.29 |
26.53 |
24.47 |
27.95 |
| Balance Sheet Ratios (%) |
| Period Ended |
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 |
| Loans/ Deposits |
86.24 |
87.11 |
82.86 |
84.49 |
79.64 |
| Securities/ Assets |
14.50 |
13.26 |
13.54 |
14.36 |
16.68 |
| Total Equity/ Total Assets |
13.71 |
14.45 |
12.51 |
12.44 |
12.01 |
| Tangible Equity/ Tangible Assets |
9.72 |
10.29 |
8.85 |
8.43 |
8.51 |
| Tang Common Equity/ Tang Assets |
9.70 |
10.27 |
8.83 |
8.41 |
8.50 |
| Asset Quality (%) |
| Period Ended |
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 |
| NPAs/ Assets |
0.42 |
0.44 |
0.19 |
0.49 |
0.97 |
| NPA Excl Restructured/ Assets |
0.42 |
0.42 |
0.19 |
0.49 |
0.97 |
| NPAs & 90+ PD/ Assets |
0.42 |
0.44 |
0.19 |
0.49 |
0.97 |
| NPAs/ Loans & REO |
0.60 |
0.60 |
0.27 |
0.69 |
1.42 |
| Nonaccrual & 90+ & OREO/ Assets |
0.42 |
0.42 |
0.19 |
0.49 |
0.97 |
| NPAs & 90+ PD/ Loans & REO |
0.60 |
0.60 |
0.27 |
0.69 |
1.42 |
| NPA & Loans 90+/ Tangible Common Equity + LLR |
4.24 |
4.28 |
2.14 |
5.79 |
11.18 |
| NCOs/ Avg Loans |
0.01 |
0.02 |
0.05 |
0.08 |
0.02 |
| Loan Loss Reserves/ Gross Loans |
1.00 |
0.54 |
0.61 |
0.60 |
0.75 |
| Reserves/ NPAs |
166.16 |
89.71 |
223.27 |
87.94 |
52.90 |
| Loan Loss Provision/ NCO |
NM |
314.96 |
145.45 |
155.83 |
627.18 |
| Capital Adequacy |
| Period Ended |
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 |
| Tier 1 Common Capital (CET1)($000) |
348,106 |
348,454 |
271,435 |
245,214 |
202,313 |
| Tier 1 Capital($000) |
378,421 |
378,608 |
301,125 |
274,469 |
226,018 |
| Tier 2 Capital($000) |
27,179 |
25,965 |
25,110 |
24,574 |
23,705 |
| Total Capital($000) |
405,600 |
404,573 |
326,235 |
299,043 |
249,723 |
| Total Risk-weighted Assets($000) |
3,059,554 |
3,016,661 |
2,535,446 |
2,330,938 |
1,802,441 |
| >Tier 1 Common Capital (CET1) Ratio(%) |
11.38 |
11.55 |
10.71 |
10.52 |
11.22 |
| Tier 1 Ratio(%) |
12.37 |
12.55 |
11.88 |
11.78 |
12.54 |
| Total Capital Ratio(%) |
13.26 |
13.41 |
12.87 |
12.83 |
13.85 |
| Leverage Ratio(%) |
11.15 |
11.92 |
10.43 |
10.04 |
10.32 |
| Per Share Information ($) |
| Period Ended |
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 |
| Common Shares Outstanding(actual) |
10,428,896 |
10,610,259 |
9,524,777 |
9,849,167 |
8,596,241 |
| Avg Diluted Shares(actual) |
10,800,636 |
9,900,319 |
9,956,353 |
9,958,160 |
7,513,971 |
| Basic Book Value per Share |
49.00 |
48.66 |
40.59 |
36.98 |
32.10 |
| Book Value per Share, As Reported |
49.09 |
48.76 |
40.72 |
37.09 |
32.26 |
| Basic Tangible Book Value per Share |
33.18 |
33.01 |
27.54 |
23.94 |
21.87 |
| Tangible Book Value per Share, As Reported |
33.24 |
33.08 |
27.62 |
24.01 |
21.98 |
| EPS after Extra |
0.98 |
5.52 |
4.12 |
3.33 |
2.37 |
| EPS after Extra Growth(%) |
(6.70) |
34.00 |
23.70 |
40.50 |
(7.80) |
| Core EPS |
1.04 |
5.53 |
4.36 |
3.57 |
2.95 |
| Core EPS Growth(%) |
(7.40) |
26.80 |
22.20 |
20.80 |
9.20 |
| Diluted EPS before Amortization |
1.07 |
5.99 |
4.56 |
3.80 |
2.83 |
| Pre-Provision Earnings per Share |
1.24 |
5.43 |
4.36 |
3.24 |
2.78 |
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.