Balance Sheet ($000)
Period Ended 2020 FY
12/31/2020
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
Total Assets 4,551,789 3,577,260 3,096,535 2,932,433 2,300,879
Total Net Loans 2,756,928 2,562,485 2,154,667 2,079,938 1,564,000
Total Deposits 3,910,399 2,954,453 2,614,138 2,471,064 1,969,986
Total Equity 539,189 516,262 386,609 364,178 275,947
Profitability (%)
Period Ended 2020 FY
12/31/2020
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
Net Income($000) 60,469 54,988 41,353 33,433 18,694
Net Income Attributable to Parent($000) 60,122 54,641 41,036 33,150 18,462
Return on Average Assets 1.41 1.75 1.39 1.26 0.97
Return on Average Equity 11.40 12.89 11.10 10.13 8.61
Return on Average Tangible Common Equity 16.76 18.53 18.14 16.49 12.55
Net Interest Margin 3.38 4.19 4.04 4.30 4.06
Efficiency Ratio

48.33

54.46 58.35 57.12 59.75
Balance Sheet Ratios (%)
Period Ended 2020 FY
12/31/2020
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
Loans/ Deposits 71.33 87.11 82.86 84.49 79.64
Securities/ Assets 11.85 13.26 13.54 14.36 16.68
Total Equity/ Total Assets 11.85 14.45 12.51 12.44 12.01
Tang Common Equity/ Tang Assets 8.31 10.27 8.83 8.41 8.50
Asset Quality (%)
Period Ended 2020 FY
12/31/2020
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
NPAs/ Assets 0.29 0.44 0.19 0.49 0.97
NCOs/ Average Loans 0.05 0.02 0.05 0.08 0.02
Loan Loss Reserves/ Gross Loans 1.15 0.54 0.61 0.60 0.75
Reserves/ NPAs 246.29 89.71 223.27 87.94 52.90
Capital Adequacy
Period Ended 2020 FY
12/31/2020
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) 361,162 348,454 271,435 245,214 202,313
Tier 1 Capital($000) 385,068 378,608 301,125 274,469 226,018
Tier 2 Capital($000) 21,257 25,965 25,110 24,574 23,705
Total Capital($000) 406,325 404,573 326,235 299,043 249,723
Total Risk-weighted Assets($000) 3,158,532 3,016,661 2,535,446 2,330,938 1,802,441
Tier 1 Common Capital (CET1) Ratio(%) 11.43 11.55 10.71 10.52 11.22
Tier 1 Ratio(%) 12.19 12.55 11.88 11.78 12.54
Total Capital Ratio(%) 12.86 13.41 12.87 12.83 13.85
Leverage Ratio(%) 9.04 11.92 10.43 10.04 10.32
Per Share Information ($)
Period Ended 2020 FY
12/31/2020
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
Common Shares Outstanding 10,011,342 10,587,738 9,495,265 9,818,247 8,553,292
Average Diluted Shares 10,541,251 9,900,319 9,956,353 9,958,160 7,513,971
Book Value per Share 53.86 48.76 40.72 37.09 32.26
Tangible Book Value per Share 36.34 33.08 27.62 24.01 21.98
EPS after Extra 5.70 5.52 4.12 3.33 2.37
Core EPS Growth(%) 3.26 26.80 22.20 20.80 9.20

Data shown on this page is extracted directly from the company’s documents.