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

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