| Balance Sheet ($000) |
| Period Ended |
2022 FY
12/31/22 |
2021 FY
12/31/21
|
2020 FY
12/31/20
|
2019 FY
12/31/19
|
2018 FY
12/31/18
|
| Total Assets |
8,763,969 |
7,695,037
|
4,551,789
|
3,577,260
|
3,096,535
|
| Total Loans |
6,180,499 |
4,621,836
|
2,789,101
|
2,573,751
|
2,166,181
|
| Total Deposits |
7,178,921 |
6,465,916
|
3,910,399
|
2,954,453
|
2,614,138
|
| Total Equity |
972,529 |
891,891
|
539,189
|
516,262
|
386,609
|
| Profitability (%) |
| Period Ended |
2022 FY
12/31/22
|
2021 FY
12/31/21 |
2020 FY
12/31/20 |
2019 FY
12/31/19 |
2018 FY
12/31/18 |
| Net Income($000) |
94,260 |
60,652
|
60,469
|
54,988
|
41,353
|
| Net Income Attributable to Parent($000) |
94,260 |
60,652
|
60,122
|
54,641
|
41,036
|
| Return on Average Assets |
1.20 |
1.15
|
1.41
|
1.75
|
1.39
|
| Return on Average Equity |
10.63 |
9.74
|
11.40
|
12.89
|
11.10
|
| Return on Average Tangible Common Equity |
17.96 |
14.74
|
16.76
|
18.53
|
18.14
|
| Net Interest Margin |
3.40 |
3.37
|
3.38
|
4.19
|
4.04
|
| Efficiency Ratio |
54.15 |
58.20
|
51.72
|
59.54
|
61.42
|
| Balance Sheet Ratios (%) |
| Period Ended |
2022 FY
12/31/22
|
2021 FY
12/31/21 |
2020 FY
12/31/20 |
2019 FY
12/31/19 |
2018 FY
12/31/18 |
| Loans/ Deposits |
86.09 |
71.48
|
71.33
|
87.11
|
82.86
|
| Securities/ Assets |
18.96 |
21.03
|
12.50
|
13.26
|
13.54
|
| Total Equity/ Total Assets |
11.10 |
11.59
|
11.85
|
14.45
|
12.51
|
| Tang Common Equity/ Tang Assets |
6.82 |
7.51
|
8.31
|
10.27
|
8.83
|
| Asset Quality (%) |
| Period Ended |
2022 FY
12/31/22
|
2021 FY
12/31/21 |
2020 FY
12/31/20 |
2019 FY
12/31/19 |
2018 FY
12/31/18 |
| NPAs/ Assets |
0.46 |
0.73
|
0.29
|
0.42
|
0.19
|
| NCOs/ Average Loans |
0.01 |
0.01
|
0.05
|
0.02
|
0.05
|
| Allowance for Credit Losses / Gross Loans |
1.00 |
1.07
|
1.15
|
0.54
|
0.61
|
| Reserves/ NPAs |
154.36 |
80.70
|
211.90
|
89.71
|
223.27
|
| Capital Adequacy |
| Period Ended |
2022 FY
12/31/22
|
2021 FY
12/31/21 |
2020 FY
12/31/20 |
2019 FY
12/31/19 |
2018 FY
12/31/18 |
| Tier 1 Common Capital (CET1)($000) |
646,341 |
567,095
|
361,162
|
348,454
|
271,435
|
| Tier 1 Capital($000) |
684,250 |
604,199
|
385,068
|
378,608
|
301,125
|
| Tier 2 Capital($000) |
205,483 |
189,211
|
21,257
|
25,965
|
25,110
|
| Total Capital($000) |
889,763 |
793,410
|
406,325
|
404,573
|
326,235
|
| Total Risk-weighted Assets($000) |
7,181,567 |
5,745,597
|
3,158,532
|
3,016,661
|
2,535,446
|
| Tier 1 Common Capital (CET1) Ratio(%) |
9.0 |
9.9
|
11.4
|
11.6
|
10.7
|
| Tier 1 Ratio(%) |
9.5 |
10.5
|
12.2
|
12.6
|
11.9
|
| Total Capital Ratio(%) |
12.3 |
13.8
|
12.9
|
13.4
|
12.9
|
| Leverage Ratio(%) |
8.2 |
9.4
|
9.0
|
11.9
|
10.4
|
| Per Share Information ($) |
| Period Ended |
2022 FY
12/31/22
|
2021 FY
12/31/21 |
2020 FY
12/31/20 |
2019 FY
12/31/19 |
2018 FY
12/31/18 |
| Common Shares Outstanding |
14,764,104
|
13,994,079
|
10,030,267
|
10,610,259
|
9,524,777
|
| Average Diluted Shares |
14,374,931 |
11,144,866
|
10,541,251
|
9,900,319
|
9,956,353
|
| Book Value per Share |
66.20 |
63.73
|
53.86
|
48.76
|
40.72
|
| Tangible Book Value per Share |
38.81 |
39.47
|
36.34
|
33.08
|
27.62
|
| Diluted Earnings per Share |
6.56 |
5.44
|
5.70
|
5.52
|
4.12
|
Data shown on this page is extracted directly from the company’s documents and/or S&P Global Market Intelligence.