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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 1,847,168 1,713,056 1,621,644 981,783 827,926
Total Net Loans 1,508,702 1,406,045 1,363,714 815,021 645,870
Total Deposits 1,446,269 1,392,408 1,274,219 829,842 712,593
Equity Attributable to Parent Company 200,829 200,242 180,038 122,002 81,033
Total Equity 200,829 200,242 180,038 122,002 81,033
Profitability (%)
Net Income($000) 5,167 22,717 24,347 14,085 10,499
Net Income Attributable to Parent($000) 5,167 22,717 24,347 14,085 10,499
ROAA 1.19 1.38 2.07 1.53 1.31
Core ROAA 0.95 1.50 1.68 1.41 1.38
ROAE 10.17 11.92 18.15 14.80 13.76
ROATCE 10.86 12.78 18.94 15.70 14.93
Core ROAE 8.11 12.96 14.75 13.67 14.41
Net Interest Margin 4.28 4.53 4.61 4.65 4.43
Reported: Net Interest Margin 4.30 4.53 4.61 4.72 4.43
Efficiency Ratio 64.37 64.22 65.93 68.24 66.62
Noninterest Inc/ Operating Rev 29.73 24.67 27.07 35.43 40.89
Balance Sheet Ratios (%)
Loans/ Deposits 97.49 96.92 103.97 93.07 84.69
Securities/ Assets 9.06 7.83 6.60 8.69 10.22
Total Equity/ Total Assets 10.87 11.69 11.10 12.43 9.79
Tangible Equity/ Tangible Assets 10.50 11.29 10.63 12.10 9.35
Tang Common Equity/ Tang Assets 10.50 11.29 10.63 12.10 9.35
Asset Quality (%)
NPAs/ Assets 0.18 0.19 0.28 0.11 0.10
NPA Excl Restructured/ Assets 0.18 0.19 0.28 0.11 0.09
NPAs & 90+ PD/ Assets 0.18 0.19 0.28 0.11 0.10
NPAs/ Loans & REO 0.22 0.23 0.33 0.13 0.12
Nonaccrual & 90+ & OREO/ Assets 0.18 0.19 0.28 0.11 0.09
NPAs & 90+ PD/ Loans & REO 0.22 0.23 0.33 0.13 0.12
NPA & Loans 90+/ Tangible Common Equity + LLR 1.56 1.56 2.50 0.85 0.91
NCOs/ Avg Loans 0.01 0.15 (0.01) 0.03 0
Loan Loss Reserves/ Gross Loans 1.11 0.93 0.90 1.30 1.56
Reserves/ NPAs 514.08 411.99 269.45 983.18 NM
Loan Loss Provision/ NCO NM 144 NM 365.85 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 191,685 172,988 119,111 78,227
Tier 1 Capital($000) NA 191,685 172,988 119,111 78,227
Tier 2 Capital($000) NA 13,522 12,648 10,316 8,433
Total Capital($000) NA 205,207 185,636 129,427 86,660
Total Risk-weighted Assets($000) NA 1,431,553 1,393,940 824,298 672,631
Tier 1 Common Capital (CET1) Ratio(%) NA 13.39 12.41 14.45 11.63
Tier 1 Ratio(%) NA 13.39 12.41 14.45 11.63
Total Capital Ratio(%) NA 14.34 13.32 15.70 12.88
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.10 11.30 12.07 12.13 9.52
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 4,332,196 4,459,041 4,492,478 3,680,152 3,059,503
Avg Diluted Shares(actual) 4,478,918 4,523,024 3,869,789 3,291,700 2,990,159
Basic Book Value per Share 46.36 44.91 40.08 33.15 26.49
Book Value per Share, As Reported 47.29 45.85 41.19 34.47 28.32
Basic Tangible Book Value per Share 44.60 43.16 38.18 32.17 25.17
Tangible Book Value per Share, As Reported 45.50 44.08 39.24 33.44 26.91
Common Dividends Declared per Share 0.21 0.65 0.53 0.43 0.37
EPS after Extra 1.14 5.01 6.29 4.28 3.51
EPS after Extra Growth(%) (0.90) (20.30) 47 21.90 19.80
Core EPS 0.91 5.45 5.11 3.95 3.68
Core EPS Growth(%) (27.20) 6.60 29.30 7.60 18.50
Diluted EPS before Amortization 1.18 5.18 6.38 4.40 3.68
Pre-Provision Earnings per Share 1.51 5.71 4.90 3.93 4.07
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