Financial Highlights


Financial Highlights
2020 FQ3 YTD
9/30/2020
2019
12/31/2019
2018
12/31/2018
2017
12/31/2017
2016
12/31/2016
Balance Sheet ($000)
Total Assets 3,587,041 3,088,953 2,959,183 2,898,794 2,845,197
Total Net Loans 2,091,585 1,831,533 1,766,884 1,645,002 1,558,744
Total Deposits 3,009,446 2,645,454 2,531,856 2,469,877 2,412,286
Equity Attributable to Parent Company 339,425 327,016 302,587 284,210 275,168
Total Equity 356,624 327,016 302,587 284,210 275,168
COVID-19 Financial Disclosure
Paycheck Protection Program Loan($000) NA NA NA NA NA
PPP Loan Ratio(%) NA NA NA NA NA
COVID-19 Loan Modification($000) NA NA NA NA NA
COVID-19 Loan Modification Ratio(%) NA NA NA NA NA
Processing Fees on PPP Loans($000) NA NA NA NA NA
Profitability (%)
Net Income ($000) 32,681 30,807 26,224 10,863 11,746
Net Income Attributable to Parent ($000) 23,830 30,807 26,224 10,863 11,746
ROAA 1.32 1.03 0.92 0.39 0.43
Core ROAA 0.94 1.03 0.90 0.53 0.37
ROAE 12.71 9.72 8.89 3.83 4.22
ROATCE 12.88 13.26 12.48 5.47 6.07
Core ROAE 9.26 9.72 8.68 5.27 3.64
Net Interest Margin 3.41 3.85 3.64 3.37 3.25
Reported: Net Interest Margin 3.42 3.85 3.64 3.37 3.25
Efficiency Ratio 69.49 72.05 76.50 79.61 84.10
Noninterest Inc/ Operating Rev 51.37 33.92 35.79 38.41 39.64
Balance Sheet Ratios (%)
Loans/ Deposits 66.40 69.40 70.08 66.95 64.72
Securities/ Assets 14.95 21 22.61 24.13 24.67
Total Equity/ Total Assets 9.94 10.59 10.23 9.80 9.67
Tangible Equity/ Tangible Assets 7.65 8.06 7.58 7.09 6.90
Tang Common Equity/ Tang Assets 7.16 8.06 7.58 7.09 6.90
Asset Quality (%)
NPAs/ Assets 0.60 0.72 1.05 1.49 2.02
NPA Excl Restructured/ Assets 0.19 0.18 0.31 0.38 0.67
NPAs & 90+ PD/ Assets 0.60 0.72 1.05 1.49 2.02
NPAs/ Loans & REO 1.01 1.21 1.75 2.60 3.63
Nonaccrual & 90+ & OREO/ Assets 0.19 0.18 0.31 0.38 0.67
NPAs & 90+ PD/ Loans & REO 1.01 1.21 1.75 2.60 3.63
NPA & Loans 90+/ Tangible Common Equity + LLR 7.83 8.71 13.44 20.36 28.17
NCOs/ Avg Loans 0.13 0.13 0.12 0.14 0.09
Loan Loss Reserves/ Gross Loans 1.09 0.75 0.80 0.80 0.85
Reserves/ NPAs 107.99 62.32 45.57 30.76 23.40
Loan Loss Provision/ NCO 435.40 86.92 144.75 94.70 61.07
Capital Adequacy
Tier 1 Common Capital (CET1) ($000) 281,654 273,676 249,774 234,477 220,211
Tier 1 Capital ($000) 332,654 324,676 300,774 285,477 270,801
Tier 2 Capital ($000) 21,988 13,906 14,210 13,307 13,431
Total Capital ($000) 354,642 338,582 314,984 298,784 284,232
Total Risk-weighted Assets ($000) 1,983,265 1,891,715 1,838,848 1,747,736 1,746,382
Tier 1 Common Capital (CET1) Ratio (%) 14.20 14.47 13.58 13.42 12.61
Tier 1 Ratio (%) 16.77 17.16 16.36 16.33 15.51
Total Capital Ratio (%) 17.88 17.90 17.13 17.10 16.28
Liquidity Coverage Ratio (%) NA NA NA NA NA
Leverage Ratio (%) 9.64 11.25 10.89 10.47 10.23
Basel III Leverage Ratio (%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding (actual) 16,761,464 16,771,544 16,747,571 16,988,951 16,844,698
Avg Diluted Shares (actual) 16,823,000 16,827,413 17,072,329 17,012,637 17,061,186
Basic Book Value per Share 20.25 19.50 18.07 16.73 16.34
Book Value per Share, As Reported 20.20 19.40 18 16.65 16.23
Basic Tangible Book Value per Share 14.93 14.44 13 11.74 11.30
Tangible Book Value per Share, As Reported 14.90 14.37 12.96 11.68 11.23
Common Dividends Declared per Share 0.42 0.48 0.32 0.24 0.17
EPS after Extra 1.42 1.83 1.54 0.64 0.69
EPS after Extra Growth (%) 7.60 18.80 140.60 (7.20) 30.20
Core EPS 0.86 1.83 1.50 0.88 0.60
Core EPS Growth (%) (34.90) 21.70 70.90 47.80 26.80
Diluted EPS before Amortization 1.42 1.83 1.54 0.64 0.69
Pre-Provision Earnings per Share 1.72 2.01 1.47 0.97 0.61
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