Financial Highlights

Financial Highlights
2019 FQ2 YTD
6/30/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
Balance Sheet ($000)
Total Assets 3,958,829 3,541,692 2,767,687 1,854,335 1,269,870
Total Net Loans 2,871,822 2,716,660 2,127,630 1,266,909 982,026
Total Deposits 3,006,263 2,671,351 2,084,941 1,462,867 956,054
Equity Attributable to Parent Company 296,120 288,735 224,127 153,942 104,330
Total Equity 296,120 288,735 224,127 153,942 104,330
Profitability (%)
Net Income($000) 11,817 21,900 15,226 12,074 8,929
Net Income Attributable to Parent($000) 11,817 21,900 15,226 12,074 8,929
ROAA 0.64 0.72 0.66 0.74 0.81
Core ROAA 0.63 0.72 0.74 0.73 0.81
ROAE 8.02 8.44 8.54 9.74 8.89
ROATCE 8.15 8.60 8.77 10.12 9.33
Core ROAE 8 8.44 9.58 9.64 8.89
Net Interest Margin 1.95 2.25 2.57 2.55 2.87
Reported: Net Interest Margin 1.97 2.25 2.57 2.53 2.87
Efficiency Ratio 55.25 56.93 53.54 57.52 61.58
Noninterest Inc / Operating Rev 15.17 12.33 16.35 25.94 24.80
Balance Sheet Ratios (%)
Gross Amortised Loans / Deposits 95.17 101.68 100.30 85.50 99.77
Securities / Assets 14.75 14.90 18.50 26.01 17.51
Total Equity / Total Assets 7.48 8.15 8.10 8.30 8.22
Tangible Equity / Tangible Assets 7.37 8.03 7.94 8.07 7.88
Tangible Ordinary Equity / Tangible Assets 7.37 8.03 7.94 8.07 7.88
Asset Quality (%)
NPAs / Assets 0.25 0.11 0.23 0.35 0.46
NPA Excl Restructured / Assets 0.20 0.10 0.21 0.31 0.37
NPAs & 90+ PD / Assets 0.25 0.11 0.23 0.35 0.46
NPAs / Loans & REO 0.34 0.14 0.30 0.50 0.59
Nonaccrual & 90+ & OREO / Assets 0.20 0.10 0.21 0.31 0.37
NPAs & 90+ PD / Loans & REO 0.35 0.14 0.30 0.50 0.59
NPA & Loans 90+ / Tangible Common Equity + LLR 3.22 1.30 2.72 4.03 5.42
NCOs / Avg Loans 0.04 0.04 0.05 0.15 (0.07)
Loan Loss Reserves / Gross Loans 0.69 0.65 0.70 0.86 0.84
Reserves / NPAs 201.68 468.36 235.19 170.04 142.63
Loan Loss Provision / NCO 450.17 402.90 551.76 254.71 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 306,919 300,589 224,407 158,479 100,839
Tier 1 Capital($000) 306,919 300,589 224,407 158,479 100,839
Tier 2 Capital($000) 89,351 51,771 51,696 47,559 21,351
Total Capital($000) 396,270 352,360 276,103 206,038 122,190
Total Risk-weighted Assets($000) 2,768,861 2,425,298 1,962,879 1,373,000 997,364
Tier 1 Common Capital (CET1) Ratio(%) 11.08 12.39 11.43 11.54 10.11
Tier 1 Ratio(%) 11.08 12.39 11.43 11.54 10.11
Total Capital Ratio(%) 14.31 14.53 14.07 15.01 12.25
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.06 9 8.45 8.65 8.28
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 10,016,458 10,170,778 8,411,077 6,478,050 4,481,347
Avg Diluted Shares(actual) 10,186,833 9,508,653 7,149,302 5,239,082 4,554,219
Basic Book Value per Share 29.56 28.39 26.65 23.76 23.28
Book Value per Share, As Reported 29.56 28.39 26.65 23.76 23.28
Basic Tangible Book Value per Share 29.10 27.93 26.09 23.04 22.24
Tangible Book Value per Share, As Reported 29.10 27.93 26.09 23.04 22.24
Common Dividends Declared per Share 0.12 0.24 0.24 0.24 0.24
EPS after Extra 1.16 2.30 2.13 2.30 1.96
EPS after Extra Growth(%) (15.90) 8 (7.40) 17.30 104.20
Core EPS 1.16 2.30 2.39 2.28 1.96
Core EPS Growth(%) (16.20) (3.70) 4.90 16.20 122.10
Diluted EPS before Amortization 1.16 2.30 2.13 2.30 1.96
Pre-Provision Earnings per Share 1.19 2.31 2.53 2.74 2.23
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