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HomeStreet Bank


Financial Highlights

Financial Highlights
2018 FQ2
6/30/2018
2018 FQ1
3/31/2018
2017 FQ4
12/31/2017
2017 FQ3
9/30/2017
2017 FQ2
6/30/2017
Balance Sheet ($000)
Total Assets 7,163,877 6,924,056 6,742,041 6,796,346 6,586,557
Total Net Loans 5,451,824 5,258,794 5,117,368 5,164,351 4,940,980
Total Deposits 5,120,285 5,048,996 4,760,952 4,670,486 4,747,771
Equity Attributable to Parent Company 706,459 700,963 704,380 671,469 655,841
Total Equity 706,459 700,963 704,380 671,469 655,841
Profitability (%)
Net Income($000) 7,099 5,866 34,915 13,839 11,209
Net Income Attributable to Parent($000) 7,099 5,866 34,915 13,839 11,209
ROAA 0.40 0.35 2.03 0.83 0.70
Core ROAA 0.73 0.34 0.69 1 0.71
ROAE 3.78 3.27 19.90 8.10 6.71
ROATCE 4.11 3.60 20.87 8.66 7.22
Core ROAE 6.84 3.20 6.77 9.77 6.79
Net Interest Margin 3.25 3.23 3.34 3.42 3.29
Reported: Net Interest Margin 3.25 3.25 3.33 3.40 3.29
Efficiency Ratio 85.28 91.82 84.93 81.48 86.14
Noninterest Inc/ Operating Rev 57.63 55.57 58.90 62.17 63.19
Balance Sheet Ratios (%)
Loans/ Deposits 96.14 95.02 95.45 93.14 88.31
Securities/ Assets 13.34 13.89 14.17 14.37 14.93
Total Equity/ Total Assets 9.86 10.12 10.45 9.88 9.96
Tangible Equity/ Tangible Assets 9.50 9.74 10.05 9.48 9.55
Tang Common Equity/ Tang Assets 9.50 9.74 10.05 9.48 9.55
Asset Quality (%)
NPAs/ Assets 0.41 0.46 0.60 0.73 0.90
NPA Excl Restructured/ Assets 0.13 0.14 0.20 0.26 0.29
NPAs & 90+ PD/ Assets 0.41 0.46 0.60 0.73 0.90
NPAs/ Loans & REO 0.54 0.60 0.78 0.95 1.19
Nonaccrual & 90+ & OREO/ Assets 0.13 0.14 0.20 0.26 0.29
NPAs & 90+ PD/ Loans & REO 0.54 0.60 0.78 0.95 1.19
NPA & Loans 90+/ Tangible Common Equity + LLR 4.11 4.47 5.63 7.32 8.97
NCOs/ Avg Loans 0.03 (0.05) (0.07) (0.04) (0.08)
Loan Loss Reserves/ Gross Loans 0.72 0.74 0.73 0.71 0.73
Reserves/ NPAs 134 122.91 94.32 74.57 60.81
Loan Loss Provision/ NCO 215.52 NM NM NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 579,102 540,422 555,120 554,518 544,135
Tier 1 Capital($000) 638,529 599,700 614,624 613,586 603,115
Tier 2 Capital($000) 45,591 40,447 39,117 38,195 37,469
Total Capital($000) 684,120 640,147 653,741 651,781 640,584
Total Risk-weighted Assets($000) 5,550,890 5,833,243 5,628,733 5,678,249 5,434,895
Tier 1 Common Capital (CET1) Ratio(%) 10.48 9.26 9.86 9.77 10.01
Tier 1 Ratio(%) 11.56 10.28 10.92 10.81 11.10
Total Capital Ratio(%) 12.38 10.97 11.61 11.48 11.79
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.18 9.08 9.12 9.33 9.55
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 26,978,229 26,972,074 26,888,288 26,884,402 26,874,871
Avg Diluted Shares(actual) 27,156,329 27,159,000 27,136,977 27,089,040 27,084,608
Basic Book Value per Share 26.19 25.99 26.20 24.98 24.40
As-reported Book Value per Share 26.19 25.99 26.20 24.98 24.40
Basic Tangible Book Value per Share 25.12 24.90 25.09 23.86 23.30
Reported: Tangible Book Value 25.12 24.90 25.09 23.86 23.30
Common Dividends Declared per Share 0 0 0 0 0
EPS after Extra 0.26 0.22 1.29 0.51 0.41
EPS after Extra Growth(%) (36.60) (33.30) NM (54.10) (52.90)
Core EPS 0.47 0.22 0.44 0.61 0.42
Core EPS Growth(%) 13.40 (37.10) 570.70 (45.90) (54.30)
Diluted EPS before Amortization 0.27 0.24 1.30 0.53 0.43
Pre-Provision Earnings per Share 0.48 0.24 0.41 0.57 0.39
Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.
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