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Financial Highlights

Financial Highlights
2019 FQ2
6/30/2019
2019 FQ1
3/31/2019
2018 FQ4
12/31/2018
2018 FQ3
9/30/2018
2018 FQ2
6/30/2018
Balance Sheet ($000)
Total Assets 7,200,790 7,171,405 7,042,221 7,029,082 7,163,877
Total Net Loans 5,433,111 5,402,897 5,152,695 5,130,064 4,993,568
Total Deposits 5,590,893 5,178,334 4,888,558 4,943,545 4,901,164
Equity Attributable to Parent Company 671,175 747,031 739,520 714,782 706,459
Total Equity 671,175 747,031 739,520 714,782 706,459
Profitability (%)
Net Income($000) (5,588) (1,715) 15,227 11,835 7,099
Net Income Attributable to Parent($000) (5,588) (1,715) 15,227 11,835 7,099
ROAA (0.31) (0.10) 0.86 0.66 0.40
Core ROAA 0.56 0.32 0.41 0.50 0.56
ROAE (3.02) (0.91) 8.30 6.23 3.78
ROATCE (2.97) (0.81) 8.81 6.64 4.11
Core ROAE 5.49 3.05 3.94 4.65 5.28
Net Interest Margin 2.94 2.94 3.03 2.96 3
Reported: Net Interest Margin 3.11 3.11 3.19 3.20 3.25
Efficiency Ratio 82.89 84.61 81.59 80.28 75.99
Noninterest Inc/ Operating Rev 28.59 14.92 17.51 18.21 14.94
Balance Sheet Ratios (%)
Loans/ Deposits 95.35 104.07 104.67 102.49 100.44
Securities/ Assets 11.67 12 13.89 13.58 13.47
Total Equity/ Total Assets 9.32 10.42 10.50 10.17 9.86
Tangible Equity/ Tangible Assets 8.86 9.95 10.14 9.80 9.50
Tang Common Equity/ Tang Assets 8.86 9.95 10.14 9.80 9.50
Asset Quality (%)
NPAs/ Assets 0.33 0.51 0.38 0.39 0.41
NPA Excl Restructured/ Assets 0.14 0.21 0.14 0.13 0.13
NPAs & 90+ PD/ Assets 0.35 0.51 0.38 0.39 0.41
NPAs/ Loans & REO 0.44 0.67 0.52 0.53 0.59
Nonaccrual & 90+ & OREO/ Assets 0.16 0.21 0.14 0.13 0.13
NPAs & 90+ PD/ Loans & REO 0.46 0.67 0.52 0.53 0.59
NPA & Loans 90+/ Tangible Common Equity + LLR 3.70 4.87 3.59 3.75 4.11
NCOs/ Avg Loans (0.01) (0.01) (0.04) (0.01) 0.03
Loan Loss Reserves/ Gross Loans 0.79 0.79 0.80 0.78 0.78
Reserves/ NPAs 180.84 117.74 153.36 148.35 133.96
Loan Loss Provision/ NCO NM NM NM NM 215.52
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 674,860 709,821 607,388 581,165 579,102
Tier 1 Capital($000) 734,823 769,783 667,301 640,614 638,529
Tier 2 Capital($000) 50,515 50,482 48,547 47,037 45,591
Total Capital($000) 785,338 820,265 715,848 687,651 684,120
Total Risk-weighted Assets($000) 5,628,362 5,626,399 5,396,261 5,363,263 5,524,116
Tier 1 Common Capital (CET1) Ratio(%) 11.99 12.62 11.26 10.84 10.48
Tier 1 Ratio(%) 13.06 13.68 12.37 11.94 11.56
Total Capital Ratio(%) 13.95 14.58 13.27 12.82 12.38
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.12 10.73 9.51 9.17 9.18
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 26,085,164 27,038,257 26,995,348 26,989,742 26,978,229
Avg Diluted Shares(actual) 26,802,130 27,185,175 27,175,522 27,181,688 27,156,329
Basic Book Value per Share 25.73 27.63 27.39 26.48 26.19
Book Value per Share, As Reported 27.75 27.63 27.39 26.48 26.19
Basic Tangible Book Value per Share 24.32 26.26 26.36 25.43 25.12
Tangible Book Value per Share, As Reported 26.34 26.26 26.36 25.43 25.12
Common Dividends Declared per Share 0 0 0 0 0
EPS after Extra (0.22) (0.06) 0.56 0.44 0.26
EPS after Extra Growth(%) NM NM (56.60) (13.70) (36.60)
Core EPS 0.40 0.20 0.27 0.33 0.36
Core EPS Growth(%) 10.20 227 NA (46.60) (12.40)
Diluted EPS before Amortization (0.20) (0.05) 0.57 0.46 0.27
Pre-Provision Earnings per Share 0.35 0.23 0.31 0.33 0.38
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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