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Financial Highlights

Financial Highlights
2019 FQ4
12/31/2019
2019 FQ3
9/30/2019
2019 FQ2
6/30/2019
2019 FQ1
3/31/2019
2018 FQ4
12/31/2018
Balance Sheet ($000)
Total Assets 6,812,435 6,835,878 7,200,790 7,171,405 7,042,221
Total Net Loans 5,280,961 5,312,066 5,433,111 5,402,897 5,152,695
Total Deposits 5,339,959 5,804,307 5,590,893 5,178,334 4,888,558
Equity Attributable to Parent Company 679,723 691,136 671,175 747,031 739,520
Total Equity 679,723 691,136 671,175 747,031 739,520
Profitability (%)
Net Income($000) 10,988 13,827 (5,588) (1,715) 15,227
Net Income Attributable to Parent($000) 10,988 13,827 (5,588) (1,715) 15,227
ROAA 0.64 0.79 (0.31) (0.10) 0.86
Core ROAA 0.91 0.81 0.56 0.32 0.39
ROAE 6.27 7.98 (3.02) (0.91) 8.30
ROATCE 6.79 8.43 (3.16) (0.81) 8.81
Core ROAE 8.96 8.17 5.49 3.05 3.80
Net Interest Margin 2.88 2.93 2.94 2.94 3.03
Reported: Net Interest Margin 2.87 2.96 3.11 3.11 3.19
Efficiency Ratio 74.02 76.82 82.89 84.61 81.59
Noninterest Inc/ Operating Rev 32.40 34.29 28.59 14.92 17.51
Balance Sheet Ratios (%)
Loans/ Deposits 95.78 89.29 95.35 104.07 104.67
Securities/ Assets 14.34 13 11.67 12 13.89
Total Equity/ Total Assets 9.98 10.11 9.32 10.42 10.50
Tangible Equity/ Tangible Assets 9.52 9.63 8.86 9.95 10.14
Tang Common Equity/ Tang Assets 9.52 9.63 8.86 9.95 10.14
Asset Quality (%)
NPAs/ Assets 0.36 0.36 0.33 0.51 0.38
NPA Excl Restructured/ Assets 0.19 0.19 0.14 0.21 0.14
NPAs & 90+ PD/ Assets 0.36 0.36 0.35 0.51 0.38
NPAs/ Loans & REO 0.47 0.47 0.44 0.67 0.52
Nonaccrual & 90+ & OREO/ Assets 0.19 0.19 0.16 0.21 0.14
NPAs & 90+ PD/ Loans & REO 0.47 0.47 0.46 0.67 0.52
NPA & Loans 90+/ Tangible Common Equity + LLR 3.60 3.57 3.70 4.87 3.59
NCOs/ Avg Loans (0.02) 0 (0.01) (0.01) (0.04)
Loan Loss Reserves/ Gross Loans 0.78 0.81 0.79 0.79 0.80
Reserves/ NPAs 168.72 174.17 180.84 117.74 153.36
Loan Loss Provision/ NCO NM NM NM NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 631,323 636,806 674,860 709,821 607,388
Tier 1 Capital($000) 691,323 696,762 734,823 769,783 667,301
Tier 2 Capital($000) 48,489 50,441 50,515 50,482 48,547
Total Capital($000) 739,812 747,203 785,338 820,265 715,848
Total Risk-weighted Assets($000) 5,493,669 5,456,964 5,628,362 5,626,399 5,396,261
Tier 1 Common Capital (CET1) Ratio(%) 11.43 11.67 11.99 12.62 11.26
Tier 1 Ratio(%) 12.52 12.77 13.06 13.68 12.37
Total Capital Ratio(%) 13.40 13.69 13.95 14.58 13.27
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.16 10.04 10.12 10.73 9.51
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 23,890,855 24,408,513 26,085,164 27,038,257 26,995,348
Avg Diluted Shares(actual) 24,469,891 24,625,938 26,802,130 27,185,175 27,175,522
Basic Book Value per Share 28.45 28.32 25.73 27.63 27.39
Book Value per Share, As Reported 28.45 28.32 27.75 27.63 27.39
Basic Tangible Book Value per Share 27.02 26.83 24.32 26.26 26.36
Tangible Book Value per Share, As Reported 27.02 26.83 26.34 26.26 26.36
Common Dividends Declared per Share 0 0 0 0 0
EPS after Extra 0.45 0.55 (0.22) (0.06) 0.56
EPS after Extra Growth(%) (19.60) 25 NM NM (56.60)
Core EPS 0.64 0.56 0.36 0.20 0.26
Core EPS Growth(%) 151.10 71.60 0.40 227 NA
Diluted EPS before Amortization 0.47 0.57 (0.20) (0.05) 0.57
Pre-Provision Earnings per Share 0.55 0.51 0.32 0.23 0.31
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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