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HomeStreet Bank


Financial Highlights

Financial Highlights
2020 FQ1
3/31/2020
2019 FQ4
12/31/2019
2019 FQ3
9/30/2019
2019 FQ2
6/30/2019
2019 FQ1
3/31/2019
Balance Sheet ($000)
Total Assets 6,806,718 6,812,435 6,835,878 7,200,790 7,171,405
Total Net Loans 5,175,457 5,280,961 5,312,066 5,433,111 5,402,897
Total Deposits 5,257,057 5,339,959 5,804,307 5,590,893 5,178,334
Equity Attributable to Parent Company 677,314 679,723 691,136 671,175 747,031
Total Equity 677,314 679,723 691,136 671,175 747,031
Profitability (%)
Net Income($000) 7,139 10,988 13,827 (5,588) (1,715)
Net Income Attributable to Parent($000) 7,139 10,988 13,827 (5,588) (1,715)
ROAA 0.42 0.64 0.79 (0.31) (0.10)
Core ROAA 0.49 0.91 0.81 0.56 0.32
ROAE 4.13 6.27 7.98 (3.02) (0.91)
ROATCE 4.51 6.79 8.43 (3.16) (0.81)
Core ROAE 4.80 8.96 8.17 5.49 3.05
Net Interest Margin 2.96 2.88 2.93 2.94 2.94
Reported: Net Interest Margin 2.93 2.87 2.96 3.11 3.11
Efficiency Ratio 67.99 74.02 76.82 82.89 84.61
Noninterest Inc/ Operating Rev 41.72 32.40 34.29 28.59 14.92
Balance Sheet Ratios (%)
Loans/ Deposits 96.88 95.78 89.29 95.35 104.07
Securities/ Assets 16.09 14.34 13 11.67 12
Total Equity/ Total Assets 9.95 9.98 10.11 9.32 10.42
Tangible Equity/ Tangible Assets 9.50 9.52 9.63 8.86 9.95
Tang Common Equity/ Tang Assets 9.50 9.52 9.63 8.86 9.95
Asset Quality (%)
NPAs/ Assets 0.35 0.36 0.36 0.33 0.51
NPA Excl Restructured/ Assets 0.19 0.19 0.19 0.14 0.21
NPAs & 90+ PD/ Assets 0.35 0.36 0.36 0.35 0.51
NPAs/ Loans & REO 0.46 0.47 0.47 0.44 0.67
Nonaccrual & 90+ & OREO/ Assets 0.19 0.19 0.19 0.16 0.21
NPAs & 90+ PD/ Loans & REO 0.46 0.47 0.47 0.46 0.67
NPA & Loans 90+/ Tangible Common Equity + LLR 3.44 3.60 3.57 3.70 4.87
NCOs/ Avg Loans 0 (0.02) 0 (0.01) (0.01)
Loan Loss Reserves/ Gross Loans 1.11 0.78 0.81 0.79 0.79
Reserves/ NPAs 241.70 168.72 174.17 180.84 117.74
Loan Loss Provision/ NCO NM NM NM NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 625,710 631,323 636,806 674,860 709,821
Tier 1 Capital($000) 685,710 691,323 696,762 734,823 769,783
Tier 2 Capital($000) 66,010 48,489 50,441 50,515 50,482
Total Capital($000) 751,720 739,812 747,203 785,338 820,265
Total Risk-weighted Assets($000) 5,567,854 5,522,728 5,456,964 5,628,362 5,626,399
Tier 1 Common Capital (CET1) Ratio(%) 11.24 11.43 11.67 11.99 12.62
Tier 1 Ratio(%) 12.32 12.52 12.77 13.06 13.68
Total Capital Ratio(%) 13.50 13.40 13.69 13.95 14.58
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.15 10.16 10.04 10.12 10.73
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 23,376,793 23,890,855 24,408,513 26,085,164 27,038,257
Avg Diluted Shares(actual) 23,860,280 24,469,891 24,625,938 26,802,130 27,185,175
Basic Book Value per Share 28.97 28.45 28.32 25.73 27.63
Book Value per Share, As Reported 28.97 28.45 28.32 27.75 27.63
Basic Tangible Book Value per Share 27.52 27.02 26.83 24.32 26.26
Tangible Book Value per Share, As Reported 27.52 27.02 26.83 26.34 26.26
Common Dividends Declared per Share 0.15 0 0 0 0
EPS after Extra 0.30 0.45 0.55 (0.22) (0.06)
EPS after Extra Growth(%) NM (19.60) 25 NM NM
Core EPS 0.35 0.64 0.56 0.36 0.20
Core EPS Growth(%) 74.40 151.10 71.60 0.40 227
Diluted EPS before Amortization 0.31 0.47 0.57 (0.20) (0.05)
Pre-Provision Earnings per Share 0.80 0.55 0.51 0.32 0.23
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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