Financial Highlights


Financial Highlights
2020 FQ1
3/31/2020
2019 FQ1
3/31/2019
Y-Y Ch (%)
2019 FQ4
12/31/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 2,656,810 2,623,531 1.27 2,635,545 3.23
Total Net Loans 1,937,208 1,885,964 2.72 1,914,084 4.83
Total Deposits 2,195,642 2,123,512 3.40 2,126,749 12.96
Equity Attributable to Parent Company 265,777 243,255 9.26 277,864 (17.40)
Total Equity 265,777 243,255 9.26 277,864 (17.40)
Profitability (%)
Net Income($000) 275 8,468 (96.75) 9,536 (388.46)
Net Income Attributable to Parent($000) 275 8,468 (96.75) 9,536 (388.46)
ROAA 0.04 1.29 (125) bp 1.46 (142) bp
Core ROAA 0.06 1.30 (124) bp 1.37 (131) bp
ROAE 0.39 14.40 (1,401) bp 13.86 (1,347) bp
ROATCE 0.57 16.07 (1,550) bp 15.19 (1,462) bp
Core ROAE 0.56 14.55 (1,399) bp 12.97 (1,241) bp
Net Interest Margin 3.75 4.03 (28) bp 3.89 (14) bp
Reported: Net Interest Margin 3.77 4.09 (32) bp 3.86 (9) bp
Efficiency Ratio 70.21 61.22 899 bp 61.41 880 bp
Noninterest Inc/ Operating Rev 21.88 21.17 71 bp 26.44 (456) bp
Balance Sheet Ratios (%)
Loans/ Deposits 89.14 89.62 (48) bp 90.79 (165) bp
Securities/ Assets 17.30 19.83 (253) bp 18.77 (147) bp
Total Equity/ Total Assets 10 9.27 73 bp 10.54 (54) bp
Tangible Equity/ Tangible Assets 9.28 8.52 76 bp 9.81 (53) bp
Tang Common Equity/ Tang Assets 9.28 8.52 76 bp 9.81 (53) bp
Asset Quality (%)
NPAs/ Assets 0.96 0.90 6 bp 0.81 15 bp
NPA Excl Restructured/ Assets 0.92 0.84 8 bp 0.77 15 bp
NPAs & 90+ PD/ Assets 1.01 0.90 11 bp 0.91 10 bp
NPAs/ Loans & REO 1.29 1.23 6 bp 1.10 19 bp
Nonaccrual & 90+ & OREO/ Assets 0.98 0.84 14 bp 0.87 11 bp
NPAs & 90+ PD/ Loans & REO 1.36 1.23 13 bp 1.23 13 bp
NPA & Loans 90+/ Tangible Common Equity + LLR 9.79 9.77 2 bp 8.65 114 bp
NCOs/ Avg Loans 0.23 0.03 20 bp 0 23 bp
Loan Loss Reserves/ Gross Loans 1.53 1.01 52 bp 1.02 51 bp
Reserves/ NPAs 117.92 82.09 3,583 bp 93.03 2,489 bp
Loan Loss Provision/ NCO NM 321.43 NM NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 251,168 216,215 16.17 251,477 (0.49)
Tier 1 Capital($000) 276,168 272,840 1.22 308,102 (41.46)
Tier 2 Capital($000) 27,014 19,311 39.89 19,784 146.18
Total Capital($000) 303,182 292,151 3.78 327,886 (30.14)
Total Risk-weighted Assets($000) 2,314,912 2,217,590 4.39 2,256,462 10.36
Tier 1 Common Capital (CET1) Ratio(%) 10.85 9.75 110 bp 11.14 (29) bp
Tier 1 Ratio(%) 11.93 12.30 (37) bp 13.65 (172) bp
Total Capital Ratio(%) 13.09 13.17 (8) bp 14.53 (144) bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.57 10.44 13 bp 11.93 (136) bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 29,706,390 29,895,022 (0.63) 29,931,809 (3.01)
Avg Diluted Shares(actual) 30,490,605 30,343,631 0.48 30,491,667 (0.01)
Basic Book Value per Share 8.95 8.14 9.95 9.28 (14.22)
Book Value per Share, As Reported NA NA NA 9.28 NA
Basic Tangible Book Value per Share 8.23 7.41 11.07 8.57 (15.87)
Tangible Book Value per Share, As Reported NA NA NA NA NA
Common Dividends Declared per Share 0.01 0.01 0 0.01 0
EPS after Extra 0.01 0.28 (96.43) 0.31 (387.10)
EPS after Extra Growth(%) (96.40) (9.70) (8,675) bp 10.70 (10,714) bp
Core EPS 0.01 0.28 (96.43) 0.29 (386.21)
Core EPS Growth(%) (94.90) (2.30) (9,258) bp 0.60 (9,547) bp
Diluted EPS before Amortization 0.01 0.28 (96.43) 0.31 (387.10)
Pre-Provision Earnings per Share 0.23 0.30 (23.33) 0.30 (93.33)

   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.


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