Financial Highlights


Financial Highlights
2020 FQ2
6/30/2020
2019 FQ2
6/30/2019
Y-Y Ch (%)
2020 FQ1
3/31/2020
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 2,932,436 2,623,606 11.77 2,656,810 41.50
Total Net Loans 2,030,479 1,888,713 7.51 1,937,208 19.26
Total Deposits 2,451,317 2,077,774 17.98 2,195,642 46.58
Equity Attributable to Parent Company 282,516 257,264 9.82 265,777 25.19
Total Equity 282,516 257,264 9.82 265,777 25.19
Profitability (%)
Net Income($000) 9,238 9,278 (0.43) 275 13,037.09
Net Income Attributable to Parent($000) 9,238 9,278 (0.43) 275 13,037.09
ROAA 1.29 1.41 (12) bp 0.04 125 bp
Core ROAA 1.30 1.30 0 bp 0.06 124 bp
ROAE 13.50 14.83 (133) bp 0.39 1,311 bp
ROATCE 14.78 16.40 (162) bp 0.57 1,421 bp
Core ROAE 13.57 13.73 (16) bp 0.56 1,301 bp
Net Interest Margin 3.46 4.14 (68) bp 3.75 (29) bp
Reported: Net Interest Margin 3.48 4.15 (67) bp 3.77 (29) bp
Efficiency Ratio 55.25 60.82 (557) bp 70.21 (1,496) bp
Noninterest Inc/ Operating Rev 31.90 22.43 947 bp 21.88 1,002 bp
Balance Sheet Ratios (%)
Loans/ Deposits 83.72 91.59 (787) bp 89.14 (542) bp
Securities/ Assets 15.60 19.16 (356) bp 17.30 (170) bp
Total Equity/ Total Assets 9.63 9.81 (18) bp 10 (37) bp
Tangible Equity/ Tangible Assets 8.98 9.06 (8) bp 9.28 (30) bp
Tang Common Equity/ Tang Assets 8.98 9.06 (8) bp 9.28 (30) bp
Asset Quality (%)
NPAs/ Assets 0.83 0.83 0 bp 0.96 (13) bp
NPA Excl Restructured/ Assets 0.80 0.77 3 bp 0.92 (12) bp
NPAs & 90+ PD/ Assets 0.86 0.83 3 bp 1.01 (15) bp
NPAs/ Loans & REO 1.18 1.13 5 bp 1.29 (11) bp
Nonaccrual & 90+ & OREO/ Assets 0.83 0.77 6 bp 0.98 (15) bp
NPAs & 90+ PD/ Loans & REO 1.22 1.13 9 bp 1.36 (14) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 8.62 8.50 12 bp 9.79 (117) bp
NCOs/ Avg Loans 0.03 0.08 (5) bp 0.23 (20) bp
Loan Loss Reserves/ Gross Loans 1.52 1.02 50 bp 1.53 (1) bp
Reserves/ NPAs 128.15 89.34 3,881 bp 117.92 1,023 bp
Loan Loss Provision/ NCO NM 114.21 NM NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 260,384 226,851 14.78 251,168 14.68
Tier 1 Capital($000) 285,384 283,476 0.67 276,168 13.35
Tier 2 Capital($000) 27,996 19,368 44.55 27,014 14.54
Total Capital($000) 313,380 302,844 3.48 303,182 13.45
Total Risk-weighted Assets($000) 2,302,246 2,209,976 4.18 2,314,912 (2.19)
Tier 1 Common Capital (CET1) Ratio(%) 11.31 10.26 105 bp 10.85 46 bp
Tier 1 Ratio(%) 12.39 12.83 (44) bp 11.93 46 bp
Total Capital Ratio(%) 13.63 13.70 (7) bp 13.09 54 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.06 10.85 (79) bp 10.57 (51) bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 29,589,341 29,896,529 (1.03) 29,706,390 (1.58)
Avg Diluted Shares(actual) 30,194,007 30,389,892 (0.64) 30,490,605 (3.89)
Basic Book Value per Share 9.55 8.61 10.92 8.95 26.82
Book Value per Share, As Reported NA NA NA NA NA
Basic Tangible Book Value per Share 8.84 7.88 12.18 8.23 29.65
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 0.31 0.31 0 0.01 12,000
EPS after Extra Growth(%) 0 47.60 (4,762) bp (96.40) 9,643 bp
Core EPS 0.31 0.29 6.90 0.01 12,000
Core EPS Growth(%) 8.50 0.30 821 bp (94.90) 10,346 bp
Diluted EPS before Amortization 0.31 0.31 0 0.01 12,000
Pre-Provision Earnings per Share 0.38 0.31 22.58 0.23 260.87

   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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