Financial Highlights


Financial Highlights
2019 FQ4
12/31/2019
2018 FQ3
9/30/2018
Y-Y Ch (%)
2019 FQ2
6/30/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 2,635,545 2,612,473 0.88 2,623,606 1.82
Total Net Loans 1,914,084 1,818,532 5.25 1,888,713 5.37
Total Deposits 2,126,749 2,132,370 (0.26) 2,077,774 9.43
Equity Attributable to Parent Company 277,864 218,130 27.38 257,264 32.03
Total Equity 277,864 218,130 27.38 257,264 32.03
Profitability (%)
Net Income($000) 9,536 9,642 (1.10) 9,278 11.12
Net Income Attributable to Parent($000) 9,536 9,642 (1.10) 9,278 11.12
ROAA 1.46 1.47 (1) bp 1.41 5 bp
Core ROAA 1.37 1.48 (11) bp 1.30 7 bp
ROAE 13.86 17.98 (412) bp 14.83 (97) bp
ROATCE 15.19 20.25 (506) bp 16.40 (121) bp
Core ROAE 12.97 18.03 (506) bp 13.73 (76) bp
Net Interest Margin 3.89 4.03 (14) bp 4.14 (25) bp
Reported: Net Interest Margin 3.86 4 (14) bp 4.15 (29) bp
Efficiency Ratio 61.41 59.29 212 bp 60.82 59 bp
Noninterest Inc/ Operating Rev 26.44 24.73 171 bp 22.43 401 bp
Balance Sheet Ratios (%)
Loans/ Deposits 90.79 86.05 474 bp 91.59 (80) bp
Securities/ Assets 18.77 21.16 (239) bp 19.16 (39) bp
Total Equity/ Total Assets 10.54 8.35 219 bp 9.81 73 bp
Tangible Equity/ Tangible Assets 9.81 7.57 224 bp 9.06 75 bp
Tang Common Equity/ Tang Assets 9.81 7.57 224 bp 9.06 75 bp
Asset Quality (%)
NPAs/ Assets 0.69 0.80 (11) bp 0.83 (14) bp
NPA Excl Restructured/ Assets 0.66 0.74 (8) bp 0.77 (11) bp
NPAs & 90+ PD/ Assets 0.79 0.81 (2) bp 0.83 (4) bp
NPAs/ Loans & REO 0.94 1.14 (20) bp 1.13 (19) bp
Nonaccrual & 90+ & OREO/ Assets 0.76 0.74 2 bp 0.77 (1) bp
NPAs & 90+ PD/ Loans & REO 1.08 1.14 (6) bp 1.13 (5) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 7.55 9.76 (221) bp 8.50 (95) bp
NCOs/ Avg Loans 0 0 0 bp 0.08 (8) bp
Loan Loss Reserves/ Gross Loans 1.02 1.05 (3) bp 1.02 0 bp
Reserves/ NPAs 108.09 92.20 1,589 bp 89.34 1,875 bp
Loan Loss Provision/ NCO NM NM NM 114.21 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 196,632 NA 226,851 NA
Tier 1 Capital($000) NA 251,653 NA 283,476 NA
Tier 2 Capital($000) NA 19,323 NA 19,368 NA
Total Capital($000) NA 270,976 NA 302,844 NA
Total Risk-weighted Assets($000) NA 2,156,215 NA 2,209,976 NA
Tier 1 Common Capital (CET1) Ratio(%) 11.14 9.12 202 bp 10.26 88 bp
Tier 1 Ratio(%) 13.65 11.67 198 bp 12.83 82 bp
Total Capital Ratio(%) 14.53 12.57 196 bp 13.70 83 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.93 9.72 221 bp 10.85 108 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 29,931,809 29,747,078 0.62 29,896,529 0.47
Avg Diluted Shares(actual) 30,491,667 30,383,891 0.35 30,389,892 1.34
Basic Book Value per Share 9.28 7.33 26.60 8.61 31.13
Book Value per Share, As Reported NA 7.33 NA NA NA
Basic Tangible Book Value per Share 8.57 6.60 29.85 7.88 35.03
Tangible Book Value per Share, As Reported NA 6.62 NA NA NA
Common Dividends Declared per Share 0.01 0.01 0 0.01 0
EPS after Extra 0.31 0.32 (3.13) 0.31 0
EPS after Extra Growth(%) 10.70 18.50 (781) bp 47.60 (3,691) bp
Core EPS 0.29 0.32 (9.38) 0.29 0
Core EPS Growth(%) 0.60 19.70 (1,912) bp 0.30 22 bp
Diluted EPS before Amortization 0.31 0.32 (3.13) 0.31 0
Pre-Provision Earnings per Share 0.30 0.33 (9.09) 0.31 (12.90)

   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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