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Financial Highlights Report

Financial Highlights
2019 FQ4
12/31/2019
2018 FQ4
12/31/2018
Y-Y Ch (%)
2019 FQ3
9/30/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 4,921,520 4,700,744 4.70 4,736,021 15.67
Total Net Loans 3,660,142 3,244,393 12.81 3,488,802 19.64
Total Deposits 3,814,647 3,886,393 (1.85) 3,743,283 7.63
Equity Attributable to Parent Company 497,154 453,830 9.55 486,403 8.84
Total Equity 497,154 453,830 9.55 486,403 8.84
Profitability (%)
Net Income($000) 14,208 13,864 2.48 13,903 8.78
Net Income Attributable to Parent($000) 14,208 13,864 2.48 13,903 8.78
ROAA 1.19 1.23 (4) bp 1.18 1 bp
Core ROAA 1.20 1.25 (5) bp 1.19 1 bp
ROAE 11.50 12.42 (92) bp 11.53 (3) bp
ROATCE 14.57 16.28 (171) bp 14.72 (15) bp
Core ROAE 11.62 12.68 (106) bp 11.65 (3) bp
Net Interest Margin 3.26 3.26 0 bp 3.41 (15) bp
Reported: Net Interest Margin 3.26 3.26 0 bp 3.40 (14) bp
Efficiency Ratio 56.93 55.16 177 bp 55.79 114 bp
Noninterest Inc/ Operating Rev 19.12 13.04 608 bp 14.53 459 bp
Balance Sheet Ratios (%)
Loans/ Deposits 96.48 84.29 1,219 bp 93.72 276 bp
Securities/ Assets 16.35 18.40 (205) bp 16.45 (10) bp
Total Equity/ Total Assets 10.10 9.65 45 bp 10.27 (17) bp
Tangible Equity/ Tangible Assets 8.08 7.51 57 bp 8.17 (9) bp
Tang Common Equity/ Tang Assets 8.08 7.51 57 bp 8.17 (9) bp
Asset Quality (%)
NPAs/ Assets 0.62 0.42 20 bp 0.74 (12) bp
NPA Excl Restructured/ Assets 0.09 0.06 3 bp 0.09 0 bp
NPAs & 90+ PD/ Assets 0.63 0.43 20 bp 0.75 (12) bp
NPAs/ Loans & REO 0.83 0.61 22 bp 1 (17) bp
Nonaccrual & 90+ & OREO/ Assets 0.10 0.07 3 bp 0.10 0 bp
NPAs & 90+ PD/ Loans & REO 0.84 0.62 22 bp 1.01 (17) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 7.36 5.37 199 bp 8.67 (131) bp
NCOs/ Avg Loans 0 0.11 (11) bp 0 0 bp
Loan Loss Reserves/ Gross Loans 0.89 0.96 (7) bp 0.91 (2) bp
Reserves/ NPAs 106.76 157.91 (5,115) bp 91.37 1,539 bp
Loan Loss Provision/ NCO NM 47 NM NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 397,800 360,688 10.29 386,808 11.37
Tier 1 Capital($000) 397,800 360,688 10.29 386,808 11.37
Tier 2 Capital($000) 113,062 111,694 1.22 112,449 2.18
Total Capital($000) 510,862 472,382 8.15 499,257 9.30
Total Risk-weighted Assets($000) 3,913,808 3,463,014 13.02 3,723,054 20.49
Tier 1 Common Capital (CET1) Ratio(%) 10.16 10.42 (26) bp 10.39 (23) bp
Tier 1 Ratio(%) 10.16 10.42 (26) bp 10.39 (23) bp
Total Capital Ratio(%) 13.05 13.64 (59) bp 13.41 (36) bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.49 8.12 37 bp 8.40 9 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 19,836,797 19,790,884 0.23 19,829,830 0.14
Avg Diluted Shares(actual) 19,578,000 19,492,000 0.44 19,568,000 0.20
Basic Book Value per Share 25.06 22.93 9.29 24.53 8.64
Book Value per Share, As Reported 25.06 22.93 9.29 24.53 8.64
Basic Tangible Book Value per Share 19.60 17.42 12.51 19.06 11.33
Tangible Book Value per Share, As Reported 19.54 17.36 12.56 18.99 11.59
Common Dividends Declared per Share 0.23 0.23 0 0.23 0
EPS after Extra 0.71 0.70 1.43 0.70 5.71
EPS after Extra Growth(%) 1.40 NM NM 112.10 (11,069) bp
Core EPS 0.72 0.71 1.41 0.71 5.63
Core EPS Growth(%) 0.30 121.20 (12,086) bp (2.50) 286 bp
Diluted EPS before Amortization 0.72 0.71 1.41 0.71 5.63
Pre-Provision Earnings per Share 0.74 0.69 7.25 0.75 (5.33)

   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.


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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