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Financial Highlights Report

Financial Highlights
2019 FQ1
3/31/2019
2018 FQ1
3/31/2018
Y-Y Ch (%)
2018 FQ4
12/31/2018
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 4,675,209 4,500,624 3.88 4,700,744 (2.17)
Total Net Loans 3,359,320 3,169,085 6 3,244,393 14.17
Total Deposits 3,725,464 3,431,245 8.57 3,886,393 (16.56)
Equity Attributable to Parent Company 465,003 433,323 7.31 453,830 9.85
Total Equity 465,003 433,323 7.31 453,830 9.85
Profitability (%)
Net Income($000) 12,927 12,073 7.07 13,864 (27.03)
Net Income Attributable to Parent($000) 12,927 12,073 7.07 13,864 (27.03)
ROAA 1.11 1.08 3 bp 1.23 (12) bp
Core ROAA 1.13 1.10 3 bp 1.25 (12) bp
ROAE 11.25 10.71 54 bp 12.42 (117) bp
ROATCE NA 14.09 NA 16.28 NA
Core ROAE 11.40 10.89 51 bp 12.68 (128) bp
Net Interest Margin 3.22 3.34 (12) bp 3.26 (4) bp
Reported: Net Interest Margin 3.29 3.42 (13) bp 3.26 3 bp
Efficiency Ratio 56.43 57.58 (115) bp 55.16 127 bp
Noninterest Inc/ Operating Rev 13.20 10.64 256 bp 13.04 16 bp
Balance Sheet Ratios (%)
Loans/ Deposits 91.03 93.32 (229) bp 84.29 674 bp
Securities/ Assets 18.93 20.85 (192) bp 18.40 53 bp
Total Equity/ Total Assets 9.95 9.63 32 bp 9.65 30 bp
Tangible Equity/ Tangible Assets NA 7.37 NA 7.51 NA
Tang Common Equity/ Tang Assets NA 7.37 NA 7.51 NA
Asset Quality (%)
NPAs/ Assets 0.42 0.65 (23) bp 0.42 0 bp
NPA Excl Restructured/ Assets 0.07 0.14 (7) bp 0.06 1 bp
NPAs & 90+ PD/ Assets 0.42 0.71 (29) bp 0.43 (1) bp
NPAs/ Loans & REO 0.58 0.92 (34) bp 0.61 (3) bp
Nonaccrual & 90+ & OREO/ Assets 0.08 0.20 (12) bp 0.07 1 bp
NPAs & 90+ PD/ Loans & REO 0.59 1 (41) bp 0.62 (3) bp
NPA & Loans 90+/ Tangible Common Equity + LLR NA 9 NA 5.37 NA
NCOs/ Avg Loans 0.03 (0.04) 7 bp 0.11 (8) bp
Loan Loss Reserves/ Gross Loans 0.94 1.02 (8) bp 0.96 (2) bp
Reserves/ NPAs 162.61 111.43 5,118 bp 157.91 470 bp
Loan Loss Provision/ NCO 256.41 NM NM 47 20,941 bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 369,529 343,502 7.58 360,688 9.80
Tier 1 Capital($000) 369,529 343,502 7.58 360,688 9.80
Tier 2 Capital($000) 112,060 113,088 (0.91) 111,694 1.31
Total Capital($000) 481,589 456,590 5.48 472,382 7.80
Total Risk-weighted Assets($000) 3,622,833 3,444,851 5.17 3,463,014 18.46
Tier 1 Common Capital (CET1) Ratio(%) 10.20 9.97 23 bp 10.42 (22) bp
Tier 1 Ratio(%) 10.20 9.97 23 bp 10.42 (22) bp
Total Capital Ratio(%) 13.30 13.25 5 bp 13.64 (34) bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.10 7.86 24 bp 8.12 (2) bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 19,847,705 19,779,699 0.34 19,790,884 1.15
Avg Diluted Shares(actual) 19,526,000 19,438,000 0.45 19,492,000 0.70
Basic Book Value per Share 23.43 21.91 6.94 22.93 8.72
Book Value per Share, As Reported 23.43 21.91 6.94 22.93 8.72
Basic Tangible Book Value per Share NA 16.37 NA 17.42 NA
Tangible Book Value per Share, As Reported 17.88 16.30 9.69 17.36 11.98
Common Dividends Declared per Share 0.23 0.23 0 0.23 0
EPS after Extra 0.65 0.61 6.56 0.70 (28.57)
EPS after Extra Growth(%) 6.60 29.80 (2,323) bp NM NM
Core EPS 0.66 0.62 6.45 0.71 (28.17)
Core EPS Growth(%) 6.20 29.30 (2,309) bp 121.20 (11,498) bp
Diluted EPS before Amortization 0.66 0.62 6.45 0.71 (28.17)
Pre-Provision Earnings per Share 0.67 0.64 4.69 0.69 (11.59)

   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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