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Financial Highlights Report

Financial Highlights
2019 FQ2
6/30/2019
2018 FQ2
6/30/2018
Y-Y Ch (%)
2019 FQ1
3/31/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 4,714,535 4,414,785 6.79 4,675,209 3.36
Total Net Loans 3,411,495 3,155,362 8.12 3,359,320 6.21
Total Deposits 3,836,576 3,553,197 7.98 3,725,464 11.93
Equity Attributable to Parent Company 475,205 439,755 8.06 465,003 8.78
Total Equity 475,205 439,755 8.06 465,003 8.78
Profitability (%)
Net Income($000) 10,653 6,743 57.99 12,927 (70.36)
Net Income Attributable to Parent($000) 10,653 6,743 57.99 12,927 (70.36)
ROAA 0.90 0.60 30 bp 1.11 (21) bp
Core ROAA 0.90 1.17 (27) bp 1.13 (23) bp
ROAE 9.04 5.95 309 bp 11.25 (221) bp
ROATCE 11.68 7.89 379 bp 14.63 (295) bp
Core ROAE 9.04 11.64 (260) bp 11.40 (236) bp
Net Interest Margin 3.27 3.28 (1) bp 3.22 5 bp
Reported: Net Interest Margin 3.30 3.31 (1) bp 3.29 1 bp
Efficiency Ratio 58.03 56.47 156 bp 56.43 160 bp
Noninterest Inc/ Operating Rev 12.98 13.61 (63) bp 13.20 (22) bp
Balance Sheet Ratios (%)
Loans/ Deposits 89.40 89.52 (12) bp 91.03 (163) bp
Securities/ Assets 17.22 19.38 (216) bp 18.93 (171) bp
Total Equity/ Total Assets 10.08 9.96 12 bp 9.95 13 bp
Tangible Equity/ Tangible Assets 7.96 7.68 28 bp 7.80 16 bp
Tang Common Equity/ Tang Assets 7.96 7.68 28 bp 7.80 16 bp
Asset Quality (%)
NPAs/ Assets 0.48 0.39 9 bp 0.42 6 bp
NPA Excl Restructured/ Assets 0.12 0.04 8 bp 0.07 5 bp
NPAs & 90+ PD/ Assets 0.48 0.41 7 bp 0.42 6 bp
NPAs/ Loans & REO 0.65 0.54 11 bp 0.58 7 bp
Nonaccrual & 90+ & OREO/ Assets 0.12 0.06 6 bp 0.08 4 bp
NPAs & 90+ PD/ Loans & REO 0.66 0.57 9 bp 0.59 7 bp
NPA & Loans 90+/ Tangible Common Equity + LLR 5.72 5.03 69 bp 5.12 60 bp
NCOs/ Avg Loans 0.48 0.19 29 bp 0.03 45 bp
Loan Loss Reserves/ Gross Loans 0.91 0.99 (8) bp 0.94 (3) bp
Reserves/ NPAs 139.10 183.23 (4,413) bp 162.61 (2,351) bp
Loan Loss Provision/ NCO 85.10 25.64 5,946 bp 256.41 (17,131) bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 376,450 346,944 8.50 369,529 7.49
Tier 1 Capital($000) 376,450 346,944 8.50 369,529 7.49
Tier 2 Capital($000) 111,447 111,928 (0.43) 112,060 (2.19)
Total Capital($000) 487,897 458,872 6.33 481,589 5.24
Total Risk-weighted Assets($000) 3,657,848 3,387,494 7.98 3,608,009 5.53
Tier 1 Common Capital (CET1) Ratio(%) 10.29 10.24 5 bp 10.24 5 bp
Tier 1 Ratio(%) 10.29 10.24 5 bp 10.24 5 bp
Total Capital Ratio(%) 13.34 13.55 (21) bp 13.35 (1) bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.10 7.90 20 bp 8.11 (1) bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 19,834,416 19,785,889 0.25 19,847,705 (0.27)
Avg Diluted Shares(actual) 19,565,000 19,468,000 0.50 19,526,000 0.80
Basic Book Value per Share 23.96 22.23 7.78 23.43 9.05
Book Value per Share, As Reported 23.96 22.23 7.78 23.43 9.05
Basic Tangible Book Value per Share 18.48 16.70 10.66 17.94 12.04
Tangible Book Value per Share, As Reported 18.41 16.62 10.77 17.88 11.86
Common Dividends Declared per Share 0.23 0.23 0 0.23 0
EPS after Extra 0.53 0.34 55.88 0.65 (73.85)
EPS after Extra Growth(%) 55.90 (24.40) 8,032 bp 6.60 4,932 bp
Core EPS 0.53 0.67 (20.90) 0.66 (78.79)
Core EPS Growth(%) (21.10) 46.40 (6,756) bp 6.20 (2,736) bp
Diluted EPS before Amortization 0.54 0.35 54.29 0.66 (72.73)
Pre-Provision Earnings per Share 0.66 0.68 (2.94) 0.67 (5.97)

   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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