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Financial Highlights Report

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 4,921,520 4,448,757 10.63 4,714,535 17.56
Total Net Loans 3,660,142 3,167,177 15.56 3,411,495 29.15
Total Deposits 3,814,647 3,619,142 5.40 3,836,576 (2.29)
Equity Attributable to Parent Company 497,154 439,985 12.99 475,205 18.48
Total Equity 497,154 439,985 12.99 475,205 18.48
Profitability (%)
Net Income($000) 14,208 6,547 117.02 10,653 133.48
Net Income Attributable to Parent($000) 14,208 6,547 117.02 10,653 133.48
ROAA 1.19 0.58 61 bp 0.90 29 bp
Core ROAA 1.20 1.27 (7) bp 0.90 30 bp
ROAE 11.50 5.69 581 bp 9.04 246 bp
ROATCE 14.57 7.48 709 bp 11.68 289 bp
Core ROAE 11.62 12.36 (74) bp 9.04 258 bp
Net Interest Margin 3.26 3.32 (6) bp 3.27 (1) bp
Reported: Net Interest Margin 3.26 3.32 (6) bp 3.30 (4) bp
Efficiency Ratio 56.93 54.22 271 bp 58.20 (127) bp
Noninterest Inc/ Operating Rev 19.12 12.57 655 bp 12.72 640 bp
Balance Sheet Ratios (%)
Loans/ Deposits 96.48 88.35 813 bp 89.40 708 bp
Securities/ Assets 16.35 19.14 (279) bp 17.22 (87) bp
Total Equity/ Total Assets 10.10 9.89 21 bp 10.08 2 bp
Tangible Equity/ Tangible Assets 8.08 7.63 45 bp 7.96 12 bp
Tang Common Equity/ Tang Assets 8.08 7.63 45 bp 7.96 12 bp
Asset Quality (%)
NPAs/ Assets NA 0.42 NA 0.48 NA
NPA Excl Restructured/ Assets 0.09 0.05 4 bp 0.12 (3) bp
NPAs & 90+ PD/ Assets NA 0.43 NA 0.48 NA
NPAs/ Loans & REO NA 0.59 NA 0.65 NA
Nonaccrual & 90+ & OREO/ Assets 0.10 0.05 5 bp 0.12 (2) bp
NPAs & 90+ PD/ Loans & REO NA 0.60 NA 0.66 NA
NPA & Loans 90+/ Tangible Common Equity + LLR NA 5.27 NA 5.72 NA
NCOs/ Avg Loans 0 0 0 bp 0.48 (48) bp
Loan Loss Reserves/ Gross Loans 0.89 1 (11) bp 0.91 (2) bp
Reserves/ NPAs NA 169.34 NA 139.10 NA
Loan Loss Provision/ NCO NM NM NM 85.10 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 350,173 NA 376,450 NA
Tier 1 Capital($000) NA 350,173 NA 376,450 NA
Tier 2 Capital($000) NA 112,145 NA 111,447 NA
Total Capital($000) NA 462,318 NA 487,897 NA
Total Risk-weighted Assets($000) NA 3,390,121 NA 3,657,848 NA
Tier 1 Common Capital (CET1) Ratio(%) 10.20 10.33 (13) bp 10.29 (9) bp
Tier 1 Ratio(%) 10.20 10.33 (13) bp 10.29 (9) bp
Total Capital Ratio(%) 13.10 13.64 (54) bp 13.34 (24) bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.50 8 50 bp 8.10 40 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 19,837,000 19,789,073 0.24 19,834,416 0.05
Avg Diluted Shares(actual) 19,578,000 19,485,000 0.48 19,565,000 0.27
Basic Book Value per Share 25.06 22.23 12.73 23.96 18.36
Book Value per Share, As Reported 25.06 22.23 12.73 23.96 18.36
Basic Tangible Book Value per Share 19.60 16.72 17.22 18.48 24.24
Tangible Book Value per Share, As Reported 19.54 16.64 17.43 18.41 24.55
Common Dividends Declared per Share 0.23 0.23 0 0.23 0
EPS after Extra 0.71 0.33 115.15 0.53 135.85
EPS after Extra Growth(%) 1.40 (31.30) 3,268 bp 55.90 (5,445) bp
Core EPS 0.72 0.73 (1.37) 0.53 143.40
Core EPS Growth(%) 0.30 51.30 (5,095) bp (21.10) 2,148 bp
Diluted EPS before Amortization 0.72 0.34 111.76 0.54 133.33
Pre-Provision Earnings per Share 0.74 0.71 4.23 0.66 48.48

   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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