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Financial Highlights Report

Financial Highlights
2020 FQ1
3/31/2020
2019 FQ1
3/31/2019
Y-Y Ch (%)
2019 FQ4
12/31/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 5,060,872 4,675,209 8.25 4,921,520 11.33
Total Net Loans 3,735,558 3,359,320 11.20 3,660,142 8.24
Total Deposits 4,055,735 3,725,464 8.87 3,814,647 25.28
Equity Attributable to Parent Company 493,253 465,003 6.08 497,154 (3.14)
Total Equity 493,253 465,003 6.08 497,154 (3.14)
Profitability (%)
Net Income($000) 9,348 12,927 (27.69) 14,208 (136.82)
Net Income Attributable to Parent($000) 9,348 12,927 (27.69) 14,208 (136.82)
ROAA 0.75 1.11 (36) bp 1.19 (44) bp
Core ROAA 0.76 1.13 (37) bp 1.20 (44) bp
ROAE 7.45 11.25 (380) bp 11.50 (405) bp
ROATCE 9.45 14.63 (518) bp 14.57 (512) bp
Core ROAE 7.58 11.40 (382) bp 11.62 (404) bp
Net Interest Margin 3.22 3.22 0 bp 3.26 (4) bp
Reported: Net Interest Margin 3.26 3.29 (3) bp 3.26 0 bp
Efficiency Ratio 58.74 56.43 231 bp 56.93 181 bp
Noninterest Inc/ Operating Rev 12.49 13.20 (71) bp 19.12 (663) bp
Balance Sheet Ratios (%)
Loans/ Deposits 92.76 91.03 173 bp 96.48 (372) bp
Securities/ Assets 13.91 18.93 (502) bp 16.35 (244) bp
Total Equity/ Total Assets 9.75 9.95 (20) bp 10.10 (35) bp
Tangible Equity/ Tangible Assets 7.78 7.80 (2) bp 8.08 (30) bp
Tang Common Equity/ Tang Assets 7.78 7.80 (2) bp 8.08 (30) bp
Asset Quality (%)
NPAs/ Assets 0.62 0.42 20 bp 0.62 0 bp
NPA Excl Restructured/ Assets 0.09 0.07 2 bp 0.09 0 bp
NPAs & 90+ PD/ Assets 0.63 0.42 21 bp 0.63 0 bp
NPAs/ Loans & REO 0.83 0.58 25 bp 0.83 0 bp
Nonaccrual & 90+ & OREO/ Assets 0.10 0.08 2 bp 0.10 0 bp
NPAs & 90+ PD/ Loans & REO 0.84 0.59 25 bp 0.84 0 bp
NPA & Loans 90+/ Tangible Common Equity + LLR 7.51 5.12 239 bp 7.36 15 bp
NCOs/ Avg Loans 0.02 0.03 (1) bp 0 2 bp
Loan Loss Reserves/ Gross Loans 1.04 0.94 10 bp 0.89 15 bp
Reserves/ NPAs 124.46 162.61 (3,815) bp 106.76 1,770 bp
Loan Loss Provision/ NCO NM 256.41 NM NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 399,290 369,529 8.05 397,800 1.50
Tier 1 Capital($000) 399,290 369,529 8.05 397,800 1.50
Tier 2 Capital($000) 117,272 112,060 4.65 113,062 14.89
Total Capital($000) 516,562 481,589 7.26 510,862 4.46
Total Risk-weighted Assets($000) 4,002,649 3,608,009 10.94 3,913,808 9.08
Tier 1 Common Capital (CET1) Ratio(%) 9.98 10.24 (26) bp 10.16 (18) bp
Tier 1 Ratio(%) 9.98 10.24 (26) bp 10.16 (18) bp
Total Capital Ratio(%) 12.91 13.35 (44) bp 13.05 (14) bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.19 8.11 8 bp 8.49 (30) bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 19,722,299 19,847,705 (0.63) 19,836,797 (2.31)
Avg Diluted Shares(actual) 19,566,000 19,526,000 0.20 19,578,000 (0.25)
Basic Book Value per Share 25.01 23.43 6.74 25.06 (0.80)
Book Value per Share, As Reported 25.01 23.43 6.74 25.06 (0.80)
Basic Tangible Book Value per Share 19.53 17.94 8.86 19.60 (1.43)
Tangible Book Value per Share, As Reported 19.46 17.88 8.84 19.54 (1.64)
Common Dividends Declared per Share 0.24 0.23 4.35 0.23 17.39
EPS after Extra 0.47 0.65 (27.69) 0.71 (135.21)
EPS after Extra Growth(%) (27.70) 6.60 (3,425) bp 1.40 (2,912) bp
Core EPS 0.48 0.66 (27.27) 0.72 (133.33)
Core EPS Growth(%) (27.40) 6.20 (3,366) bp 0.30 (2,778) bp
Diluted EPS before Amortization 0.48 0.66 (27.27) 0.72 (133.33)
Pre-Provision Earnings per Share 0.68 0.67 1.49 0.74 (32.43)

   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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