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Financial Highlights Report

Financial Highlights
2019 FQ3
9/30/2019
2018 FQ3
9/30/2018
Y-Y Ch (%)
2019 FQ2
6/30/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 4,736,021 4,448,757 6.46 4,714,535 1.82
Total Net Loans 3,488,802 3,167,177 10.15 3,411,495 9.06
Total Deposits 3,743,283 3,619,142 3.43 3,836,576 (9.73)
Equity Attributable to Parent Company 486,403 439,985 10.55 475,205 9.43
Total Equity 486,403 439,985 10.55 475,205 9.43
Profitability (%)
Net Income($000) 13,903 6,547 112.36 10,653 122.03
Net Income Attributable to Parent($000) 13,903 6,547 112.36 10,653 122.03
ROAA 1.18 0.58 60 bp 0.90 28 bp
Core ROAA 1.19 1.27 (8) bp 0.90 29 bp
ROAE 11.53 5.69 584 bp 9.04 249 bp
ROATCE 14.72 7.48 724 bp 11.68 304 bp
Core ROAE 11.65 12.36 (71) bp 9.04 261 bp
Net Interest Margin 3.41 3.32 9 bp 3.27 14 bp
Reported: Net Interest Margin 3.40 3.32 8 bp 3.30 10 bp
Efficiency Ratio 55.79 54.22 157 bp 58.20 (241) bp
Noninterest Inc/ Operating Rev 14.53 12.57 196 bp 12.72 181 bp
Balance Sheet Ratios (%)
Loans/ Deposits 93.72 88.35 537 bp 89.40 432 bp
Securities/ Assets 16.45 19.14 (269) bp 17.22 (77) bp
Total Equity/ Total Assets 10.27 9.89 38 bp 10.08 19 bp
Tangible Equity/ Tangible Assets 8.17 7.63 54 bp 7.96 21 bp
Tang Common Equity/ Tang Assets 8.17 7.63 54 bp 7.96 21 bp
Asset Quality (%)
NPAs/ Assets 0.74 0.42 32 bp 0.48 26 bp
NPA Excl Restructured/ Assets 0.09 0.05 4 bp 0.12 (3) bp
NPAs & 90+ PD/ Assets 0.75 0.43 32 bp 0.48 27 bp
NPAs/ Loans & REO 1 0.59 41 bp 0.65 35 bp
Nonaccrual & 90+ & OREO/ Assets 0.10 0.05 5 bp 0.12 (2) bp
NPAs & 90+ PD/ Loans & REO 1.01 0.60 41 bp 0.66 35 bp
NPA & Loans 90+/ Tangible Common Equity + LLR 8.67 5.27 340 bp 5.72 295 bp
NCOs/ Avg Loans 0 0 0 bp 0.48 (48) bp
Loan Loss Reserves/ Gross Loans 0.91 1 (9) bp 0.91 0 bp
Reserves/ NPAs 91.37 169.34 (7,797) bp 139.10 (4,773) bp
Loan Loss Provision/ NCO NM NM NM 85.10 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 386,808 350,173 10.46 376,450 11.01
Tier 1 Capital($000) 386,808 350,173 10.46 376,450 11.01
Tier 2 Capital($000) 112,449 112,145 0.27 111,447 3.60
Total Capital($000) 499,257 462,318 7.99 487,897 9.31
Total Risk-weighted Assets($000) 3,719,308 3,390,121 9.71 3,657,848 6.72
Tier 1 Common Capital (CET1) Ratio(%) 10.40 10.33 7 bp 10.29 11 bp
Tier 1 Ratio(%) 10.40 10.33 7 bp 10.29 11 bp
Total Capital Ratio(%) 13.40 13.64 (24) bp 13.34 6 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.40 8 40 bp 8.10 30 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 19,829,830 19,789,073 0.21 19,834,416 (0.09)
Avg Diluted Shares(actual) 19,568,000 19,485,000 0.43 19,565,000 0.06
Basic Book Value per Share 24.53 22.23 10.35 23.96 9.52
Book Value per Share, As Reported 24.53 22.23 10.35 23.96 9.52
Basic Tangible Book Value per Share 19.06 16.72 14 18.48 12.55
Tangible Book Value per Share, As Reported 18.99 16.64 14.12 18.41 12.60
Common Dividends Declared per Share 0.23 0.23 0 0.23 0
EPS after Extra 0.70 0.33 112.12 0.53 128.30
EPS after Extra Growth(%) 112.10 (31.30) 14,337 bp 55.90 5,624 bp
Core EPS 0.71 0.73 (2.74) 0.53 135.85
Core EPS Growth(%) (2.50) 51.30 (5,381) bp (21.10) 1,862 bp
Diluted EPS before Amortization 0.71 0.34 108.82 0.54 125.93
Pre-Provision Earnings per Share 0.75 0.71 5.63 0.66 54.55

   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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