Skip to main content

Financial Highlights

Financial Highlights
2020 FQ3
9/30/2020
2019 FQ2
6/30/2019
Y-Y Ch (%)
2020 FQ1
3/31/2020
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 7,738,106 9,359,931 (17.33) 7,662,607 3.94
Total Net Loans 5,588,924 7,257,767 (22.99) 5,609,455 (1.46)
Total Deposits 6,032,266 6,292,290 (4.13) 5,562,838 33.75
Equity Attributable to Parent Company 874,254 963,544 (9.27) 835,002 18.80
Total Equity 874,254 963,544 (9.27) 835,002 18.80
Profitability (%)
Net Income($000) 15,913 16,582 (4.03) (6,593) NM
Net Income Attributable to Parent($000) 15,913 16,582 (4.03) (6,593) NM
ROAA 0.83 0.69 14 bp (0.35) 118 bp
Core ROAA 0.84 0.71 13 bp (0.33) 117 bp
ROAE 7.36 6.89 47 bp (2.88) 1,024 bp
ROATCE NA 7.21 NA (5.47) NA
Core ROAE 7.48 7.04 44 bp (2.73) 1,021 bp
Net Interest Margin 3.11 2.85 26 bp 2.95 16 bp
Reported: Net Interest Margin 3.09 2.86 23 bp 2.97 12 bp
Efficiency Ratio 66.95 69.01 (206) bp 86.22 (1,927) bp
Noninterest Inc/ Operating Rev 6.61 (3.66) 1,027 bp 3.82 279 bp
Balance Sheet Ratios (%)
Loans/ Deposits 94.13 106.79 (1,266) bp 101.88 (775) bp
Securities/ Assets 16.68 13.29 339 bp 13.40 328 bp
Total Equity/ Total Assets 11.30 10.29 101 bp 10.90 40 bp
Tangible Equity/ Tangible Assets NA 9.87 NA 10.41 NA
Tang Common Equity/ Tang Assets NA 7.39 NA 7.94 NA
Asset Quality (%)
NPAs/ Assets 0.93 0.52 41 bp 0.82 11 bp
NPA Excl Restructured/ Assets 0.86 0.31 55 bp 0.74 12 bp
NPAs & 90+ PD/ Assets 0.93 0.53 40 bp 0.82 11 bp
NPAs/ Loans & REO 1.26 0.67 59 bp 1.10 16 bp
Nonaccrual & 90+ & OREO/ Assets 0.86 0.31 55 bp 0.74 12 bp
NPAs & 90+ PD/ Loans & REO 1.27 0.67 60 bp 1.10 17 bp
NPA & Loans 90+/ Tangible Common Equity + LLR NA 6.59 NA 9.15 NA
NCOs/ Avg Loans 0.11 0.13 (2) bp 0.12 (1) bp
Loan Loss Reserves/ Gross Loans 1.60 0.81 79 bp 1.38 22 bp
Reserves/ NPAs 126.74 121.43 531 bp 125.04 170 bp
Loan Loss Provision/ NCO 72.54 (83.66) 15,620 bp NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 688,308 NA 651,693 NA
Tier 1 Capital($000) NA 919,436 NA 839,380 NA
Tier 2 Capital($000) NA 63,818 NA 70,390 NA
Total Capital($000) NA 983,254 NA 909,770 NA
Total Risk-weighted Assets($000) NA 6,554,570 NA 5,630,130 NA
Tier 1 Common Capital (CET1) Ratio(%) 11.64 10.50 114 bp 11.58 6 bp
Tier 1 Ratio(%) 14.98 14.03 95 bp 14.91 7 bp
Total Capital Ratio(%) 16.24 15 124 bp 16.16 8 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.83 9.62 121 bp 11.20 (37) bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 50,237,864 50,875,090 (1.25) 50,070,398 1.34
Avg Diluted Shares(actual) 50,190,933 50,964,956 (1.52) 50,464,777 (2.17)
Basic Book Value per Share 13.72 14.40 (4.72) 12.93 24.44
Book Value per Share, As Reported 13.72 14.40 (4.72) 12.93 24.44
Basic Tangible Book Value per Share NA 13.54 NA 12.09 NA
Tangible Book Value per Share, As Reported 12.92 13.57 (4.79) 12.11 26.75
Common Dividends Declared per Share 0.06 0.06 0 0.06 0
EPS after Extra 0.24 0.23 4.35 (0.19) NM
EPS after Extra Growth(%) NM 27.80 NM NM NM
Core EPS 0.25 0.24 4.17 (0.18) NM
Core EPS Growth(%) NM 19.10 NM NM NM
Diluted EPS before Amortization 0.25 0.24 4.17 (0.18) NM
Pre-Provision Earnings per Share 0.23 0.20 15 0.05 1,440

   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.