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Financial Highlights

Financial Highlights
2019 FQ1
3/31/2019
2018 FQ1
3/31/2018
Y-Y Ch (%)
2018 FQ4
12/31/2018
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 9,886,525 10,329,319 (4.29) 10,630,067 (27.98)
Total Net Loans 7,518,506 6,895,924 9.03 7,646,797 (6.71)
Total Deposits 7,724,932 7,110,165 8.65 7,916,644 (9.69)
Equity Attributable to Parent Company NA 993,756 NA 945,534 NA
Total Equity 948,325 993,756 (4.57) 945,534 1.18
Profitability (%)
Net Income($000) 7,037 8,558 (17.77) 11,038 (144.99)
Net Income Attributable to Parent($000) NA 8,558 NA 11,038 NA
ROAA 0.27 0.33 (6) bp 0.43 (16) bp
Core ROAA NA 0.14 NA 0.48 NA
ROAE 2.94 3.36 (42) bp 4.60 (166) bp
ROATCE NA 2.22 NA 4.12 NA
Core ROAE NA 1.41 NA 5.15 NA
Net Interest Margin 2.77 2.94 (17) bp 2.91 (14) bp
Reported: Net Interest Margin 2.81 2.98 (17) bp 2.88 (7) bp
Efficiency Ratio 79.90 78.66 124 bp 66.41 1,349 bp
Noninterest Inc/ Operating Rev 8.24 4.47 377 bp 7.46 78 bp
Balance Sheet Ratios (%)
Loans/ Deposits NA 97.47 NA 97.27 NA
Securities/ Assets NA 24.27 NA 19.38 NA
Total Equity/ Total Assets 9.59 9.62 (3) bp 8.89 70 bp
Tangible Equity/ Tangible Assets NA 9.22 NA 8.51 NA
Tang Common Equity/ Tang Assets NA 6.60 NA 6.32 NA
Asset Quality (%)
NPAs/ Assets 0.34 0.27 7 bp 0.26 8 bp
NPA Excl Restructured/ Assets NA 0.22 NA 0.21 NA
NPAs & 90+ PD/ Assets NA 0.27 NA 0.27 NA
NPAs/ Loans & REO NA 0.40 NA 0.36 NA
Nonaccrual & 90+ & OREO/ Assets NA 0.22 NA 0.21 NA
NPAs & 90+ PD/ Loans & REO NA 0.40 NA 0.37 NA
NPA & Loans 90+/ Tangible Common Equity + LLR NA 3.82 NA 3.89 NA
NCOs/ Avg Loans 0.04 0.83 (79) bp 0.12 (8) bp
Loan Loss Reserves/ Gross Loans 0.84 0.79 5 bp 0.81 3 bp
Reserves/ NPAs 189.97 195.37 (540) bp 222.10 (3,213) bp
Loan Loss Provision/ NCO 306.72 138.60 16,812 bp 296.61 1,011 bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 670,296 NA 679,400 NA
Tier 1 Capital($000) NA 939,367 NA 910,528 NA
Tier 2 Capital($000) NA 59,056 NA 66,814 NA
Total Capital($000) NA 998,423 NA 977,342 NA
Total Risk-weighted Assets($000) NA 6,838,522 NA 7,129,598 NA
Tier 1 Common Capital (CET1) Ratio(%) 9.72 9.80 (8) bp 9.53 19 bp
Tier 1 Ratio(%) 13.03 13.74 (71) bp 12.77 26 bp
Total Capital Ratio(%) 14.01 14.60 (59) bp 13.71 30 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA 9.21 NA 8.95 NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 50,792,811 50,587,843 0.41 50,649,339 1.13
Avg Diluted Shares(actual) NA 50,925,530 NA 50,812,874 NA
Basic Book Value per Share 14.12 14.33 (1.47) 14.10 0.57
Book Value per Share, As Reported 14.12 14.33 (1.47) 14.10 0.57
Basic Tangible Book Value per Share NA 13.42 NA 13.21 NA
Tangible Book Value per Share, As Reported 13.28 13.42 (1.04) 13.25 0.91
Common Dividends Declared per Share 0.13 0.13 0 0.13 0
EPS after Extra 0.05 0.06 (16.67) 0.13 (246.15)
EPS after Extra Growth(%) (16.70) (73.90) 5,724 bp 8.30 (2,500) bp
Core EPS NA (0.03) NA 0.16 NA
Core EPS Growth(%) NA NM NA 249.10 NA
Diluted EPS before Amortization NA 0.08 NA 0.14 NA
Pre-Provision Earnings per Share NA 0.12 NA 0.30 NA

   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.


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