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Financial Highlights

Financial Highlights
2020 FQ2
6/30/2020
2019 FQ2
6/30/2019
Y-Y Ch (%)
2020 FQ1
3/31/2020
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 7,770,138 9,359,931 (16.99) 7,662,607 5.61
Total Net Loans 5,557,094 7,257,767 (23.43) 5,609,455 (3.73)
Total Deposits 6,037,465 6,292,290 (4.05) 5,562,838 34.13
Equity Attributable to Parent Company 846,959 963,544 (12.10) 835,002 5.73
Total Equity 846,959 963,544 (12.10) 835,002 5.73
Profitability (%)
Net Income($000) (18,449) 16,582 NM (6,593) 719.31
Net Income Attributable to Parent($000) (18,449) 16,582 NM (6,593) 719.31
ROAA (0.95) 0.69 (164) bp (0.35) (60) bp
Core ROAA 0.18 0.71 (53) bp (0.33) 51 bp
ROAE (8.64) 6.89 (1,553) bp (2.88) (576) bp
ROATCE NA 7.21 NA (5.47) NA
Core ROAE 1.61 7.04 (543) bp (2.73) 434 bp
Net Interest Margin 3.07 2.85 22 bp 2.95 12 bp
Reported: Net Interest Margin 3.09 2.86 23 bp 2.97 12 bp
Efficiency Ratio 73.18 69.01 417 bp 86.22 (1,304) bp
Noninterest Inc/ Operating Rev 5.98 (3.66) 964 bp 3.82 216 bp
Balance Sheet Ratios (%)
Loans/ Deposits 93.21 106.79 (1,358) bp 101.88 (867) bp
Securities/ Assets 15.73 13.29 244 bp 13.40 233 bp
Total Equity/ Total Assets 10.90 10.29 61 bp 10.90 0 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 1.01 0.52 49 bp 0.82 19 bp
NPA Excl Restructured/ Assets 0.94 0.31 63 bp 0.74 20 bp
NPAs & 90+ PD/ Assets 1.01 0.53 48 bp 0.82 19 bp
NPAs/ Loans & REO 1.39 0.67 72 bp 1.10 29 bp
Nonaccrual & 90+ & OREO/ Assets 0.94 0.31 63 bp 0.74 20 bp
NPAs & 90+ PD/ Loans & REO 1.39 0.67 72 bp 1.10 29 bp
NPA & Loans 90+/ Tangible Common Equity + LLR NA 6.59 NA 9.15 NA
NCOs/ Avg Loans (0.04) 0.13 (17) bp 0.12 (16) bp
Loan Loss Reserves/ Gross Loans 1.60 0.81 79 bp 1.38 22 bp
Reserves/ NPAs 115.42 121.43 (601) bp 125.04 (962) bp
Loan Loss Provision/ NCO NM (83.66) NM 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($000) NA 6,554,570 NA 5,630,130 NA
Tier 1 Common Capital (CET1) Ratio(%) 11.68 10.50 118 bp 11.58 10 bp
Tier 1 Ratio(%) 15.10 14.03 107 bp 14.91 19 bp
Total Capital Ratio(%) 16.35 15 135 bp 16.16 19 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.56 9.62 94 bp 11.20 (64) bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 50,228,279 50,875,090 (1.27) 50,070,398 1.26
Avg Diluted Shares(actual) 50,030,919 50,964,956 (1.83) 50,464,777 (3.44)
Basic Book Value per Share 13.18 14.40 (8.47) 12.93 7.73
Book Value per Share, As Reported 13.18 14.40 (8.47) 12.93 7.73
Basic Tangible Book Value per Share NA 13.54 NA 12.09 NA
Tangible Book Value per Share, As Reported 12.37 13.57 (8.84) 12.11 8.59
Common Dividends Declared per Share 0.06 0.06 0 0.06 0
EPS after Extra (0.44) 0.23 NM (0.19) 526.32
EPS after Extra Growth(%) NM 27.80 NM NM NM
Core EPS 0 0.24 NM (0.18) NM
Core EPS Growth(%) NM 19.10 NM NM NM
Diluted EPS before Amortization (0.43) 0.24 NM (0.18) 555.56
Pre-Provision Earnings per Share 0.17 0.20 (15) 0.05 960

   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.