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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 5,464,768 5,035,527 8.52 5,380,924 6.23
Total Net Loans 4,392,026 4,037,198 8.79 4,357,009 3.21
Total Deposits 4,407,303 4,003,153 10.10 4,360,075 4.33
Equity Attributable to Parent Company 651,551 637,606 2.19 675,122 (13.97)
Total Equity 651,551 637,606 2.19 675,122 (13.97)
Profitability (%)
Net Income($000) 838 16,079 (94.79) 15,510 (378.39)
Net Income Attributable to Parent($000) 838 16,079 (94.79) 15,510 (378.39)
ROAA 0.06 1.29 (123) bp 1.15 (109) bp
Core ROAA 0.08 1.31 (123) bp 1.21 (113) bp
ROAE 0.50 10.18 (968) bp 9.22 (872) bp
ROATCE 0.88 14.40 (1,352) bp 12.70 (1,182) bp
Core ROAE 0.63 10.39 (976) bp 9.75 (912) bp
Net Interest Margin 3.46 3.70 (24) bp 3.47 (1) bp
Reported: Net Interest Margin 3.48 3.75 (27) bp 3.44 4 bp
Efficiency Ratio 62.15 60.04 211 bp 61.29 86 bp
Noninterest Inc/ Operating Rev 29.40 28.25 115 bp 27.44 196 bp
Balance Sheet Ratios (%)
Loans/ Deposits 100.94 101.62 (68) bp 100.61 33 bp
Securities/ Assets 8.27 9.92 (165) bp 8.73 (46) bp
Total Equity/ Total Assets 11.92 12.66 (74) bp 12.55 (63) bp
Tangible Equity/ Tangible Assets 8.99 9.47 (48) bp 9.59 (60) bp
Tang Common Equity/ Tang Assets 8.99 9.47 (48) bp 9.59 (60) bp
Asset Quality (%)
NPAs/ Assets 0.68 0.53 15 bp 0.73 (5) bp
NPA Excl Restructured/ Assets 0.68 0.53 15 bp 0.73 (5) bp
NPAs & 90+ PD/ Assets 0.71 0.54 17 bp 0.73 (2) bp
NPAs/ Loans & REO 0.83 0.66 17 bp 0.89 (6) bp
Nonaccrual & 90+ & OREO/ Assets 0.71 0.54 17 bp 0.73 (2) bp
NPAs & 90+ PD/ Loans & REO 0.87 0.67 20 bp 0.89 (2) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 7.17 5.57 160 bp 7.35 (18) bp
NCOs/ Avg Loans 0.04 0.04 0 bp 0.05 (1) bp
Loan Loss Reserves/ Gross Loans 1.53 0.78 75 bp 0.80 73 bp
Reserves/ NPAs 183.40 118.09 6,531 bp 90.25 9,315 bp
Loan Loss Provision/ NCO NM 600.67 NM 399.10 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 520,010 489,197 6.30 524,137 (3.15)
Tier 1 Capital($000) 520,010 489,197 6.30 524,137 (3.15)
Tier 2 Capital($000) 137,846 126,957 8.58 130,873 21.31
Total Capital($000) 657,856 616,154 6.77 655,010 1.74
Total Risk-weighted Assets($000) 4,818,345 4,474,237 7.69 4,753,443 5.46
Tier 1 Common Capital (CET1) Ratio(%) 10.79 10.93 (14) bp 11.03 (24) bp
Tier 1 Ratio(%) 10.79 10.93 (14) bp 11.03 (24) bp
Total Capital Ratio(%) 13.65 13.77 (12) bp 13.78 (13) bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.90 10.10 (20) bp 10.02 (12) bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 29,164,782 29,272,502 (0.37) 29,334,629 (2.32)
Avg Diluted Shares(actual) 29,283,000 29,205,000 0.27 29,313,000 (0.41)
Basic Book Value per Share 22.34 21.78 2.57 23.01 (11.65)
Book Value per Share, As Reported 22.34 21.78 2.57 23.01 (11.65)
Basic Tangible Book Value per Share 16.31 15.72 3.75 17.01 (16.46)
Tangible Book Value per Share, As Reported 16.31 15.72 3.75 17.01 (16.46)
Common Dividends Declared per Share 0.20 0.20 0 0.20 0
EPS after Extra 0.03 0.55 (94.55) 0.53 (377.36)
EPS after Extra Growth(%) (94.50) 25 (11,955) bp (15.90) (7,868) bp
Core EPS 0.04 0.56 (92.86) 0.56 (371.43)
Core EPS Growth(%) (93.20) 19 (11,226) bp (14.30) (7,891) bp
Diluted EPS before Amortization 0.04 0.56 (92.86) 0.54 (370.37)
Pre-Provision Earnings per Share 0.62 0.60 3.33 0.59 20.34

   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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