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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 5,353,611 4,801,998 11.49 5,154,298 15.47
Total Net Loans 4,221,164 3,838,904 9.96 4,136,802 8.16
Total Deposits 4,337,991 3,820,048 13.56 4,122,110 20.95
Equity Attributable to Parent Company 664,299 614,242 8.15 651,670 7.75
Total Equity 664,299 614,242 8.15 651,670 7.75
Profitability (%)
Net Income($000) 17,662 14,964 18.03 16,468 29
Net Income Attributable to Parent($000) 17,662 14,964 18.03 16,468 29
ROAA 1.33 1.24 9 bp 1.27 6 bp
Core ROAA 1.35 1.27 8 bp 1.30 5 bp
ROAE 10.71 9.78 93 bp 10.20 51 bp
ROATCE 14.83 14.08 75 bp 14.29 54 bp
Core ROAE 10.87 10.03 84 bp 10.40 47 bp
Net Interest Margin 3.55 3.74 (19) bp 3.66 (11) bp
Reported: Net Interest Margin 3.52 3.71 (19) bp 3.67 (15) bp
Efficiency Ratio 60.01 60.57 (56) bp 60.98 (97) bp
Noninterest Inc/ Operating Rev 27.95 26.91 104 bp 27.72 23 bp
Balance Sheet Ratios (%)
Loans/ Deposits 98.02 101.21 (319) bp 101.11 (309) bp
Securities/ Assets 8.92 10 (108) bp 9.73 (81) bp
Total Equity/ Total Assets 12.41 12.79 (38) bp 12.64 (23) bp
Tangible Equity/ Tangible Assets 9.42 9.43 (1) bp 9.54 (12) bp
Tang Common Equity/ Tang Assets 9.42 9.43 (1) bp 9.54 (12) bp
Asset Quality (%)
NPAs/ Assets 0.71 0.62 9 bp 0.50 21 bp
NPA Excl Restructured/ Assets 0.71 0.60 11 bp 0.50 21 bp
NPAs & 90+ PD/ Assets 0.75 0.65 10 bp 0.53 22 bp
NPAs/ Loans & REO 0.89 0.77 12 bp 0.62 27 bp
Nonaccrual & 90+ & OREO/ Assets 0.75 0.63 12 bp 0.53 22 bp
NPAs & 90+ PD/ Loans & REO 0.95 0.80 15 bp 0.65 30 bp
NPA & Loans 90+/ Tangible Common Equity + LLR 7.75 6.69 106 bp 5.35 240 bp
NCOs/ Avg Loans 0.04 0.11 (7) bp 0.10 (6) bp
Loan Loss Reserves/ Gross Loans 0.79 0.71 8 bp 0.78 1 bp
Reserves/ NPAs 88.78 91.98 (320) bp 126.64 (3,786) bp
Loan Loss Provision/ NCO 326.92 267.54 5,938 bp 192.58 13,434 bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 513,253 469,309 9.36 501,310 9.53
Tier 1 Capital($000) 513,253 469,309 9.36 501,310 9.53
Tier 2 Capital($000) 129,143 122,619 5.32 128,014 3.53
Total Capital($000) 642,396 591,928 8.53 629,324 8.31
Total Risk-weighted Assets($000) 4,652,657 4,268,609 9 4,562,378 7.92
Tier 1 Common Capital (CET1) Ratio(%) 11.03 10.99 4 bp 10.99 4 bp
Tier 1 Ratio(%) 11.03 10.99 4 bp 10.99 4 bp
Total Capital Ratio(%) 13.81 13.87 (6) bp 13.79 2 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.97 10.07 (10) bp 10.01 (4) bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 29,312,534 29,407,076 (0.32) 29,294,942 0.24
Avg Diluted Shares(actual) 29,285,000 29,318,000 (0.11) 29,243,000 0.57
Basic Book Value per Share 22.66 20.89 8.47 22.25 7.37
Book Value per Share, As Reported 22.66 20.89 8.47 22.25 7.37
Basic Tangible Book Value per Share 16.64 14.83 12.20 16.20 10.86
Tangible Book Value per Share, As Reported 16.64 14.83 12.20 16.20 10.86
Common Dividends Declared per Share 0.20 0.20 0 0.20 0
EPS after Extra 0.60 0.51 17.65 0.56 28.57
EPS after Extra Growth(%) 17.60 21.40 (378) bp 273.30 (25,568) bp
Core EPS 0.61 0.52 17.31 0.57 28.07
Core EPS Growth(%) 16.50 20.10 (356) bp 271.50 (25,495) bp
Diluted EPS before Amortization 0.61 0.53 15.09 0.57 28.07
Pre-Provision Earnings per Share 0.62 0.56 10.71 0.60 13.33

   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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