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Financial Highlights
2019 FQ2
6/30/2019
2018 FQ2
6/30/2018
Y-Y Ch (%)
2019 FQ1
3/31/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 5,154,298 4,749,181 8.53 5,035,527 9.43
Total Net Loans 4,136,802 3,794,524 9.02 4,037,198 9.87
Total Deposits 4,122,110 3,620,786 13.85 4,003,153 11.89
Equity Attributable to Parent Company 651,670 605,294 7.66 637,606 8.82
Total Equity 651,670 605,294 7.66 637,606 8.82
Profitability (%)
Net Income($000) 16,468 4,357 277.97 16,079 9.68
Net Income Attributable to Parent($000) 16,468 4,357 277.97 16,079 9.68
ROAA 1.27 0.37 90 bp 1.29 (2) bp
Core ROAA 1.30 0.38 92 bp 1.31 (1) bp
ROAE 10.20 2.85 735 bp 10.18 2 bp
ROATCE 14.29 4.42 987 bp 14.40 (11) bp
Core ROAE 10.40 2.92 748 bp 10.39 1 bp
Net Interest Margin 3.66 3.72 (6) bp 3.70 (4) bp
Reported: Net Interest Margin 3.67 3.73 (6) bp 3.75 (8) bp
Efficiency Ratio 60.98 61.39 (41) bp 60.04 94 bp
Noninterest Inc/ Operating Rev 27.72 28.25 (53) bp 28.25 (53) bp
Balance Sheet Ratios (%)
Loans/ Deposits 101.11 105.46 (435) bp 101.62 (51) bp
Securities/ Assets 9.73 10.10 (37) bp 9.92 (19) bp
Total Equity/ Total Assets 12.64 12.75 (11) bp 12.66 (2) bp
Tangible Equity/ Tangible Assets 9.54 9.33 21 bp 9.47 7 bp
Tang Common Equity/ Tang Assets 9.54 9.33 21 bp 9.47 7 bp
Asset Quality (%)
NPAs/ Assets 0.50 0.69 (19) bp 0.53 (3) bp
NPA Excl Restructured/ Assets 0.50 0.67 (17) bp 0.53 (3) bp
NPAs & 90+ PD/ Assets 0.53 0.69 (16) bp 0.54 (1) bp
NPAs/ Loans & REO 0.62 0.86 (24) bp 0.66 (4) bp
Nonaccrual & 90+ & OREO/ Assets 0.53 0.67 (14) bp 0.54 (1) bp
NPAs & 90+ PD/ Loans & REO 0.65 0.86 (21) bp 0.67 (2) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 5.35 7.26 (191) bp 5.57 (22) bp
NCOs/ Avg Loans 0.10 1.41 (131) bp 0.04 6 bp
Loan Loss Reserves/ Gross Loans 0.78 0.67 11 bp 0.78 0 bp
Reserves/ NPAs 126.64 78.49 4,815 bp 118.09 855 bp
Loan Loss Provision/ NCO 192.58 117.03 7,555 bp 600.67 (40,809) bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 501,310 459,235 9.16 489,197 9.90
Tier 1 Capital($000) 501,310 459,235 9.16 489,197 9.90
Tier 2 Capital($000) 128,014 120,813 5.96 126,957 3.33
Total Capital($000) 629,324 580,048 8.50 616,154 8.55
Total Risk-weighted Assets($000) 4,561,510 4,215,572 8.21 4,474,237 7.80
Tier 1 Common Capital (CET1) Ratio(%) 10.99 10.89 10 bp 10.93 6 bp
Tier 1 Ratio(%) 10.99 10.89 10 bp 10.93 6 bp
Total Capital Ratio(%) 13.79 13.76 3 bp 13.77 2 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.01 10.19 (18) bp 10.10 (9) bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 29,294,942 29,406,450 (0.38) 29,272,502 0.31
Avg Diluted Shares(actual) 29,243,000 29,271,000 (0.10) 29,205,000 0.52
Basic Book Value per Share 22.25 20.58 8.11 21.78 8.63
Book Value per Share, As Reported 22.25 20.58 8.11 21.78 8.63
Basic Tangible Book Value per Share 16.20 14.51 11.65 15.72 12.21
Tangible Book Value per Share, As Reported 16.20 14.51 11.65 15.72 12.21
Common Dividends Declared per Share 0.20 0.20 0 0.20 0
EPS after Extra 0.56 0.15 273.33 0.55 7.27
EPS after Extra Growth(%) 273.30 (65.90) 33,924 bp 25 24,833 bp
Core EPS 0.57 0.15 280 0.56 7.14
Core EPS Growth(%) 271.50 (64.80) 33,624 bp 19 25,241 bp
Diluted EPS before Amortization 0.57 0.17 235.29 0.56 7.14
Pre-Provision Earnings per Share 0.60 0.53 13.21 0.60 0

   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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