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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 6,125,312 5,154,298 18.84 5,464,768 48.35
Total Net Loans 4,896,674 4,136,802 18.37 4,392,026 45.96
Total Deposits 4,869,329 4,122,110 18.13 4,407,303 41.93
Equity Attributable to Parent Company 654,873 651,670 0.49 651,551 2.04
Total Equity 654,873 651,670 0.49 651,551 2.04
Profitability (%)
Net Income($000) 2,085 16,468 (87.34) 838 595.23
Net Income Attributable to Parent($000) 2,085 16,468 (87.34) 838 595.23
ROAA 0.14 1.27 (113) bp 0.06 8 bp
Core ROAA 0.15 1.30 (115) bp 0.08 7 bp
ROAE 1.26 10.20 (894) bp 0.50 76 bp
ROATCE 1.92 14.29 (1,237) bp 0.88 104 bp
Core ROAE 1.38 10.40 (902) bp 0.63 75 bp
Net Interest Margin 3.16 3.66 (50) bp 3.46 (30) bp
Reported: Net Interest Margin 3.18 3.67 (49) bp 3.48 (30) bp
Efficiency Ratio 57.40 60.99 (359) bp 62.15 (475) bp
Noninterest Inc/ Operating Rev 29.18 27.72 146 bp 29.40 (22) bp
Balance Sheet Ratios (%)
Loans/ Deposits 101.69 101.11 58 bp 100.94 75 bp
Securities/ Assets 6.96 9.73 (277) bp 8.27 (131) bp
Total Equity/ Total Assets 10.69 12.64 (195) bp 11.92 (123) bp
Tangible Equity/ Tangible Assets 8.06 9.54 (148) bp 8.99 (93) bp
Tang Common Equity/ Tang Assets 8.06 9.54 (148) bp 8.99 (93) bp
Asset Quality (%)
NPAs/ Assets 0.57 0.50 7 bp 0.68 (11) bp
NPA Excl Restructured/ Assets 0.57 0.50 7 bp 0.68 (11) bp
NPAs & 90+ PD/ Assets 0.59 0.53 6 bp 0.71 (12) bp
NPAs/ Loans & REO 0.70 0.62 8 bp 0.83 (13) bp
Nonaccrual & 90+ & OREO/ Assets 0.59 0.53 6 bp 0.71 (12) bp
NPAs & 90+ PD/ Loans & REO 0.72 0.65 7 bp 0.87 (15) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 6.37 5.35 102 bp 7.17 (80) bp
NCOs/ Avg Loans 0.30 0.10 20 bp 0.04 26 bp
Loan Loss Reserves/ Gross Loans 1.73 0.78 95 bp 1.53 20 bp
Reserves/ NPAs 247.49 126.64 12,085 bp 183.40 6,409 bp
Loan Loss Provision/ NCO NM 192.30 NM NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 524,316 501,310 4.59 520,010 3.31
Tier 1 Capital($000) 524,316 501,310 4.59 520,010 3.31
Tier 2 Capital($000) 146,061 128,014 14.10 137,846 23.84
Total Capital($000) 670,377 629,324 6.52 657,856 7.61
Total Risk-weighted Assets($000) 4,887,358 4,562,378 7.12 4,818,345 5.73
Tier 1 Common Capital (CET1) Ratio(%) 10.73 10.99 (26) bp 10.79 (6) bp
Tier 1 Ratio(%) 10.73 10.99 (26) bp 10.79 (6) bp
Total Capital Ratio(%) 13.72 13.79 (7) bp 13.65 7 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.15 10.01 (86) bp 9.90 (75) bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 29,201,985 29,294,942 (0.32) 29,164,782 0.51
Avg Diluted Shares(actual) 29,164,000 29,243,000 (0.27) 29,283,000 (1.63)
Basic Book Value per Share 22.43 22.25 0.81 22.34 1.61
Book Value per Share, As Reported 22.43 22.25 0.81 22.34 1.61
Basic Tangible Book Value per Share 16.41 16.20 1.30 16.31 2.45
Tangible Book Value per Share, As Reported 16.41 16.20 1.30 16.31 2.45
Common Dividends Declared per Share 0.20 0.20 0 0.20 0
EPS after Extra 0.07 0.56 (87.50) 0.03 533.33
EPS after Extra Growth(%) (87.50) 273.30 (36,083) bp (94.50) 705 bp
Core EPS 0.08 0.57 (85.96) 0.04 400
Core EPS Growth(%) (86.60) 271.50 (35,803) bp (93.20) 664 bp
Diluted EPS before Amortization 0.08 0.57 (85.96) 0.04 400
Pre-Provision Earnings per Share 0.68 0.60 13.33 0.62 38.71

   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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