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Financial Highlights
2019 FQ4
12/31/2019
2018 FQ3
9/30/2018
Y-Y Ch (%)
2019 FQ2
6/30/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 5,375,614 4,801,998 11.95 5,154,298 17.18
Total Net Loans 4,357,009 3,838,904 13.50 4,136,802 21.29
Total Deposits 4,354,765 3,820,048 14 4,122,110 22.58
Equity Attributable to Parent Company 675,122 614,242 9.91 651,670 14.40
Total Equity 675,122 614,242 9.91 651,670 14.40
Profitability (%)
Net Income($000) 15,510 14,964 3.65 16,468 (23.27)
Net Income Attributable to Parent($000) 15,510 14,964 3.65 16,468 (23.27)
ROAA 1.15 1.24 (9) bp 1.27 (12) bp
Core ROAA 1.21 1.27 (6) bp 1.30 (9) bp
ROAE 9.22 9.78 (56) bp 10.20 (98) bp
ROATCE 12.74 14.08 (134) bp 14.29 (155) bp
Core ROAE 9.74 10.03 (29) bp 10.40 (66) bp
Net Interest Margin 3.47 3.74 (27) bp 3.66 (19) bp
Reported: Net Interest Margin 3.44 3.71 (27) bp 3.67 (23) bp
Efficiency Ratio 61.30 60.57 73 bp 60.98 32 bp
Noninterest Inc/ Operating Rev 27.44 26.91 53 bp 27.72 (28) bp
Balance Sheet Ratios (%)
Loans/ Deposits 100.74 101.21 (47) bp 101.11 (37) bp
Securities/ Assets NA 10 NA 9.73 NA
Total Equity/ Total Assets 12.56 12.79 (23) bp 12.64 (8) bp
Tangible Equity/ Tangible Assets 9.60 9.43 17 bp 9.54 6 bp
Tang Common Equity/ Tang Assets 9.60 9.43 17 bp 9.54 6 bp
Asset Quality (%)
NPAs/ Assets 0.73 0.62 11 bp 0.50 23 bp
NPA Excl Restructured/ Assets 0.73 0.60 13 bp 0.50 23 bp
NPAs & 90+ PD/ Assets 0.73 0.65 8 bp 0.53 20 bp
NPAs/ Loans & REO 0.89 0.77 12 bp 0.62 27 bp
Nonaccrual & 90+ & OREO/ Assets 0.73 0.63 10 bp 0.53 20 bp
NPAs & 90+ PD/ Loans & REO 0.89 0.80 9 bp 0.65 24 bp
NPA & Loans 90+/ Tangible Common Equity + LLR 7.35 6.69 66 bp 5.35 200 bp
NCOs/ Avg Loans 0.05 0.11 (6) bp 0.10 (5) bp
Loan Loss Reserves/ Gross Loans 0.80 0.71 9 bp 0.78 2 bp
Reserves/ NPAs 90.25 91.98 (173) bp 126.64 (3,639) bp
Loan Loss Provision/ NCO 399.10 267.54 13,156 bp 192.58 20,652 bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 469,309 NA 501,310 NA
Tier 1 Capital($000) NA 469,309 NA 501,310 NA
Tier 2 Capital($000) NA 122,619 NA 128,014 NA
Total Capital($000) NA 591,928 NA 629,324 NA
Total Risk-weighted Assets($000) NA 4,268,609 NA 4,562,378 NA
Tier 1 Common Capital (CET1) Ratio(%) 11.03 10.99 4 bp 10.99 4 bp
Tier 1 Ratio(%) 11.03 10.99 4 bp 10.99 4 bp
Total Capital Ratio(%) 13.78 13.87 (9) bp 13.79 (1) bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.02 10.07 (5) bp 10.01 1 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 29,334,629 29,407,076 (0.25) 29,294,942 0.54
Avg Diluted Shares(actual) 29,392,169 29,318,000 0.25 29,243,000 2.04
Basic Book Value per Share 23.01 20.89 10.15 22.25 13.66
Book Value per Share, As Reported 23.01 20.89 10.15 22.25 13.66
Basic Tangible Book Value per Share 17.01 14.83 14.70 16.20 20
Tangible Book Value per Share, As Reported 17.01 14.83 14.70 16.20 20
Common Dividends Declared per Share 0.20 0.20 0 0.20 0
EPS after Extra 0.53 0.51 3.92 0.56 (21.43)
EPS after Extra Growth(%) (15.90) 21.40 (3,730) bp 273.30 (28,920) bp
Core EPS 0.56 0.52 7.69 0.57 (7.02)
Core EPS Growth(%) (14.30) 20.10 (3,442) bp 271.50 (28,581) bp
Diluted EPS before Amortization 0.54 0.53 1.89 0.57 (21.05)
Pre-Provision Earnings per Share 0.59 0.56 5.36 0.60 (6.67)

   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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