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Financial Highlights
2019 FQ4
12/31/2019
2018 FQ4
12/31/2018
Y-Y Ch (%)
2019 FQ3
9/30/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 5,380,924 4,984,347 7.96 5,353,611 2.04
Total Net Loans 4,357,009 3,978,964 9.50 4,221,164 12.87
Total Deposits 4,360,075 3,885,933 12.20 4,337,991 2.04
Equity Attributable to Parent Company 675,122 624,133 8.17 664,299 6.52
Total Equity 675,122 624,133 8.17 664,299 6.52
Profitability (%)
Net Income($000) 15,510 18,372 (15.58) 17,662 (48.74)
Net Income Attributable to Parent($000) 15,510 18,372 (15.58) 17,662 (48.74)
ROAA 1.15 1.50 (35) bp 1.33 (18) bp
Core ROAA 1.21 1.56 (35) bp 1.29 (8) bp
ROAE 9.22 11.87 (265) bp 10.71 (149) bp
ROATCE 12.70 16.91 (421) bp 14.83 (213) bp
Core ROAE 9.75 12.31 (256) bp 10.40 (65) bp
Net Interest Margin 3.47 3.75 (28) bp 3.55 (8) bp
Reported: Net Interest Margin 3.44 3.72 (28) bp 3.52 (8) bp
Efficiency Ratio 61.29 58.17 312 bp 61.02 27 bp
Noninterest Inc/ Operating Rev 27.44 26 144 bp 26.72 72 bp
Balance Sheet Ratios (%)
Loans/ Deposits 100.61 103.10 (249) bp 98.02 259 bp
Securities/ Assets 8.73 10.06 (133) bp 8.92 (19) bp
Total Equity/ Total Assets 12.55 12.52 3 bp 12.41 14 bp
Tangible Equity/ Tangible Assets 9.59 9.29 30 bp 9.42 17 bp
Tang Common Equity/ Tang Assets 9.59 9.29 30 bp 9.42 17 bp
Asset Quality (%)
NPAs/ Assets 0.73 0.56 17 bp 0.71 2 bp
NPA Excl Restructured/ Assets 0.73 0.55 18 bp 0.71 2 bp
NPAs & 90+ PD/ Assets 0.73 0.56 17 bp 0.75 (2) bp
NPAs/ Loans & REO 0.89 0.70 19 bp 0.89 0 bp
Nonaccrual & 90+ & OREO/ Assets 0.73 0.55 18 bp 0.75 (2) bp
NPAs & 90+ PD/ Loans & REO 0.89 0.70 19 bp 0.95 (6) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 7.35 5.91 144 bp 7.75 (40) bp
NCOs/ Avg Loans 0.05 (0.19) 24 bp 0.04 1 bp
Loan Loss Reserves/ Gross Loans 0.80 0.73 7 bp 0.79 1 bp
Reserves/ NPAs 90.25 105.11 (1,486) bp 88.78 147 bp
Loan Loss Provision/ NCO 399.10 NM NM 326.92 7,218 bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 524,137 479,550 9.30 513,253 8.48
Tier 1 Capital($000) 524,137 479,550 9.30 513,253 8.48
Tier 2 Capital($000) 130,873 124,663 4.98 129,143 5.36
Total Capital($000) 655,010 604,213 8.41 642,396 7.85
Total Risk-weighted Assets($000) 4,753,443 4,409,548 7.80 4,652,657 8.66
Tier 1 Common Capital (CET1) Ratio(%) 11.03 10.88 15 bp 11.03 0 bp
Tier 1 Ratio(%) 11.03 10.88 15 bp 11.03 0 bp
Total Capital Ratio(%) 13.78 13.70 8 bp 13.81 (3) bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.02 10.13 (11) bp 9.97 5 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 29,334,629 29,270,852 0.22 29,312,534 0.30
Avg Diluted Shares(actual) 29,313,000 29,220,000 0.32 29,285,000 0.38
Basic Book Value per Share 23.01 21.32 7.93 22.66 6.18
Book Value per Share, As Reported 23.01 21.32 7.93 22.66 6.18
Basic Tangible Book Value per Share 17.01 15.25 11.54 16.64 8.89
Tangible Book Value per Share, As Reported 17.01 15.25 11.54 16.64 8.89
Common Dividends Declared per Share 0.20 0.20 0 0.20 0
EPS after Extra 0.53 0.63 (15.87) 0.60 (46.67)
EPS after Extra Growth(%) (15.90) 70.30 (8,614) bp 17.60 (3,352) bp
Core EPS 0.56 0.65 (13.85) 0.58 (13.79)
Core EPS Growth(%) (14.30) 51.30 (6,558) bp 11.40 (2,573) bp
Diluted EPS before Amortization 0.54 0.65 (16.92) 0.61 (45.90)
Pre-Provision Earnings per Share 0.59 0.61 (3.28) 0.59 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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