Financial Highlights
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 4,337,663 4,173,843 3.92 4,377,257 (3.62)
Total Net Loans 3,181,917 3,143,126 1.23 3,158,276 2.99
Total Deposits 3,389,555 3,273,646 3.54 3,437,181 (5.54)
Equity Attributable to Parent Company 605,518 550,264 10.04 594,708 7.27
Total Equity 605,518 550,264 10.04 594,708 7.27
Profitability (%)
Net Income($000) 15,269 16,106 (5.20) 18,324 (66.69)
Net Income Attributable to Parent($000) 15,269 16,106 (5.20) 18,324 (66.69)
ROAA 1.41 1.54 (13) bp 1.68 (27) bp
Core ROAA 1.41 1.54 (13) bp 1.67 (26) bp
ROAE 10.11 11.72 (161) bp 12.42 (231) bp
ROATCE 11.34 13.30 (196) bp 13.97 (263) bp
Core ROAE 10.10 11.72 (162) bp 12.31 (221) bp
Net Interest Margin 3.61 3.71 (10) bp 3.56 5 bp
Reported: Net Interest Margin 3.59 3.68 (9) bp 3.57 2 bp
Efficiency Ratio 60.89 55.10 579 bp 60.09 80 bp
Noninterest Inc/ Operating Rev 25.31 25.95 (64) bp 25.06 25 bp
Balance Sheet Ratios (%)
Loans/ Deposits 94.84 97.07 (223) bp 92.87 197 bp
Securities/ Assets 15.40 14.17 123 bp 13.98 142 bp
Total Equity/ Total Assets 13.96 13.18 78 bp 13.59 37 bp
Tangible Equity/ Tangible Assets 12.64 11.80 84 bp 12.27 37 bp
Tang Common Equity/ Tang Assets 12.64 11.80 84 bp 12.27 37 bp
Asset Quality (%)
NPAs/ Assets 2.11 2.41 (30) bp 2.20 (9) bp
NPA Excl Restructured/ Assets 0.71 1.02 (31) bp 0.81 (10) bp
NPAs & 90+ PD/ Assets 2.57 2.61 (4) bp 2.45 12 bp
NPAs/ Loans & REO 2.82 3.14 (32) bp 2.99 (17) bp
Nonaccrual & 90+ & OREO/ Assets 1.18 1.22 (4) bp 1.06 12 bp
NPAs & 90+ PD/ Loans & REO 3.45 3.39 6 bp 3.33 12 bp
NPA & Loans 90+/ Tangible Common Equity + LLR 19.43 20.89 (146) bp 19 43 bp
NCOs/ Avg Loans 0.18 0.19 (1) bp 0.20 (2) bp
Loan Loss Reserves/ Gross Loans 1.08 1.13 (5) bp 1.10 (2) bp
Reserves/ NPAs 38.11 35.52 259 bp 36.40 171 bp
Loan Loss Provision/ NCO 87.01 101.31 (1,430) bp 99.62 (1,261) bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 495,656 NA 526,165 NA
Tier 1 Capital($000) NA 553,156 NA 583,665 NA
Tier 2 Capital($000) NA 36,046 NA 35,250 NA
Total Capital($000) NA 589,202 NA 618,915 NA
Total Risk-weighted Assets($000) NA 3,083,113 NA 3,126,054 NA
Tier 1 Common Capital (CET1) Ratio(%) 17.03 16.08 95 bp 16.83 20 bp
Tier 1 Ratio(%) 18.82 17.94 88 bp 18.67 15 bp
Total Capital Ratio(%) 19.93 19.11 82 bp 19.80 13 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 13.84 13.37 47 bp 13.61 23 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 17,777,000 17,728,075 0.28 17,772,309 0.11
Avg Diluted Shares(actual) 17,743,000 17,709,552 0.19 17,733,244 0.22
Basic Book Value per Share 34.06 31.04 9.73 33.46 7.17
Book Value per Share, As Reported 34.06 31.04 9.73 33.46 7.17
Basic Tangible Book Value per Share 30.38 27.34 11.12 29.78 8.06
Tangible Book Value per Share, As Reported NA 27.34 NA 29.78 NA
Common Dividends Declared per Share 0.38 0.36 5.56 0.36 22.22
EPS after Extra 0.86 0.91 (5.49) 1.03 (66.02)
EPS after Extra Growth(%) (5.50) 16.70 (2,216) bp 56.10 (6,155) bp
Core EPS 0.86 0.91 (5.49) 1.02 (62.75)
Core EPS Growth(%) (5.60) 16.70 (2,229) bp 31.40 (3,701) bp
Diluted EPS before Amortization 0.86 0.91 (5.49) 1.03 (66.02)
Pre-Provision Earnings per Share 0.85 0.92 (7.61) 0.80 25

   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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