Financial Highlights
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 4,366,003 4,173,843 4.60 4,377,257 (1.03)
Total Net Loans 3,214,735 3,143,126 2.28 3,158,276 7.15
Total Deposits 3,405,572 3,273,646 4.03 3,437,181 (3.68)
Equity Attributable to Parent Company 614,886 550,264 11.74 594,708 13.57
Total Equity 614,886 550,264 11.74 594,708 13.57
Profitability (%)
Net Income($000) 16,008 16,106 (0.61) 18,324 (50.56)
Net Income Attributable to Parent($000) 16,008 16,106 (0.61) 18,324 (50.56)
ROAA 1.47 1.54 (7) bp 1.68 (21) bp
Core ROAA 1.45 1.54 (9) bp 1.67 (22) bp
ROAE 10.43 11.72 (129) bp 12.42 (199) bp
ROATCE 11.68 13.30 (162) bp 13.97 (229) bp
Core ROAE 10.33 11.72 (139) bp 12.31 (198) bp
Net Interest Margin 3.58 3.71 (13) bp 3.56 2 bp
Reported: Net Interest Margin 3.55 3.68 (13) bp 3.57 (2) bp
Efficiency Ratio 58.88 55.10 378 bp 60.09 (121) bp
Noninterest Inc/ Operating Rev 26.58 25.95 63 bp 25.06 152 bp
Balance Sheet Ratios (%)
Loans/ Deposits 95.39 97.07 (168) bp 92.87 252 bp
Securities/ Assets 14.15 14.17 (2) bp 13.98 17 bp
Total Equity/ Total Assets 14.08 13.18 90 bp 13.59 49 bp
Tangible Equity/ Tangible Assets 12.78 11.80 98 bp 12.27 51 bp
Tang Common Equity/ Tang Assets 12.78 11.80 98 bp 12.27 51 bp
Asset Quality (%)
NPAs/ Assets 2.15 2.41 (26) bp 2.20 (5) bp
NPA Excl Restructured/ Assets 0.77 1.02 (25) bp 0.81 (4) bp
NPAs & 90+ PD/ Assets 2.60 2.61 (1) bp 2.45 15 bp
NPAs/ Loans & REO 2.87 3.14 (27) bp 2.99 (12) bp
Nonaccrual & 90+ & OREO/ Assets 1.22 1.22 0 bp 1.06 16 bp
NPAs & 90+ PD/ Loans & REO 3.47 3.39 8 bp 3.33 14 bp
NPA & Loans 90+/ Tangible Common Equity + LLR 19.43 20.89 (146) bp 19 43 bp
NCOs/ Avg Loans 0.19 0.19 0 bp 0.20 (1) bp
Loan Loss Reserves/ Gross Loans 1.08 1.13 (5) bp 1.10 (2) bp
Reserves/ NPAs 37.36 35.52 184 bp 36.40 96 bp
Loan Loss Provision/ NCO 118.65 101.31 1,734 bp 99.62 1,903 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($000) NA 3,083,113 NA 3,126,054 NA
Tier 1 Common Capital (CET1) Ratio(%) 17.18 16.08 110 bp 16.83 35 bp
Tier 1 Ratio(%) 18.94 17.94 100 bp 18.67 27 bp
Total Capital Ratio(%) 20.05 19.11 94 bp 19.80 25 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 14.01 13.37 64 bp 13.61 40 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 17,793,000 17,728,075 0.37 17,772,309 0.47
Avg Diluted Shares(actual) 17,760,000 17,709,552 0.28 17,733,244 0.60
Basic Book Value per Share 34.56 31.04 11.34 33.46 13.15
Book Value per Share, As Reported 34.56 31.04 11.34 33.46 13.15
Basic Tangible Book Value per Share 30.88 27.34 12.95 29.78 14.78
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 0.90 0.91 (1.10) 1.03 (50.49)
EPS after Extra Growth(%) 1.10 16.70 (1,555) bp 56.10 (5,494) bp
Core EPS 0.89 0.91 (2.20) 1.02 (50.98)
Core EPS Growth(%) 1.10 16.70 (1,561) bp 31.40 (3,033) bp
Diluted EPS before Amortization 0.90 0.91 (1.10) 1.03 (50.49)
Pre-Provision Earnings per Share 0.90 0.92 (2.17) 0.80 50

   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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