Financial Highlights
Financial Highlights
2020 FQ3
9/30/2020
2019 FQ2
6/30/2019
Y-Y Ch (%)
2020 FQ1
3/31/2020
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 5,020,421 4,377,257 14.69 4,352,645 61.37
Total Net Loans 3,530,038 3,158,276 11.77 3,239,499 35.87
Total Deposits 3,894,181 3,437,181 13.30 3,395,108 58.80
Equity Attributable to Parent Company 644,450 594,708 8.36 612,922 20.58
Total Equity 644,450 594,708 8.36 612,922 20.58
Profitability (%)
Net Income($000) 17,447 18,324 (4.79) 6,579 660.77
Net Income Attributable to Parent($000) 17,447 18,324 (4.79) 6,579 660.77
ROAA 1.39 1.68 (29) bp 0.60 79 bp
Core ROAA 1.38 1.67 (29) bp 0.58 80 bp
ROAE 10.87 12.42 (155) bp 4.21 666 bp
ROATCE 12.10 13.97 (187) bp 4.71 739 bp
Core ROAE 10.80 12.31 (151) bp 4.09 671 bp
Net Interest Margin 3.18 3.56 (38) bp 3.56 (38) bp
Reported: Net Interest Margin 3.16 3.57 (41) bp 3.58 (42) bp
Efficiency Ratio 55.09 60.09 (500) bp 57.36 (227) bp
Noninterest Inc/ Operating Rev 28.16 25.06 310 bp 23.72 444 bp
Balance Sheet Ratios (%)
Loans/ Deposits 91.36 92.87 (151) bp 96.83 (547) bp
Securities/ Assets 19.25 13.98 527 bp 15.01 424 bp
Total Equity/ Total Assets 12.84 13.59 (75) bp 14.08 (124) bp
Tangible Equity/ Tangible Assets 11.68 12.27 (59) bp 12.77 (109) bp
Tang Common Equity/ Tang Assets 11.68 12.27 (59) bp 12.77 (109) bp
Asset Quality (%)
NPAs/ Assets 1.89 2.20 (31) bp 2.34 (45) bp
NPA Excl Restructured/ Assets 0.55 0.81 (26) bp 0.85 (30) bp
NPAs & 90+ PD/ Assets 2.25 2.45 (20) bp 2.75 (50) bp
NPAs/ Loans & REO 2.64 2.99 (35) bp 3.07 (43) bp
Nonaccrual & 90+ & OREO/ Assets 0.91 1.06 (15) bp 1.27 (36) bp
NPAs & 90+ PD/ Loans & REO 3.14 3.33 (19) bp 3.62 (48) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 18.02 19 (98) bp 20.06 (204) bp
NCOs/ Avg Loans 0.12 0.20 (8) bp 0.17 (5) bp
Loan Loss Reserves/ Gross Loans 1.34 1.10 24 bp 1.50 (16) bp
Reserves/ NPAs 50.53 36.40 1,413 bp 48.63 190 bp
Loan Loss Provision/ NCO 225.07 99.62 12,545 bp NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 526,165 NA 547,143 NA
Tier 1 Capital($000) NA 583,665 NA 603,143 NA
Tier 2 Capital($000) NA 35,250 NA NA NA
Total Capital($000) NA 618,915 NA NA NA
Total Risk-weighted Assets($000) NA 3,126,054 NA 3,210,933 NA
Tier 1 Common Capital (CET1) Ratio(%) 17.25 16.83 42 bp 17.04 21 bp
Tier 1 Ratio(%) 18.94 18.67 27 bp 18.79 15 bp
Total Capital Ratio(%) 20.19 19.80 39 bp 20.03 16 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 12.65 13.61 (96) bp 13.99 (134) bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 17,802,000 17,772,309 0.17 17,787,274 0.33
Avg Diluted Shares(actual) 17,752,000 17,733,244 0.11 17,763,000 (0.25)
Basic Book Value per Share 36.20 33.46 8.19 34.46 20.20
Book Value per Share, As Reported 36.20 33.46 8.19 34.46 20.20
Basic Tangible Book Value per Share 32.52 29.78 9.20 30.78 22.61
Tangible Book Value per Share, As Reported NA 29.78 NA NA NA
Common Dividends Declared per Share 0.39 0.36 5.56 0.38 0
EPS after Extra 0.98 1.03 (4.85) 0.37 659.46
EPS after Extra Growth(%) 14 56.10 (4,211) bp (56) 6,990 bp
Core EPS 0.97 1.02 (4.90) 0.36 677.78
Core EPS Growth(%) 13.30 31.40 (1,814) bp (56.50) 6,975 bp
Diluted EPS before Amortization 0.98 1.03 (4.85) 0.37 659.46
Pre-Provision Earnings per Share 1.02 0.80 27.50 0.86 74.42

   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.


Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.