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 2,906,573 2,789,183 4.21 2,869,116 5.22
Total Net Loans 2,362,100 2,244,177 5.25 2,326,803 6.07
Total Deposits 2,105,758 2,352,476 (10.49) 2,259,179 (27.16)
Equity Attributable to Parent Company 326,856 306,043 6.80 317,554 11.72
Total Equity 326,856 306,043 6.80 317,554 11.72
Profitability (%)
Net Income($000) 10,504 9,529 10.23 10,486 0.69
Net Income Attributable to Parent($000) 10,504 9,529 10.23 10,486 0.69
ROAA 1.46 1.37 9 bp 1.48 (2) bp
Core ROAA 1.46 1.38 8 bp 1.47 (1) bp
ROAE 13.14 12.25 89 bp 13.22 (8) bp
ROATCE 14.29 13.35 94 bp 14.39 (10) bp
Core ROAE 13.14 12.38 76 bp 13.20 (6) bp
Net Interest Margin 3.19 3.30 (11) bp 3.30 (11) bp
Reported: Net Interest Margin 3.21 3.33 (12) bp 3.33 (12) bp
Efficiency Ratio 52.19 56.17 (398) bp 55.36 (317) bp
Noninterest Inc/ Operating Rev 24.19 22.13 206 bp 22.83 136 bp
Balance Sheet Ratios (%)
Loans/ Deposits 107.73 92.25 1,548 bp 99.59 814 bp
Securities/ Assets 11.33 12.19 (86) bp 11.63 (30) bp
Total Equity/ Total Assets 11.25 10.97 28 bp 11.07 18 bp
Tangible Equity/ Tangible Assets 10.52 10.19 33 bp 10.32 20 bp
Tang Common Equity/ Tang Assets 10.52 10.19 33 bp 10.32 20 bp
Asset Quality (%)
NPAs/ Assets 0.85 0.92 (7) bp 0.97 (12) bp
NPA Excl Restructured/ Assets 0.39 0.36 3 bp 0.48 (9) bp
NPAs & 90+ PD/ Assets 0.85 0.92 (7) bp 0.97 (12) bp
NPAs/ Loans & REO 1.04 1.13 (9) bp 1.18 (14) bp
Nonaccrual & 90+ & OREO/ Assets 0.39 0.36 3 bp 0.48 (9) bp
NPAs & 90+ PD/ Loans & REO 1.04 1.13 (9) bp 1.18 (14) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 7.63 8.43 (80) bp 8.82 (119) bp
NCOs/ Avg Loans 0.20 0.06 14 bp (0.02) 22 bp
Loan Loss Reserves/ Gross Loans 0.84 0.94 (10) bp 0.87 (3) bp
Reserves/ NPAs 81.03 83.43 (240) bp 73.87 716 bp
Loan Loss Provision/ NCO 58.61 77.47 (1,886) bp NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 307,660 NA NA NA
Tier 1 Capital($000) NA 307,660 NA NA NA
Tier 2 Capital($000) NA 21,332 NA NA NA
Total Capital($000) NA 328,992 NA NA NA
Total Risk-weighted Assets($000) NA 2,139,499 NA NA NA
Tier 1 Common Capital (CET1) Ratio(%) NA 14.38 NA NA NA
Tier 1 Ratio(%) NA 14.38 NA NA NA
Total Capital Ratio(%) NA 15.37 NA NA NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA 11.11 NA NA NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 48,087,430 49,922,514 (3.68) 48,068,790 0.16
Avg Diluted Shares(actual) 48,164,000 49,947,000 (3.57) 48,644,000 (3.95)
Basic Book Value per Share 6.80 6.13 10.93 6.61 11.50
Book Value per Share, As Reported 6.80 6.13 10.93 6.61 11.50
Basic Tangible Book Value per Share 6.31 5.65 11.68 6.11 13.09
Tangible Book Value per Share, As Reported 6.31 5.65 11.68 6.11 13.09
Common Dividends Declared per Share 0.08 0.07 14.29 0.07 57.14
EPS after Extra 0.22 0.19 15.79 0.22 0
EPS after Extra Growth(%) 15.80 26.70 (1,088) bp 15.80 0 bp
Core EPS 0.22 0.19 15.79 0.22 0
Core EPS Growth(%) 14.60 29.40 (1,483) bp 15.20 (68) bp
Diluted EPS before Amortization 0.22 0.19 15.79 0.22 0
Pre-Provision Earnings per Share 0.22 0.19 15.79 0.21 19.05

   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.