Financial Highlights
Financial Highlights
2019 FQ2
6/30/2019
2018 FQ2
6/30/2018
Y-Y Ch (%)
2019 FQ1
3/31/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 2,869,116 2,770,558 3.56 2,852,041 2.39
Total Net Loans 2,326,803 2,207,482 5.41 2,293,225 5.86
Total Deposits 2,259,179 2,135,345 5.80 2,289,803 (5.35)
Equity Attributable to Parent Company 317,554 301,484 5.33 314,709 3.62
Total Equity 317,554 301,484 5.33 314,709 3.62
Profitability (%)
Net Income($000) 10,486 9,541 9.90 8,656 84.57
Net Income Attributable to Parent($000) 10,486 9,541 9.90 8,656 84.57
ROAA 1.48 1.40 8 bp 1.22 26 bp
Core ROAA 1.47 1.40 7 bp 1.30 17 bp
ROAE 13.22 12.56 66 bp 10.99 223 bp
ROATCE 14.39 13.74 65 bp 11.99 240 bp
Core ROAE 13.20 12.60 60 bp 11.63 157 bp
Net Interest Margin 3.30 3.33 (3) bp 3.34 (4) bp
Reported: Net Interest Margin 3.33 3.36 (3) bp 3.38 (5) bp
Efficiency Ratio 55.36 56.73 (137) bp 59.92 (456) bp
Noninterest Inc/ Operating Rev 22.83 21.28 155 bp 21.09 174 bp
Balance Sheet Ratios (%)
Loans/ Deposits 99.59 99.34 25 bp 97.65 194 bp
Securities/ Assets 11.63 12.57 (94) bp 11.59 4 bp
Total Equity/ Total Assets 11.07 10.88 19 bp 11.03 4 bp
Tangible Equity/ Tangible Assets 10.32 10.10 22 bp 10.28 4 bp
Tang Common Equity/ Tang Assets 10.32 10.10 22 bp 10.28 4 bp
Asset Quality (%)
NPAs/ Assets 0.97 1.14 (17) bp 0.86 11 bp
NPA Excl Restructured/ Assets 0.48 0.57 (9) bp 0.34 14 bp
NPAs & 90+ PD/ Assets 0.97 1.14 (17) bp 0.86 11 bp
NPAs/ Loans & REO 1.18 1.42 (24) bp 1.06 12 bp
Nonaccrual & 90+ & OREO/ Assets 0.48 0.57 (9) bp 0.34 14 bp
NPAs & 90+ PD/ Loans & REO 1.18 1.42 (24) bp 1.06 12 bp
NPA & Loans 90+/ Tangible Common Equity + LLR 8.82 10.58 (176) bp 7.92 90 bp
NCOs/ Avg Loans (0.02) 0.01 (3) bp 0.01 (3) bp
Loan Loss Reserves/ Gross Loans 0.87 0.96 (9) bp 0.88 (1) bp
Reserves/ NPAs 73.87 67.70 617 bp 82.89 (902) bp
Loan Loss Provision/ NCO NM (205.97) NM 105.17 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 301,591 NA NA NA
Tier 1 Capital($000) NA 301,591 NA NA NA
Tier 2 Capital($000) NA 21,405 NA NA NA
Total Capital($000) NA 322,996 NA NA NA
Total Risk-weighted Assets($000) NA 2,106,372 NA NA NA
Tier 1 Common Capital (CET1) Ratio(%) NA 14.32 NA NA NA
Tier 1 Ratio(%) NA 14.32 NA NA NA
Total Capital Ratio(%) NA 15.33 NA NA NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA 11.15 NA NA NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 48,068,790 49,904,074 (3.68) 48,852,688 (6.42)
Avg Diluted Shares(actual) 48,644,000 49,944,000 (2.60) 49,113,000 (3.82)
Basic Book Value per Share 6.61 6.04 9.44 6.44 10.56
Book Value per Share, As Reported 6.61 6.04 9.44 6.44 10.56
Basic Tangible Book Value per Share 6.11 5.56 9.89 5.95 10.76
Tangible Book Value per Share, As Reported 6.11 5.56 9.89 5.95 10.76
Common Dividends Declared per Share 0.07 0.06 16.67 0.07 0
EPS after Extra 0.22 0.19 15.79 0.18 88.89
EPS after Extra Growth(%) 15.80 18.80 (296) bp 5.90 991 bp
Core EPS 0.22 0.19 15.79 0.19 63.16
Core EPS Growth(%) 15.20 20.90 (570) bp 12.30 294 bp
Diluted EPS before Amortization 0.22 0.19 15.79 0.18 88.89
Pre-Provision Earnings per Share 0.21 0.18 16.67 0.18 66.67

   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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