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Financial Highlights

Financial Highlights
2019 FQ1
3/31/2019
2018 FQ1
3/31/2018
Y-Y Ch (%)
2018 FQ4
12/31/2018
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 9,886,525 10,329,319 (4.29) 10,630,067 (27.98)
Total Net Loans 7,518,506 6,895,924 9.03 7,646,797 (6.71)
Total Deposits 7,724,932 7,110,165 8.65 7,916,644 (9.69)
Equity Attributable to Parent Company 948,325 993,756 (4.57) 945,534 1.18
Total Equity 948,325 993,756 (4.57) 945,534 1.18
Profitability (%)
Net Income($000) 7,037 8,558 (17.77) 11,038 (144.99)
Net Income Attributable to Parent($000) 7,037 8,558 (17.77) 11,038 (144.99)
ROAA 0.27 0.33 (6) bp 0.43 (16) bp
Core ROAA 0.37 0.14 23 bp 0.48 (11) bp
ROAE 2.94 3.36 (42) bp 4.60 (166) bp
ROATCE 1.77 2.22 (45) bp 4.12 (235) bp
Core ROAE 4 1.41 259 bp 5.15 (115) bp
Net Interest Margin 2.77 2.94 (17) bp 2.91 (14) bp
Reported: Net Interest Margin 2.81 2.98 (17) bp 2.88 (7) bp
Efficiency Ratio 79.06 78.66 40 bp 66.41 1,265 bp
Noninterest Inc/ Operating Rev 8.24 4.47 377 bp 7.46 78 bp
Balance Sheet Ratios (%)
Loans/ Deposits 97.83 97.47 36 bp 97.27 56 bp
Securities/ Assets 15.45 24.27 (882) bp 19.38 (393) bp
Total Equity/ Total Assets 9.59 9.62 (3) bp 8.89 70 bp
Tangible Equity/ Tangible Assets 9.20 9.22 (2) bp 8.51 69 bp
Tang Common Equity/ Tang Assets 6.85 6.60 25 bp 6.32 53 bp
Asset Quality (%)
NPAs/ Assets 0.34 0.27 7 bp 0.26 8 bp
NPA Excl Restructured/ Assets 0.28 0.22 6 bp 0.21 7 bp
NPAs & 90+ PD/ Assets 0.35 0.27 8 bp 0.27 8 bp
NPAs/ Loans & REO 0.44 0.40 4 bp 0.36 8 bp
Nonaccrual & 90+ & OREO/ Assets 0.29 0.22 7 bp 0.21 8 bp
NPAs & 90+ PD/ Loans & REO 0.45 0.40 5 bp 0.37 8 bp
NPA & Loans 90+/ Tangible Common Equity + LLR 4.65 3.82 83 bp 3.89 76 bp
NCOs/ Avg Loans 0.04 0.83 (79) bp 0.12 (8) bp
Loan Loss Reserves/ Gross Loans 0.84 0.79 5 bp 0.81 3 bp
Reserves/ NPAs 189.97 195.37 (540) bp 222.10 (3,213) bp
Loan Loss Provision/ NCO 306.72 138.60 16,812 bp 296.61 1,011 bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 677,330 670,296 1.05 679,400 (1.22)
Tier 1 Capital($000) 908,458 939,367 (3.29) 910,528 (0.91)
Tier 2 Capital($000) 68,093 59,056 15.30 66,814 7.66
Total Capital($000) 976,551 998,423 (2.19) 977,342 (0.32)
Total Risk-weighted Assets($000) 6,970,740 6,838,522 1.93 7,129,598 (8.91)
Tier 1 Common Capital (CET1) Ratio(%) 9.72 9.80 (8) bp 9.53 19 bp
Tier 1 Ratio(%) 13.03 13.74 (71) bp 12.77 26 bp
Total Capital Ratio(%) 14.01 14.60 (59) bp 13.71 30 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.87 9.21 (34) bp 8.95 (8) bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 50,792,811 50,587,843 0.41 50,649,339 1.13
Avg Diluted Shares(actual) 50,846,721 50,925,530 (0.15) 50,812,874 0.27
Basic Book Value per Share 14.12 14.33 (1.47) 14.10 0.57
Book Value per Share, As Reported 14.12 14.33 (1.47) 14.10 0.57
Basic Tangible Book Value per Share 13.28 13.42 (1.04) 13.21 2.12
Tangible Book Value per Share, As Reported 13.28 13.42 (1.04) 13.25 0.91
Common Dividends Declared per Share 0.13 0.13 0 0.13 0
EPS after Extra 0.05 0.06 (16.67) 0.13 (246.15)
EPS after Extra Growth(%) (16.70) (73.90) 5,724 bp 8.30 (2,500) bp
Core EPS 0.10 (0.03) NM 0.16 (150)
Core EPS Growth(%) NM NM NM 249.10 NM
Diluted EPS before Amortization 0.06 0.08 (25) 0.14 (228.57)
Pre-Provision Earnings per Share 0.14 0.12 16.67 0.30 (213.33)

   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.