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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 8,625,337 10,260,822 (15.94) 9,359,931 (31.39)
Total Net Loans 6,344,268 7,204,893 (11.95) 7,257,767 (50.35)
Total Deposits 5,770,058 7,401,742 (22.04) 6,292,290 (33.20)
Equity Attributable to Parent Company 900,988 946,678 (4.83) 963,544 (25.97)
Total Equity 900,988 946,678 (4.83) 963,544 (25.97)
Profitability (%)
Net Income($000) (14,132) 11,096 NM 16,582 NM
Net Income Attributable to Parent($000) (14,132) 11,096 NM 16,582 NM
ROAA (0.65) 0.44 (109) bp 0.69 (134) bp
Core ROAA (0.42) 0.45 (87) bp 0.71 (113) bp
ROAE (5.88) 4.43 (1,031) bp 6.89 (1,277) bp
ROATCE NA 2.40 NA 7.21 NA
Core ROAE (3.81) 4.56 (837) bp 7.04 (1,085) bp
Net Interest Margin 2.89 2.95 (6) bp 2.85 4 bp
Reported: Net Interest Margin 2.86 2.93 (7) bp 2.86 0 bp
Efficiency Ratio 63.05 78.37 (1,532) bp 69.01 (596) bp
Noninterest Inc/ Operating Rev 13.22 6.33 689 bp (3.66) 1,688 bp
Balance Sheet Ratios (%)
Loans/ Deposits 110.63 97.99 1,264 bp 106.79 384 bp
Securities/ Assets 9.82 20.77 (1,095) bp 13.29 (347) bp
Total Equity/ Total Assets 10.45 9.23 122 bp 10.29 16 bp
Tangible Equity/ Tangible Assets NA 8.82 NA 9.87 NA
Tang Common Equity/ Tang Assets NA 6.56 NA 7.39 NA
Asset Quality (%)
NPAs/ Assets 0.60 0.31 29 bp 0.52 8 bp
NPA Excl Restructured/ Assets 0.52 0.25 27 bp 0.31 21 bp
NPAs & 90+ PD/ Assets 0.60 0.31 29 bp 0.53 7 bp
NPAs/ Loans & REO 0.81 0.43 38 bp 0.67 14 bp
Nonaccrual & 90+ & OREO/ Assets 0.52 0.25 27 bp 0.31 21 bp
NPAs & 90+ PD/ Loans & REO 0.81 0.43 38 bp 0.67 14 bp
NPA & Loans 90+/ Tangible Common Equity + LLR NA 4.34 NA 6.59 NA
NCOs/ Avg Loans 2.10 0.02 208 bp 0.13 197 bp
Loan Loss Reserves/ Gross Loans 0.98 0.80 18 bp 0.81 17 bp
Reserves/ NPAs 121.09 183.22 (6,213) bp 121.43 (34) bp
Loan Loss Provision/ NCO 109.69 460.78 (35,109) bp (83.66) 19,335 bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 660,255 677,059 (2.48) 688,308 (16.30)
Tier 1 Capital($000) 850,079 908,187 (6.40) 919,436 (30.17)
Tier 2 Capital($000) 67,289 62,030 8.48 63,818 21.76
Total Capital($000) 917,368 970,217 (5.45) 983,254 (26.80)
Total Risk-weighted Assets($000) 6,385,445 6,906,873 (7.55) 6,554,570 (10.32)
Tier 1 Common Capital (CET1) Ratio(%) 10.34 9.80 54 bp 10.50 (16) bp
Tier 1 Ratio(%) 13.32 13.15 17 bp 14.03 (71) bp
Total Capital Ratio(%) 14.37 14.05 32 bp 15 (63) bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.84 8.99 85 bp 9.62 22 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 50,884,084 50,657,928 0.45 50,875,090 0.07
Avg Diluted Shares(actual) 50,882,227 50,899,464 (0.03) 50,964,956 (0.65)
Basic Book Value per Share 13.98 14.13 (1.06) 14.40 (11.67)
Book Value per Share, As Reported 13.98 14.13 (1.06) 14.40 (11.67)
Basic Tangible Book Value per Share NA 13.22 NA 13.54 NA
Tangible Book Value per Share, As Reported 13.16 13.25 (0.68) 13.57 (12.09)
Common Dividends Declared per Share 0.06 0.13 (53.85) 0.06 0
EPS after Extra (0.45) 0.07 NM 0.23 NM
EPS after Extra Growth(%) NM (69.60) NM 27.80 NM
Core EPS (0.35) 0.08 NM 0.24 NM
Core EPS Growth(%) NM (54.20) NM 19.10 NM
Diluted EPS before Amortization (0.44) 0.08 NM 0.24 NM
Pre-Provision Earnings per Share 0.21 0.09 133.33 0.20 20

   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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