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Financial Highlights

Financial Highlights
2019 FQ4
12/31/2019
2018 FQ3
9/30/2018
Y-Y Ch (%)
2019 FQ2
6/30/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 7,828,410 10,260,822 (23.71) 9,359,931 (65.45)
Total Net Loans 5,916,878 7,204,893 (17.88) 7,257,767 (73.90)
Total Deposits 5,427,167 7,401,742 (26.68) 6,292,290 (55)
Equity Attributable to Parent Company NA 946,678 NA 963,544 NA
Total Equity 907,245 946,678 (4.17) 963,544 (23.37)
Profitability (%)
Net Income($000) 14,272 11,096 28.62 16,582 (55.72)
Net Income Attributable to Parent($000) NA 11,096 NA 16,582 NA
ROAA 0.72 0.44 28 bp 0.69 3 bp
Core ROAA NA 0.45 NA 0.71 NA
ROAE 6.25 4.43 182 bp 6.89 (64) bp
ROATCE NA 2.40 NA 7.21 NA
Core ROAE NA 4.56 NA 7.04 NA
Net Interest Margin 3.07 2.95 12 bp 2.85 22 bp
Reported: Net Interest Margin 3.04 2.93 11 bp 2.86 18 bp
Efficiency Ratio 73.98 78.37 (439) bp 69.01 497 bp
Noninterest Inc/ Operating Rev 8 6.33 167 bp (3.66) 1,166 bp
Balance Sheet Ratios (%)
Loans/ Deposits NA 97.99 NA 106.79 NA
Securities/ Assets NA 20.77 NA 13.29 NA
Total Equity/ Total Assets 11.59 9.23 236 bp 10.29 130 bp
Tangible Equity/ Tangible Assets 11.09 8.82 227 bp 9.87 122 bp
Tang Common Equity/ Tang Assets 8.66 6.56 210 bp 7.39 127 bp
Asset Quality (%)
NPAs/ Assets 0.64 0.31 33 bp 0.52 12 bp
NPA Excl Restructured/ Assets NA 0.25 NA 0.31 NA
NPAs & 90+ PD/ Assets NA 0.31 NA 0.53 NA
NPAs/ Loans & REO NA 0.43 NA 0.67 NA
Nonaccrual & 90+ & OREO/ Assets NA 0.25 NA 0.31 NA
NPAs & 90+ PD/ Loans & REO NA 0.43 NA 0.67 NA
NPA & Loans 90+/ Tangible Common Equity + LLR NA 4.34 NA 6.59 NA
NCOs/ Avg Loans 0.17 0.02 15 bp 0.13 4 bp
Loan Loss Reserves/ Gross Loans 0.96 0.80 16 bp 0.81 15 bp
Reserves/ NPAs 115.36 183.22 (6,786) bp 121.43 (607) bp
Loan Loss Provision/ NCO (103) 460.78 (56,378) bp (83.66) (1,934) bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 677,059 NA 688,308 NA
Tier 1 Capital($000) NA 908,187 NA 919,436 NA
Tier 2 Capital($000) NA 62,030 NA 63,818 NA
Total Capital($000) NA 970,217 NA 983,254 NA
Total Risk-weighted Assets($000) NA 6,906,873 NA 6,554,570 NA
Tier 1 Common Capital (CET1) Ratio(%) 11.56 9.80 176 bp 10.50 106 bp
Tier 1 Ratio(%) 14.83 13.15 168 bp 14.03 80 bp
Total Capital Ratio(%) 15.90 14.05 185 bp 15 90 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA 8.99 NA 9.62 NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 50,891,002 50,657,928 0.46 50,875,090 0.13
Avg Diluted Shares(actual) NA 50,899,464 NA 50,964,956 NA
Basic Book Value per Share 14.10 14.13 (0.21) 14.40 (8.33)
Book Value per Share, As Reported 14.10 14.13 (0.21) 14.40 (8.33)
Basic Tangible Book Value per Share 13.24 13.22 0.15 13.54 (8.86)
Tangible Book Value per Share, As Reported 13.29 13.25 0.30 13.57 (8.25)
Common Dividends Declared per Share 0.06 0.13 (53.85) 0.06 0
EPS after Extra 0.20 0.07 185.71 0.23 (52.17)
EPS after Extra Growth(%) 53.80 (69.60) 12,342 bp 27.80 2,607 bp
Core EPS NA 0.08 NA 0.24 NA
Core EPS Growth(%) NA (54.20) NA 19.10 NA
Diluted EPS before Amortization NA 0.08 NA 0.24 NA
Pre-Provision Earnings per Share NA 0.09 NA 0.20 NA

   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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