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Financial Highlights

Financial Highlights
2020 FQ3
9/30/2020
2019 FQ2
6/30/2019
Y-Y Ch (%)
2020 FQ1
3/31/2020
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 7,738,106 9,359,931 (17.33) 7,662,607 3.94
Total Net Loans 5,588,924 7,257,767 (22.99) 5,609,455 (1.46)
Total Deposits 6,032,266 6,292,290 (4.13) 5,562,838 33.75
Equity Attributable to Parent Company 874,254 963,544 (9.27) 835,002 18.80
Total Equity 874,254 963,544 (9.27) 835,002 18.80
COVID-19 Financial Disclosure
Paycheck Protection Program Loan($000) NA NA NA NA NA
PPP Loan Ratio(%) NA NA NA NA NA
COVID-19 Loan Modification($000) NA NA NA NA NA
COVID-19 Loan Modification Ratio(%) NA NA NA NA NA
Processing Fees on PPP Loans($000) NA NA NA NA NA
Profitability (%)
Net Income($000) 15,913 16,582 (4.03) (6,593) NM
Net Income Attributable to Parent($000) 15,913 16,582 (4.03) (6,593) NM
ROAA 0.83 0.69 14 bp (0.35) 118 bp
Core ROAA 0.84 0.71 13 bp (0.33) 117 bp
ROAE 7.36 6.89 47 bp (2.88) 1,024 bp
ROATCE 7.74 7.21 53 bp (5.47) 1,321 bp
Core ROAE 7.48 7.04 44 bp (2.73) 1,021 bp
Net Interest Margin 3.11 2.85 26 bp 2.95 16 bp
Reported: Net Interest Margin 3.09 2.86 23 bp 2.97 12 bp
Efficiency Ratio 66.95 69.01 (206) bp 86.22 (1,927) bp
Noninterest Inc/ Operating Rev 6.61 (3.66) 1,027 bp 3.82 279 bp
Balance Sheet Ratios (%)
Loans/ Deposits 94.13 106.79 (1,266) bp 101.88 (775) bp
Securities/ Assets 16.68 13.29 339 bp 13.40 328 bp
Total Equity/ Total Assets 11.30 10.29 101 bp 10.90 40 bp
Tangible Equity/ Tangible Assets 10.82 9.87 95 bp 10.41 41 bp
Tang Common Equity/ Tang Assets 8.42 7.39 103 bp 7.94 48 bp
Asset Quality (%)
NPAs/ Assets 0.93 0.52 41 bp 0.82 11 bp
NPA Excl Restructured/ Assets 0.86 0.31 55 bp 0.74 12 bp
NPAs & 90+ PD/ Assets 0.93 0.53 40 bp 0.82 11 bp
NPAs/ Loans & REO 1.26 0.67 59 bp 1.10 16 bp
Nonaccrual & 90+ & OREO/ Assets 0.86 0.31 55 bp 0.74 12 bp
NPAs & 90+ PD/ Loans & REO 1.27 0.67 60 bp 1.10 17 bp
NPA & Loans 90+/ Tangible Common Equity + LLR 9.78 6.59 319 bp 9.15 63 bp
NCOs/ Avg Loans 0.11 0.13 (2) bp 0.12 (1) bp
Loan Loss Reserves/ Gross Loans 1.60 0.81 79 bp 1.38 22 bp
Reserves/ NPAs 126.74 121.43 531 bp 125.04 170 bp
Loan Loss Provision/ NCO 135.41 (83.66) 21,907 bp NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 639,846 688,308 (7.04) 651,693 (7.27)
Tier 1 Capital($000) 824,724 919,436 (10.30) 839,380 (6.98)
Tier 2 Capital($000) 69,278 63,818 8.56 70,390 (6.32)
Total Capital($000) 894,002 983,254 (9.08) 909,770 (6.93)
Total Risk-weighted Assets($000) 5,520,623 6,554,570 (15.77) 5,630,130 (7.78)
Tier 1 Common Capital (CET1) Ratio(%) 11.59 10.50 109 bp 11.58 1 bp
Tier 1 Ratio(%) 14.94 14.03 91 bp 14.91 3 bp
Total Capital Ratio(%) 16.19 15 119 bp 16.16 3 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.79 9.62 117 bp 11.20 (41) bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 50,237,864 50,875,090 (1.25) 50,070,398 1.34
Avg Diluted Shares(actual) 50,190,933 50,964,956 (1.52) 50,464,777 (2.17)
Basic Book Value per Share 13.72 14.40 (4.72) 12.93 24.44
Book Value per Share, As Reported 13.72 14.40 (4.72) 12.93 24.44
Basic Tangible Book Value per Share 12.90 13.54 (4.73) 12.09 26.80
Tangible Book Value per Share, As Reported 12.92 13.57 (4.79) 12.11 26.75
Common Dividends Declared per Share 0.06 0.06 0 0.06 0
EPS after Extra 0.24 0.23 4.35 (0.19) NM
EPS after Extra Growth(%) NM 27.80 NM NM NM
Core EPS 0.25 0.24 4.17 (0.18) NM
Core EPS Growth(%) NM 19.10 NM NM NM
Diluted EPS before Amortization 0.25 0.24 4.17 (0.18) NM
Pre-Provision Earnings per Share 0.23 0.20 15 0.05 1,440

   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.