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Financial Highlights

Financial Highlights
2020 FQ1
3/31/2020
2019 FQ1
3/31/2019
Y-Y Ch (%)
2019 FQ4
12/31/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 7,662,607 9,886,525 (22.49) 7,828,410 (8.47)
Total Net Loans 5,609,455 7,518,506 (25.39) 5,916,878 (20.78)
Total Deposits 5,562,838 7,724,932 (27.99) 5,427,167 10
Equity Attributable to Parent Company 835,002 948,325 (11.95) 907,245 (31.85)
Total Equity 835,002 948,325 (11.95) 907,245 (31.85)
Profitability (%)
Net Income($000) (6,593) 7,037 NM 14,272 NM
Net Income Attributable to Parent($000) (6,593) 7,037 NM 14,272 NM
ROAA (0.35) 0.27 (62) bp 0.72 (107) bp
Core ROAA (0.33) 0.37 (70) bp 0.80 (113) bp
ROAE (2.88) 2.94 (582) bp 6.25 (913) bp
ROATCE (5.47) 1.77 (724) bp 6.34 (1,181) bp
Core ROAE (2.73) 4 (673) bp 6.97 (970) bp
Net Interest Margin 2.95 2.77 18 bp 3.07 (12) bp
Reported: Net Interest Margin 2.97 2.81 16 bp 3.04 (7) bp
Efficiency Ratio 86.22 79.06 716 bp 73.24 1,298 bp
Noninterest Inc/ Operating Rev 3.82 8.24 (442) bp 8 (418) bp
Balance Sheet Ratios (%)
Loans/ Deposits 101.88 97.83 405 bp 109.67 (779) bp
Securities/ Assets 13.40 15.45 (205) bp 12.42 98 bp
Total Equity/ Total Assets 10.90 9.59 131 bp 11.59 (69) bp
Tangible Equity/ Tangible Assets 10.41 9.18 123 bp 11.11 (70) bp
Tang Common Equity/ Tang Assets 7.94 6.84 110 bp 8.67 (73) bp
Asset Quality (%)
NPAs/ Assets 0.82 0.34 48 bp 0.64 18 bp
NPA Excl Restructured/ Assets 0.74 0.28 46 bp 0.55 19 bp
NPAs & 90+ PD/ Assets 0.82 0.35 47 bp 0.64 18 bp
NPAs/ Loans & REO 1.10 0.44 66 bp 0.84 26 bp
Nonaccrual & 90+ & OREO/ Assets 0.74 0.29 45 bp 0.55 19 bp
NPAs & 90+ PD/ Loans & REO 1.10 0.45 65 bp 0.84 26 bp
NPA & Loans 90+/ Tangible Common Equity + LLR 9.15 4.66 449 bp 6.82 233 bp
NCOs/ Avg Loans 0.12 0.04 8 bp 0.17 (5) bp
Loan Loss Reserves/ Gross Loans 1.38 0.84 54 bp 0.96 42 bp
Reserves/ NPAs 125.04 189.97 (6,493) bp 115.36 968 bp
Loan Loss Provision/ NCO NM 306.72 NM (103) NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 651,693 677,330 (3.79) 670,355 (11.14)
Tier 1 Capital($000) 839,380 908,458 (7.60) 860,179 (9.67)
Tier 2 Capital($000) 70,390 68,093 3.37 61,713 56.24
Total Capital($000) 909,770 976,551 (6.84) 921,892 (5.26)
Total Risk-weighted Assets($000) 5,630,130 6,970,740 (19.23) 5,799,377 (11.67)
Tier 1 Common Capital (CET1) Ratio(%) 11.58 9.72 186 bp 11.56 2 bp
Tier 1 Ratio(%) 14.91 13.03 188 bp 14.83 8 bp
Total Capital Ratio(%) 16.16 14.01 215 bp 15.90 26 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.20 8.87 233 bp 10.89 31 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 50,070,398 50,792,811 (1.42) 50,891,002 (6.45)
Avg Diluted Shares(actual) 50,464,777 50,846,721 (0.75) 50,927,978 (3.64)
Basic Book Value per Share 12.93 14.12 (8.43) 14.10 (33.19)
Book Value per Share, As Reported 12.93 14.12 (8.43) 14.10 (33.19)
Basic Tangible Book Value per Share 12.09 13.25 (8.75) 13.26 (35.29)
Tangible Book Value per Share, As Reported 12.11 13.28 (8.81) 13.29 (35.52)
Common Dividends Declared per Share 0.06 0.13 (53.85) 0.06 0
EPS after Extra (0.19) 0.05 NM 0.20 NM
EPS after Extra Growth(%) NM (16.70) NM 53.80 NM
Core EPS (0.18) 0.10 NM 0.23 NM
Core EPS Growth(%) NM NM NM 48 NM
Diluted EPS before Amortization (0.18) 0.06 NM 0.21 NM
Pre-Provision Earnings per Share 0.05 0.14 (64.29) 0.17 (282.35)

   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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