Financial Highlights
2019 FQ3
9/30/2019
2019 FQ2
6/30/2019
2019 FQ1
3/31/2019
2018 FQ4
12/31/2018
2018 FQ3
9/30/2018
Balance Sheet ($000)
Total Assets 6,425,335 6,498,362 6,475,301 6,320,578 6,294,193
Total Net Loans 5,457,574 5,514,211 5,485,177 5,373,133 5,392,037
Total Deposits 4,391,406 4,435,536 4,407,622 4,356,754 4,382,250
Equity Attributable to Parent Company 608,904 608,701 606,274 602,081 603,577
Total Equity 608,904 608,701 606,274 602,081 603,577
Profitability (%)
Net Income($000) 4,705 13,035 11,501 12,440 11,782
Net Income Attributable to Parent($000) 4,705 13,035 11,501 12,440 11,782
ROAA 0.29 0.82 0.72 0.80 0.76
Core ROAA 0.29 0.81 0.71 0.85 0.75
ROAE 3.08 8.59 7.62 8.25 7.71
ROATCE 3.34 9.41 8.36 9.05 8.46
Core ROAE 3.04 8.54 7.51 8.83 7.66
Net Interest Margin 2.34 2.38 2.31 2.46 2.33
Reported: Net Interest Margin 2.34 2.38 2.31 2.46 2.33
Efficiency Ratio 57.69 56.83 58.82 55.97 58.10
Noninterest Inc/ Operating Rev 8.31 6.96 5.78 5.68 5.71
Balance Sheet Ratios (%)
Loans/ Deposits 124.86 124.71 124.93 123.80 123.53
Securities/ Assets 9.02 8.30 8.85 8.96 8.43
Total Equity/ Total Assets 9.48 9.37 9.36 9.53 9.59
Tangible Equity/ Tangible Assets 8.69 8.58 8.58 8.72 8.78
Tang Common Equity/ Tang Assets 8.69 8.58 8.58 8.72 8.78
Asset Quality (%)
NPAs/ Assets 0.26 0.11 0.15 0.11 0.11
NPA Excl Restructured/ Assets 0.25 0.04 0.08 0.04 0.05
NPAs & 90+ PD/ Assets 0.26 0.13 0.26 0.11 0.13
NPAs/ Loans & REO 0.30 0.12 0.18 0.12 0.13
Nonaccrual & 90+ & OREO/ Assets 0.26 0.06 0.19 0.04 0.07
NPAs & 90+ PD/ Loans & REO 0.31 0.15 0.30 0.13 0.15
NPA & Loans 90+/ Tangible Common Equity + LLR 2.89 1.46 2.92 1.20 1.46
NCOs/ Avg Loans 0.37 0.03 0.01 0.01 0
Loan Loss Reserves/ Gross Loans 0.50 0.38 0.40 0.40 0.39
Reserves/ NPAs 166.56 309.07 224.83 324.43 301.95
Loan Loss Provision/ NCO 221.55 (125.42) 198.15 399.34 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 559,351 555,870 552,943 553,673
Tier 1 Capital($000) NA 559,351 555,870 552,943 553,673
Tier 2 Capital($000) NA 135,411 137,385 137,227 136,775
Total Capital($000) NA 694,762 693,255 690,170 690,448
Total Risk-weighted Assets($000) NA 5,114,704 5,034,384 4,808,021 4,747,696
Tier 1 Common Capital (CET1) Ratio(%) 10.62 10.94 11.04 11.50 11.66
Tier 1 Ratio(%) 10.62 10.94 11.04 11.50 11.66
Total Capital Ratio(%) 13.33 13.58 13.77 14.35 14.54
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.76 8.83 8.81 8.92 8.96
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 35,951,652 35,887,395 36,020,112 36,081,455 36,612,153
Avg Diluted Shares(actual) 35,769,461 35,864,389 35,976,915 36,296,298 37,189,648
Basic Book Value per Share 16.94 16.96 16.83 16.69 16.49
Book Value per Share, As Reported 16.94 16.96 16.83 16.69 16.49
Basic Tangible Book Value per Share 15.39 15.41 15.29 15.14 14.97
Tangible Book Value per Share, As Reported 15.39 15.41 15.29 15.14 14.97
Common Dividends Declared per Share 0.14 0.14 0.14 0.14 0.14
EPS after Extra 0.13 0.36 0.32 0.34 0.32
EPS after Extra Growth(%) (59.40) 9.10 (17.90) (17.10) (8.60)
Core EPS 0.13 0.36 0.32 0.36 0.32
Core EPS Growth(%) (59.70) 8.60 (12.60) 16 (5)
Diluted EPS before Amortization 0.13 0.36 0.32 0.34 0.32
Pre-Provision Earnings per Share 0.37 0.37 0.34 0.37 0.33
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.