Financial Highlights
2020 FQ1
3/31/2020
2019 FQ4
12/31/2019
2019 FQ3
9/30/2019
2019 FQ2
6/30/2019
2019 FQ1
3/31/2019
Balance Sheet ($000)
Total Assets 6,347,825 6,354,460 6,425,335 6,498,362 6,475,301
Total Net Loans 5,172,241 5,312,597 5,457,574 5,514,211 5,485,177
Total Deposits 4,239,826 4,282,625 4,391,406 4,435,536 4,407,622
Equity Attributable to Parent Company 645,648 596,758 608,904 608,701 606,274
Total Equity 645,648 596,758 608,904 608,701 606,274
Profitability (%)
Net Income($000) 8,392 6,945 4,705 13,035 11,501
Net Income Attributable to Parent($000) 8,392 6,945 4,705 13,035 11,501
ROAA 0.54 0.44 0.29 0.82 0.72
Core ROAA 0.51 0.63 0.29 0.81 0.71
ROAE 5.35 4.58 3.08 8.59 7.62
ROATCE 6.29 5.04 3.34 9.41 8.36
Core ROAE 5.01 6.55 3.04 8.54 7.51
Net Interest Margin 2.72 2.60 2.34 2.38 2.31
Reported: Net Interest Margin 2.72 2.60 2.34 2.38 2.31
Efficiency Ratio 59.06 56.71 57.69 56.83 58.82
Noninterest Inc/ Operating Rev 8.09 8 8.31 6.96 5.78
Balance Sheet Ratios (%)
Loans/ Deposits 122.82 124.70 124.86 124.71 124.93
Securities/ Assets 9.77 9.65 9.02 8.30 8.85
Total Equity/ Total Assets 10.17 9.39 9.48 9.37 9.36
Tangible Equity/ Tangible Assets 9.38 8.59 8.69 8.58 8.58
Tang Common Equity/ Tang Assets 8.23 8.59 8.69 8.58 8.58
Asset Quality (%)
NPAs/ Assets 0.29 0.17 0.26 0.11 0.15
NPA Excl Restructured/ Assets 0.29 0.17 0.25 0.04 0.08
NPAs & 90+ PD/ Assets 0.30 0.20 0.26 0.13 0.26
NPAs/ Loans & REO 0.35 0.21 0.30 0.12 0.18
Nonaccrual & 90+ & OREO/ Assets 0.30 0.20 0.26 0.06 0.19
NPAs & 90+ PD/ Loans & REO 0.37 0.24 0.31 0.15 0.30
NPA & Loans 90+/ Tangible Common Equity + LLR 3.46 2.22 2.89 1.46 2.92
NCOs/ Avg Loans 0 0.38 0.37 0.03 0.01
Loan Loss Reserves/ Gross Loans 0.70 0.53 0.50 0.38 0.40
Reserves/ NPAs 200.82 256.43 166.56 309.07 224.83
Loan Loss Provision/ NCO NM 122.52 221.55 (125.42) 198.15
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 530,418 547,060 559,574 559,351 555,870
Tier 1 Capital($000) 602,642 547,060 559,574 559,351 555,870
Tier 2 Capital($000) 151,908 143,887 142,739 135,411 137,385
Total Capital($000) 754,550 690,947 702,313 694,762 693,255
Total Risk-weighted Assets($000) 4,961,823 4,905,925 5,269,165 5,114,704 5,034,384
Tier 1 Common Capital (CET1) Ratio(%) 10.69 11.15 10.62 10.94 11.04
Tier 1 Ratio(%) 12.15 11.15 10.62 10.94 11.04
Total Capital Ratio(%) 15.21 14.08 13.33 13.58 13.77
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.80 8.79 8.76 8.83 8.81
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 33,875,386 35,154,642 35,951,652 35,887,395 36,020,112
Avg Diluted Shares(actual) 34,631,965 35,567,196 35,769,461 35,864,389 35,976,915
Basic Book Value per Share 16.93 16.98 16.94 16.96 16.83
Book Value per Share, As Reported 16.93 16.98 16.94 16.96 16.83
Basic Tangible Book Value per Share 15.29 15.39 15.39 15.41 15.29
Tangible Book Value per Share, As Reported 15.29 15.39 15.39 15.41 15.29
Common Dividends Declared per Share 0.14 0.14 0.14 0.14 0.14
EPS after Extra 0.24 0.19 0.13 0.36 0.32
EPS after Extra Growth(%) (25) (44.10) (59.40) 9.10 (17.90)
Core EPS 0.22 0.27 0.13 0.36 0.32
Core EPS Growth(%) (28.80) (25.40) (59.70) 8.60 (12.60)
Diluted EPS before Amortization 0.24 0.19 0.13 0.36 0.32
Pre-Provision Earnings per Share 0.41 0.40 0.37 0.37 0.34
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.