Financial Highlights
2019 FQ3
9/30/2019
2018 FQ3
9/30/2018
Y-Y Ch (%)
2019 FQ2
6/30/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 7,346,791 5,517,539 33.15 7,181,855 9.19
Total Net Loans 5,189,740 4,223,982 22.86 5,107,112 6.47
Total Deposits 5,624,380 4,210,476 33.58 5,559,338 4.68
Equity Attributable to Parent Company 846,095 586,837 44.18 825,501 9.98
Total Equity 846,095 586,837 44.18 825,501 9.98
Profitability (%)
Net Income($000) 29,069 22,516 29.10 18,424 231.11
Net Income Attributable to Parent($000) 29,069 22,516 29.10 18,424 231.11
ROAA 1.61 1.65 (4) bp 1.04 57 bp
Core ROAA 1.68 1.72 (4) bp 1.58 10 bp
ROAE 13.78 15.35 (157) bp 9.06 472 bp
ROATCE 20.06 20.01 5 bp 13.72 634 bp
Core ROAE 14.39 16.05 (166) bp 13.68 71 bp
Net Interest Margin 3.85 3.81 4 bp 3.85 0 bp
Reported: Net Interest Margin 3.81 3.78 3 bp 3.86 (5) bp
Efficiency Ratio 47.28 50.46 (318) bp 50.19 (291) bp
Noninterest Inc/ Operating Rev 17.33 14.86 247 bp 16.26 107 bp
Balance Sheet Ratios (%)
Loans/ Deposits 92.95 101.35 (840) bp 92.63 32 bp
Securities/ Assets 18.44 14.05 439 bp 18.50 (6) bp
Total Equity/ Total Assets 11.52 10.64 88 bp 11.49 3 bp
Tangible Equity/ Tangible Assets 8.54 8.54 0 bp 8.43 11 bp
Tang Common Equity/ Tang Assets 8.54 8.54 0 bp 8.43 11 bp
Asset Quality (%)
NPAs/ Assets 0.33 0.29 4 bp 0.37 (4) bp
NPA Excl Restructured/ Assets 0.33 0.28 5 bp 0.36 (3) bp
NPAs & 90+ PD/ Assets 0.33 0.32 1 bp 0.42 (9) bp
NPAs/ Loans & REO 0.46 0.38 8 bp 0.51 (5) bp
Nonaccrual & 90+ & OREO/ Assets 0.33 0.30 3 bp 0.42 (9) bp
NPAs & 90+ PD/ Loans & REO 0.46 0.41 5 bp 0.59 (13) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 3.69 3.46 23 bp 4.83 (114) bp
NCOs/ Avg Loans 0.08 0.23 (15) bp 0.08 0 bp
Loan Loss Reserves/ Gross Loans 0.85 1.04 (19) bp 0.85 0 bp
Reserves/ NPAs 185.59 273.38 (8,779) bp 166.16 1,943 bp
Loan Loss Provision/ NCO 171.31 92.48 7,883 bp 177.53 (622) bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 590,938 479,231 23.31 575,328 10.85
Tier 1 Capital($000) 684,595 546,891 25.18 668,985 9.33
Tier 2 Capital($000) 95,060 94,611 0.47 94,327 3.11
Total Capital($000) 779,655 641,502 21.54 763,312 8.56
Total Risk-weighted Assets($000) 6,131,039 4,958,999 23.63 6,049,227 5.41
Tier 1 Common Capital (CET1) Ratio(%) 9.64 9.66 (2) bp 9.51 13 bp
Tier 1 Ratio(%) 11.17 11.03 14 bp 11.06 11 bp
Total Capital Ratio(%) 12.72 12.94 (22) bp 12.62 10 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.83 10.20 (37) bp 9.81 2 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 26,612,767 23,091,666 15.25 26,906,141 (4.36)
Avg Diluted Shares(actual) 26,868,000 23,329,000 15.17 26,940,000 (1.07)
Basic Book Value per Share 31.79 25.41 25.11 30.68 14.47
Book Value per Share, As Reported 31.79 25.41 25.11 30.68 14.47
Basic Tangible Book Value per Share 22.82 19.94 14.44 21.74 19.87
Tangible Book Value per Share, As Reported 22.82 19.94 14.44 21.74 19.87
Common Dividends Declared per Share 0.16 0.12 33.33 0.15 26.67
EPS after Extra 1.08 0.97 11.34 0.68 235.29
EPS after Extra Growth(%) 11.30 40.60 (2,924) bp (28.40) 3,976 bp
Core EPS 1.13 1.01 11.88 1.03 38.83
Core EPS Growth(%) 11.20 41.30 (3,015) bp 4.80 637 bp
Diluted EPS before Amortization 1.14 1 14 0.74 216.22
Pre-Provision Earnings per Share 1.13 0.93 21.51 1.02 43.14

   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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