Financial Highlights
2019 FQ4
12/31/2019
2018 FQ3
9/30/2018
Y-Y Ch (%)
2019 FQ2
6/30/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 7,333,791 5,517,539 32.92 7,181,855 8.46
Total Net Loans 5,276,619 4,223,982 24.92 5,107,112 13.28
Total Deposits 5,771,023 4,210,476 37.06 5,559,338 15.23
Equity Attributable to Parent Company 867,185 586,837 47.77 825,501 20.20
Total Equity 867,185 586,837 47.77 825,501 20.20
Profitability (%)
Net Income($000) 29,090 22,516 29.20 18,424 231.57
Net Income Attributable to Parent($000) 29,090 22,516 29.20 18,424 231.57
ROAA 1.59 1.65 (6) bp 1.04 55 bp
Core ROAA 1.59 1.72 (13) bp 1.58 1 bp
ROAE 13.54 15.35 (181) bp 9.06 448 bp
ROATCE NA 20.01 NA 13.72 NA
Core ROAE 13.57 16.05 (248) bp 13.68 (11) bp
Net Interest Margin 3.71 3.81 (10) bp 3.85 (14) bp
Reported: Net Interest Margin 3.68 3.78 (10) bp 3.86 (18) bp
Efficiency Ratio 50.04 50.46 (42) bp 50.19 (15) bp
Noninterest Inc/ Operating Rev 19.06 14.86 420 bp 16.26 280 bp
Balance Sheet Ratios (%)
Loans/ Deposits 92.09 101.35 (926) bp 92.63 (54) bp
Securities/ Assets 18.47 14.05 442 bp 18.50 (3) bp
Total Equity/ Total Assets 11.82 10.64 118 bp 11.49 33 bp
Tangible Equity/ Tangible Assets 8.89 8.54 35 bp 8.43 46 bp
Tang Common Equity/ Tang Assets 8.89 8.54 35 bp 8.43 46 bp
Asset Quality (%)
NPAs/ Assets NA 0.29 NA 0.37 NA
NPA Excl Restructured/ Assets NA 0.28 NA 0.36 NA
NPAs & 90+ PD/ Assets NA 0.32 NA 0.42 NA
NPAs/ Loans & REO NA 0.38 NA 0.51 NA
Nonaccrual & 90+ & OREO/ Assets NA 0.30 NA 0.42 NA
NPAs & 90+ PD/ Loans & REO NA 0.41 NA 0.59 NA
NPA & Loans 90+/ Tangible Common Equity + LLR NA 3.46 NA 4.83 NA
NCOs/ Avg Loans 0.19 0.23 (4) bp 0.08 11 bp
Loan Loss Reserves/ Gross Loans 0.81 1.04 (23) bp 0.85 (4) bp
Reserves/ NPAs NA 273.38 NA 166.16 NA
Loan Loss Provision/ NCO 52.71 92.48 (3,977) bp 177.53 (12,482) bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 479,231 NA 575,328 NA
Tier 1 Capital($000) NA 546,891 NA 668,985 NA
Tier 2 Capital($000) NA 94,611 NA 94,327 NA
Total Capital($000) NA 641,502 NA 763,312 NA
Total Risk-weighted Assets($000) NA 4,958,999 NA 6,049,227 NA
Tier 1 Common Capital (CET1) Ratio(%) 9.88 9.66 22 bp 9.51 37 bp
Tier 1 Ratio(%) 11.38 11.03 35 bp 11.06 32 bp
Total Capital Ratio(%) 12.89 12.94 (5) bp 12.62 27 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA 10.20 NA 9.81 NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 26,543,000 23,091,666 14.95 26,906,141 (5.40)
Avg Diluted Shares(actual) 26,668,000 23,329,000 14.31 26,940,000 (4.04)
Basic Book Value per Share 32.67 25.41 28.57 30.68 25.95
Book Value per Share, As Reported 32.67 25.41 28.57 30.68 25.95
Basic Tangible Book Value per Share 23.76 19.94 19.16 21.74 37.17
Tangible Book Value per Share, As Reported 23.76 19.94 19.16 21.74 37.17
Common Dividends Declared per Share 0.17 0.12 41.67 0.15 53.33
EPS after Extra 1.09 0.97 12.37 0.68 241.18
EPS after Extra Growth(%) 6.90 40.60 (3,372) bp (28.40) 3,528 bp
Core EPS 1.09 1.01 7.92 1.03 23.30
Core EPS Growth(%) 0.80 41.30 (4,052) bp 4.80 (400) bp
Diluted EPS before Amortization NA 1 NA 0.74 NA
Pre-Provision Earnings per Share 1.12 0.93 20.43 1.02 39.22

   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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