|
|
| Balance Sheet ($000)
| |
| Total Assets | 2,642,185 | 2,677,440 |
(1.32)
| 2,662,965 |
(3.12)
|
| Total Net Loans | 1,406,844 | 1,482,744 |
(5.12)
| 1,394,930 | 3.42 |
| Total Deposits | 2,148,190 | 2,188,875 |
(1.86)
| 2,148,436 |
(0.05)
|
| Equity Attributable to Parent Company | 426,936 | 408,503 | 4.51 | 430,216 |
(3.05)
|
| Total Equity | 426,936 | 408,503 | 4.51 | 430,216 |
(3.05)
|
| Profitability (%)
| |
| Net Income
($000)
|
(1,156)
| 5,138 | NM | 3,215 | NM |
| Net Income Attributable to Parent
($000)
|
(1,156)
| 5,138 | NM | 3,215 | NM |
| ROAA | (0.18) | 0.77 |
(95)
bp
| 0.49 |
(67)
bp
|
| Core ROAA | (0.17) | 0.79 |
(96)
bp
| 0.42 |
(59)
bp
|
| ROAE | (1.06) | 5.05 |
(611)
bp
| 2.95 |
(401)
bp
|
| ROATCE | (0.86) | 5.31 |
(617)
bp
| 3.18 |
(404)
bp
|
| Core ROAE | (1.05) | 5.15 |
(620)
bp
| 2.56 |
(361)
bp
|
| Net Interest Margin | 6.44 | 6.99 |
(55)
bp
| 8.08 |
(164)
bp
|
| Reported: Net Interest Margin | 6.53 | 7.03 |
(50)
bp
| 7.77 |
(124)
bp
|
| Efficiency Ratio | 110.95 | 67.08 | 4,387
bp
| 76.40 | 3,455
bp
|
| Noninterest Inc /
Operating Rev | (57.65) | (14.00) |
(4,365)
bp
| (40.20) |
(1,745)
bp
|
| Balance Sheet Ratios/ Capital (%)
| |
| Loans /
Deposits | 67.42 | 70.67 |
(325)
bp
| 67.97 |
(55)
bp
|
| Securities /
Assets | 13.43 | 12.39 | 104
bp
| 11.57 | 186
bp
|
| Total Equity /
Total Assets | 16.16 | 15.26 | 90
bp
| 16.16 | 0
bp
|
| Tangible Equity /
Tangible Assets | 15.74 | 15.00 | 74
bp
| 15.73 | 1
bp
|
| Tang Common Equity /
Tang Assets | 15.74 | 15.00 | 74
bp
| 15.73 | 1
bp
|
| Tier 1 Common Capital Ratio | NA | 32.92 | NA
bp
| 29.25 | NA
bp
|
| Tier 1 Ratio | 28.17 | 32.92 |
(475)
bp
| 29.25 |
(108)
bp
|
| Risk-based Capital Ratio | 29.45 | 34.22 |
(477)
bp
| 30.54 |
(109)
bp
|
| Leverage Ratio (Bank, BHC Only) | 15.51 | 15.06 | 45
bp
| 15.49 | 2
bp
|
| Core Cap /
Tang Assets (OTS Only) | NA | NA | NA | NA | NA |
| Asset Quality (%)
| |
| NPAs /
Assets | 0.18 | 0.18 | 0
bp
| 0.22 |
(4)
bp
|
| NPA Excl Restructured /
Assets | 0.17 | 0.17 | 0
bp
| 0.17 | 0
bp
|
| NPAs & 90+ PD /
Assets | 0.18 | 0.18 | 0
bp
| 0.22 |
(4)
bp
|
| NPAs /
Loans & REO | 0.44 | 0.60 |
(16)
bp
| 0.60 |
(16)
bp
|
| Nonaccrual & 90+ & OREO /
Assets | 0.17 | 0.17 | 0
bp
| 0.17 | 0
bp
|
| NPAs & 90+ PD /
Loans & REO | 0.44 | 0.60 |
(16)
bp
| 0.60 |
(16)
bp
|
| NPA & Loans 90+ /
Tangible Common Equity + LLR | 1.02 | 1.04 |
(2)
bp
| 1.21 |
(19)
bp
|
| NCOs /
Avg Loans | (0.04) | 0.03 |
(7)
bp
| 0 |
(4)
bp
|
| Loan Loss Reserves /
Gross Loans | 3.02 | 4.37 |
(135)
bp
| 4.79 |
(177)
bp
|
| Reserves /
NPAs | 940.72 | NM | NM | NM | NM |
| Loan Loss Provision /
NCO | NM | 413.11 | NM | NM | NM |
| Per Share Information ($)
| |
| Common Shares Outstanding
(actual)
| 31,918,665 | 31,721,236 | 0.62 | 31,908,665 | 0.13 |
| Avg Diluted Shares
(actual)
| 31,908,776 | 32,794,798 |
(2.70)
| 33,179,198 |
(15.32)
|
| Basic Book Value per Share | 13.38 | 12.88 | 3.88 | 13.48 |
(2.97)
|
| As-reported Book Value per Share | 13.38 | 12.88 | 3.88 | 13.48 |
(2.97)
|
| Basic Tangible Book Value per Share | 12.96 | 12.62 | 2.69 | 13.06 |
(3.06)
|
| Reported: Tangible Book Value | 12.96 | 12.62 | 2.69 | 13.06 |
(3.06)
|
| Common Dividends Declared per Share | 0.03 | 0 | NM | 0.03 | 0 |
| EPS after Extra | (0.04) | 0.16 | NM | 0.09 | NM |
| EPS after Extra Growth
(%)
| NM | (36.0) | NM | (67.9) | NM |
| Core EPS | (0.04) | 0.16 | NM | 0.08 | NM |
| Core EPS Growth
(%)
| NM | (35.9) | NM | NM | NM |
| Diluted EPS before Amortization | (0.03) | 0.17 | NM | 0.10 | NM |
| Pre-Provision Earnings Per Share | (0.09) | 0.17 | NM | 0.13 | NM |
