0001564590-20-001960.txt : 20200127 0001564590-20-001960.hdr.sgml : 20200127 20200127074340 ACCESSION NUMBER: 0001564590-20-001960 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 15 CONFORMED PERIOD OF REPORT: 20200127 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20200127 DATE AS OF CHANGE: 20200127 FILER: COMPANY DATA: COMPANY CONFORMED NAME: CenterState Bank Corp CENTRAL INDEX KEY: 0001102266 STANDARD INDUSTRIAL CLASSIFICATION: NATIONAL COMMERCIAL BANKS [6021] IRS NUMBER: 593606741 STATE OF INCORPORATION: FL FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-32017 FILM NUMBER: 20547101 BUSINESS ADDRESS: STREET 1: 1101 FIRST ST. S. STREET 2: SUITE 202 CITY: WINTER HAVEN STATE: FL ZIP: 33880 BUSINESS PHONE: 863-419-7760 MAIL ADDRESS: STREET 1: 1101 FIRST ST. S. STREET 2: SUITE 202 CITY: WINTER HAVEN STATE: FL ZIP: 33880 FORMER COMPANY: FORMER CONFORMED NAME: CenterState Banks, Inc. DATE OF NAME CHANGE: 20170508 FORMER COMPANY: FORMER CONFORMED NAME: CenterState Corp DATE OF NAME CHANGE: 20170505 FORMER COMPANY: FORMER CONFORMED NAME: CenterState Banks, Inc. DATE OF NAME CHANGE: 20090724 8-K 1 csfl-8k_20200127.htm 8-K csfl-8k_20200127.htm
false 0001102266 0001102266 2020-01-27 2020-01-27

 

 

 

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C.  20549

 

FORM 8-K

 

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported) January 27, 2020

 

CENTERSTATE BANK CORPORATION

(Exact name of registrant as specified in its charter)

 

 

Florida

 

000-32017

 

59-3606741

(State or other jurisdiction
of incorporation)

 

(Commission
file number)

 

(IRS employer
identification no.)

 

1101 First Street South, Suite 202, Winter Haven, FL

 

33880

(Address of principal executive offices)

 

(Zip Code)

Registrant’s telephone number, including area code:   (863) 293-4710

Not Applicable

(Former name or former address, if changed since last report)

___________________

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

 

☐

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐

Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

 

Securities registered pursuant to Section 12 (b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common stock

CSFL

NASDAQ

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company  ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.  ☐

 

 

 

 

 

 

 

Item 2.02

 

Results of Operations and Financial Condition

On January 27, 2020, CenterState Bank Corporation (NASDAQ: CSFL) (the “Company” or “CenterState”) issued a press release announcing certain financial results and additional information.  A copy of the press release is furnished with this Form 8-K.

The earnings call previously announced in the Company’s press release dated January 8, 2020 has been cancelled.  The Company will discuss its fourth quarter 2019 results during the conference call at 8:30 Eastern Time on January 27, 2020 to discuss the Company’s merger with South State Corporation. Investors may call in (toll free) by dialing 877-506-9272 (passcode 10138864).

In accordance with General Instruction F, the press release attached to this Current Report on Form 8-K as Exhibit 99.1, shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liability of that section, and shall not be incorporated by reference into any registration statement or other document filed under the Securities Act of 1933, as amended (the “Securities Act”), or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.  

Cautionary Statements Regarding Forward-Looking Information

Information in this Current Report, other than statements of historical facts, may constitute forward-looking statements, within the meaning of the Private Securities Litigation Reform Act of 1995. These statements include, but are not limited to, CenterState’s plans, objectives, expectations and intentions, and other statements that are not historical facts.  Forward-looking statements may be identified by terminology such as “may,” “will,” “should,” “scheduled,” “plans,” “intends,” “anticipates,” “expects,” “believes,” estimates,” “potential,” or “continue” or negative of such terms or other comparable terminology.  All forward-looking statements are subject to risks, uncertainties and other facts that may cause the actual results, performance or achievements of CenterState to differ materially from any results expressed or implied by such forward-looking statements. Such factors include, among others, the impact on failing to implement our business strategy, including our growth and acquisition strategy, including the merger with National Commerce Corporation (“NCOM”) and its integration; the ability to successfully integrate our acquisitions, including that of NCOM; additional capital requirements due to our growth plans; the impact of an increase in our asset size to over $10 billion; the risks of changes in interest rates and the level and composition of deposits; loan demand, the credit and other risks in our loan portfolio and the values of loan collateral; the impact of us not being able to manage our risk; the impact on a loss of management or other experienced employees; the impact if we failed to maintain our culture and attract and retain skilled people; the risk of changes in technology and customer preferences; the impact of any material failure or breach in our infrastructure or the infrastructure of third parties on which we rely including as a result of cyber-attacks; or material regulatory liability in areas such as BSA or consumer protection; or other areas of legal or other liability as a result of law suits, other legal proceedings, or information-gathering requests, investigations and other proceedings by government and self-regulatory agencies, reputational risks from such failures or liabilities or other events; legislative and regulatory changes; general competitive, political, legal, economic and market conditions and developments; financial market conditions and the results of financing efforts; changes in commodity prices and interest rates; weather, natural disasters and other catastrophic events that may or may not be caused by climate change; and other factors discussed in our filings with the Securities and Exchange Commission under the Exchange Act. Additional factors that could cause results to differ materially from those contemplated by forward-looking statements can be found in CenterState’s Annual Report on Form 10-K for the year ended December 31, 2018, and otherwise in our SEC reports and filings, which are available in the “Investor Relations” section of CenterState’s website, http://www.centerstatebanks.com. Forward-looking statements speak only as of the date they are made. You should not expect us to update any forward-looking statements.

Item 9.01

 

Financial Statements and Exhibits

 

 

 

 

 

 

(d)

Exhibits:

 

 

 

 

 

 

Exhibit 99.1

Press release dated January 27, 2020

 

 

 

 

 

 

Exhibit 104

Cover Page Interactive Data File (embedded within the Inline XBRL document)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 


2

 

 

SIGNATURE

 

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.  

 

 

 

CENTERSTATE BANK CORPORATION

 

 

 

 

By:

/s/ William E. Matthews, V

 

 

William E. Matthews, V

 

 

Executive Vice President and

 

 

Chief Financial Officer

 

Date:  January 27, 2020

 

3

 

 EX-99.1 2 csfl-ex991_7.htm EX-99.1 csfl-ex991_7.htm

 

Exhibit 99.1

 

 

 

 

 

FOR IMMEDIATE RELEASE

January 27, 2020

 

 

 

CenterState Bank Corporation Announces

Fourth Quarter 2019 Results

 

(all amounts are in thousands, except per share data, or unless otherwise noted)

 

WINTER HAVEN, FL. – January 27, 2020 - CenterState Bank Corporation (Nasdaq: CSFL) (the “Company” or “CenterState”) announced fourth quarter 2019 results.  Highlights for the period ended December 31, 2019 and selected performance metrics are set forth below.

 

•

Returns and Capital Management:

 

o

Return on Average Common Equity: 9.8% in the fourth quarter 2019 compared to 7.6% in the previous quarter; Return on Tangible Average Common Equity (“ROTCE”) (non-GAAP(1)) and adjusted ROTCE (non-GAAP(1)) of 18.8% and 19.1%, respectively, for the fourth quarter 2019 compared to 14.6% and 17.8%, respectively, for the previous quarter

 

o

Book Value per Share: increased to $23.14 per share compared to $20.60 at December 31, 2018; tangible book value per share (non-GAAP(1)) increased to $12.76 per share, an 11.0% increase compared to December 31, 2018, during a year in which the company repurchased 4.6% of its shares and closed its acquisition of National Commerce Corporation; tangible equity to tangible assets (non-GAAP(1)) ended the year at 10.1%

 

o

Approval of Dividend Increase and Share Repurchase Plan: as announced on January 16, 2020, the Company’s Board approved a 27.3% increase in its quarterly dividend to $0.14 per share and a repurchase authorization of up to 6.5 million shares

 

•

Net Income Growth:

 

o

Diluted Earnings per Share (“EPS”): $0.56 in the fourth quarter 2019 compared to $0.43 in the previous quarter; adjusted EPS (non-GAAP(1)) of $0.57 in the fourth quarter 2019 compared to $0.53 in the previous quarter

 

o

Return on Average Assets (“ROAA”): ROAA and adjusted ROAA (non-GAAP(1)) of 1.63% and 1.66%, respectively, for the fourth quarter 2019 compared to 1.27% and 1.57%, respectively, for the previous quarter

 

o

Efficiency Ratio (Non-GAAP(1)):  54.3% reported, 52.1% adjusted for the fourth quarter 2019 compared to 62.3% and 51.9% in the previous quarter

 

•

Revenue Growth(2):

 

o

Revenue: $208.3 million in the fourth quarter 2019, an increase of $4.8 million or 2.4%, from the previous quarter

 

o

Net Interest Margin, tax equivalent (“NIM”) (Non-GAAP(1)): NIM increased 6 bps to 4.25%; excluding all loan accretion, core NIM declined 0.06% from the previous quarter

 

o

Reduction in Deposit Costs: cost of deposits declined to 0.67% during the fourth quarter, a 0.07% decline from the prior quarter

 

o

Non-interest income(3): 1.15% of average assets for the current quarter and 1.05% for the year, exceeding the Company’s 1.0% target in spite of the Durbin impact beginning in the 2019 third quarter

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Three Months Ended December 31,

 

 

Twelve Months Ended December 31,

 

 

 

 

2019

 

 

2018

 

 

2019

 

 

2018

 

 

 

 

 

 

Adjusted (4)

 

 

 

 

Adjusted (4)

 

 

 

 

Adjusted (4)

 

 

 

 

Adjusted (4)

 

 

 

 

Reported

 

(Non-GAAP)

 

 

Reported

 

(Non-GAAP)

 

 

Reported

 

(Non-GAAP)

 

 

Reported

 

(Non-GAAP)

 

 

Net income

 

$71,132

 

$72,231

 

 

$50,651

 

$51,913

 

 

$225,396

 

$256,220

 

 

$156,435

 

$182,571

 

 

Return on average assets

 

1.63%

 

1.66%

 

 

1.64%

 

1.68%

 

 

1.42%

 

1.61%

 

 

1.43%

 

1.67%

 

 

Return on average tangible equity (Non-GAAP)(1)

 

18.8%

 

19.1%

 

 

19.8%

 

20.2%

 

 

16.2%

 

18.4%

 

 

17.7%

 

20.5%

 

 

Earnings per share diluted

 

$0.56

 

$0.57

 

 

$0.52

 

$0.54

 

 

$1.87

 

$2.13

 

 

$1.76

 

$2.06

 

 

Efficiency ratio, tax equivalent (Non-GAAP)(1)

 

54.3%

 

52.1%

 

 

53.4%

 

50.3%

 

 

59.3%

 

51.9%

 

 

60.0%

 

51.4%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(1)

See reconciliation tables starting on page 9, Explanation of Certain Unaudited Non-GAAP Financial Measures.

 

(2)

Revenue is defined as net interest income plus non-interest income.

 

(3)

Non-interest income excludes gain or loss on sale of available for sale securities.

 

(4)

Performance metrics presented above are adjusted for gain or loss on sale of available for sale securities, merger-related expenses, deferred tax asset write down, gain on sale of deposits and amortization of intangible assets, which for the three and twelve months ended December 31, 2019, represent direct severance, system terminations, and legal and professional fees, that are not duplicative of current operations, and other items.  See reconciliation tables starting on page 9, Explanation of Certain Unaudited Non-GAAP Financial Measures.

 

 

 

Condensed Consolidated Income Statement (unaudited)

 

Condensed consolidated income statements (unaudited) are shown below for the periods indicated.

 

  

 

Three Months Ended

 

 

Twelve Months Ended

 

 

Dec. 31, 2019

 

Sep. 30, 2019

 

Jun. 30, 2019

 

Mar. 31, 2019

 

Dec. 31, 2018

 

 

Dec. 31, 2019

 

Dec. 31, 2018

Interest income

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans

 

$167,685

 

$166,479

 

$167,676

 

$116,285

 

$116,754

 

 

$618,125

 

$405,881

Investment securities

 

13,404

 

13,472

 

14,453

 

14,002

 

13,516

 

 

55,331

 

49,122

Federal Funds sold and other

 

2,783

 

3,974

 

3,124

 

1,995

 

1,911

 

 

11,876

 

5,629

Total interest income

 

183,872

 

183,925

 

185,253

 

132,282

 

132,181

 

 

685,332

 

460,632

Interest expense

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Deposits

 

22,276

 

24,463

 

23,037

 

13,323

 

12,360

 

 

83,099

 

33,260

Securities sold under agreement to repurchase

 

278

 

293

 

299

 

236

 

203

 

 

1,106

 

632

Other borrowed funds

 

2,880

 

3,680

 

2,679

 

3,978

 

3,289

 

 

13,217

 

11,445

Corporate debentures

 

513

 

542

 

557

 

570

 

647

 

 

2,182

 

2,213

Interest expense

 

25,947

 

28,978

 

26,572

 

18,107

 

16,499

 

 

99,604

 

47,550

Net interest income

 

157,925

 

154,947

 

158,681

 

114,175

 

115,682

 

 

585,728

 

413,082

Provision for loan losses

 

3,048

 

3,692

 

2,792

 

1,053

 

2,100

 

 

10,585

 

8,283

Net interest income after loan loss provision

 

154,877

 

151,255

 

155,889

 

113,122

 

113,582

 

 

575,143

 

404,799

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Gain (loss) on sale of securities available for sale

 

13

 

—

 

(5)

 

17

 

—

 

 

25

 

(22)

Gain on sale of deposits

 

—

 

—

 

—

 

—

 

—

 

 

—

 

611

All other non-interest income

 

50,316

 

48,488

 

37,948

 

29,283

 

32,396

 

 

166,035

 

104,538

Total non-interest income

 

50,329

 

48,488

 

37,943

 

29,300

 

32,396

 

 

166,060

 

105,127

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Merger related expenses

 

159

 

16,994

 

15,739

 

6,365

 

1,668

 

 

39,257

 

34,912

All other non-interest expense

 

113,250

 

110,042

 

106,250

 

78,108

 

77,852

 

 

407,650

 

277,555

Total non-interest expense

 

113,409

 

127,036

 

121,989

 

84,473

 

79,520

 

 

446,907

 

312,467

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Income before income tax

 

91,797

 

72,707

 

71,843

 

57,949

 

66,458

 

 

294,296

 

197,459

Income tax provision

 

20,665

 

17,006

 

16,721

 

13,306

 

15,807

 

 

67,698

 

41,024

Net income before earnings attributable to noncontrolling interest

 

71,132

 

55,701

 

55,122

 

44,643

 

50,651

 

 

226,598

 

156,435

Earnings attributable to noncontrolling interest

 

—

 

603

 

599

 

—

 

—

 

 

1,202

 

—

Net income

 

$71,132

 

$55,098

 

$54,523

 

$44,643

 

$50,651

 

 

$225,396

 

$156,435

Net income attributable to CenterState Bank Corporation

 

$71,109

 

$55,077

 

$54,502

 

$44,620

 

$50,619

 

 

$225,308

 

$156,319

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Earnings per share - Basic

 

$0.57

 

$0.43

 

$0.42

 

$0.47

 

$0.53

 

 

$1.88

 

$1.78

Earnings per share - Diluted

 

$0.56

 

$0.43

 

$0.42

 

$0.46

 

$0.52

 

 

$1.87

 

$1.76

Dividends per share

 

$0.11

 

$0.11

 

$0.11

 

$0.11

 

$0.10

 

 

$0.44

 

$0.40

Average common shares outstanding (basic)

 

125,147

 

127,840

 

129,848

 

95,741

 

95,603

 

 

119,747

 

87,641

Average common shares outstanding (diluted)

 

126,082

 

128,739

 

130,768

 

96,501

 

96,450

 

 

120,604

 

88,759

Common shares outstanding at period end

 

125,174

 

126,037

 

129,006

 

95,913

 

95,680

 

 

125,174

 

95,680

Effective tax rate

 

22.51%

 

23.59%

 

23.47%

 

22.96%

 

23.78%

 

 

23.10%

 

20.78%

 


2

 

 

 

 

CONDENSED CONSOLIDATED BALANCE SHEETS (unaudited)

 

Presented below are condensed consolidated balance sheets for the periods indicated.

 

 

Ending Balance

Condensed Consolidated Balance Sheets

 

Dec. 31, 2019

 

Sep. 30, 2019

 

Jun. 30, 2019

 

Mar. 31, 2019

 

Dec. 31, 2018

Assets

 

 

 

 

 

 

 

 

 

 

Cash and due from banks

 

$326,168

 

$598,808

 

$399,952

 

$256,580

 

$135,352

Fed funds sold and Fed Reserve Bank deposits

 

163,890

 

238,470

 

437,386

 

339,223

 

231,981

Trading securities

 

4,987

 

4,273

 

651

 

—

 

1,737

Investment securities:

 

 

 

 

 

 

 

 

 

 

Available for sale

 

1,886,724

 

1,779,956

 

1,792,757

 

1,701,396

 

1,727,348

Held to maturity

 

202,903

 

207,209

 

210,756

 

214,240

 

216,833

Total investment securities

 

2,089,627

 

1,987,165

 

2,003,513

 

1,915,636

 

1,944,181

Loans held for sale

 

142,801

 

125,182

 

95,108

 

49,474

 

40,399

Loans:

 

 

 

 

 

 

 

 

 

 

Originated loans

 

5,922,879

 

5,494,738

 

4,888,357

 

4,349,627

 

4,108,656

Acquired loans

 

5,925,596

 

6,278,686

 

6,667,101

 

3,850,312

 

4,072,877

Purchased Credit Impaired ("PCI") loans

 

135,468

 

142,982

 

157,303

 

149,456

 

158,971

Total gross loans

 

11,983,943

 

11,916,406

 

11,712,761

 

8,349,395

 

8,340,504

Allowance for loan losses

 

(40,655)

 

(41,991)

 

(40,653)

 

(40,052)

 

(39,770)

Loans, net of allowance

 

11,943,288

 

11,874,415

 

11,672,108

 

8,309,343

 

8,300,734

Premises, equipment and right of use assets, net

 

328,869

 

327,977

 

324,974

 

248,625

 

227,454

Goodwill

 

1,204,417

 

1,204,417

 

1,204,417

 

802,880

 

802,880

Core deposit intangible

 

91,157

 

95,175

 

99,200

 

63,511

 

66,225

Bank owned life insurance

 

330,155

 

328,736

 

326,689

 

269,144

 

267,820

OREO

 

5,092

 

6,558

 

5,881

 

5,981

 

2,909

Deferred income tax asset, net

 

28,786

 

37,921

 

44,637

 

38,030

 

51,462

Other assets

 

482,788

 

591,279

 

422,081

 

289,210

 

264,454

Total Assets

 

$17,142,025

 

$17,420,376

 

$17,036,597

 

$12,587,637

 

$12,337,588

 

 

 

 

 

 

 

 

 

 

 

Liabilities and Equity

 

 

 

 

 

 

 

 

 

 

Deposits:

 

 

 

 

 

 

 

 

 

 

     Non-interest bearing

 

$3,929,183

 

$4,081,078

 

$3,990,883

 

$3,152,251

 

$2,923,640

     Interest bearing

 

2,613,933

 

2,430,149

 

2,493,870

 

1,813,028

 

1,811,006

Total checking accounts

 

6,543,116

 

6,511,227

 

6,484,753

 

4,965,279

 

4,734,646

Money market accounts

 

3,525,571

 

3,648,449

 

3,569,025

 

2,156,667

 

2,216,571

Savings deposits

 

811,150

 

780,052

 

725,124

 

703,949

 

704,159

Time deposits

 

2,256,555

 

2,423,335

 

2,433,183

 

1,921,130

 

1,821,960

Total deposits

 

13,136,392

 

13,363,063

 

13,212,085

 

9,747,025

 

9,477,336

Federal funds purchased

 

379,193

 

259,077

 

276,963

 

303,017

 

294,360

Other borrowings

 

325,484

 

423,662

 

310,595

 

302,534

 

451,187

Other liabilities

 

404,238

 

516,872

 

346,442

 

207,509

 

143,361

Stockholders' equity:

 

 

 

 

 

 

 

 

 

 

Common stockholders’ equity

 

2,896,718

 

2,857,702

 

2,878,377

 

2,027,552

 

1,971,344

Noncontrolling interest

 

—

 

—

 

12,135

 

—

 

—

Total equity

 

2,896,718

 

2,857,702

 

2,890,512

 

2,027,552

 

1,971,344

 

 

 

 

 

 

 

 

 

 

 

Total Liabilities and Equity

 

$17,142,025

 

$17,420,376

 

$17,036,597

 

$12,587,637

 

$12,337,588

 


3

 

 

 

 

SELECTED CONSOLIDATED FINANCIAL DATA

 

The table below summarizes selected financial data for the periods presented.

 

 

Three Months Ended

 

 

Twelve Months Ended

 

 

Dec. 31, 2019

 

Sep. 30, 2019

 

Jun. 30, 2019

 

Mar. 31, 2019

 

Dec. 31, 2018

 

 

Dec. 31, 2019

 

Dec. 31, 2018

Selected financial data

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Return on average assets (annualized)

 

1.63%

 

1.27%

 

1.30%

 

1.47%

 

1.64%

 

 

1.42%

 

1.43%

Adjusted return on average assets (annualized) (Non-GAAP) (1)

 

1.66%

 

1.57%

 

1.59%

 

1.63%

 

1.68%

 

 

1.61%

 

1.67%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Return on average common equity (annualized)

 

9.80%

 

7.56%

 

7.63%

 

9.05%

 

10.38%

 

 

8.47%

 

9.41%

Adjusted return on average common equity (annualized) (Non-GAAP) (1)

 

9.95%

 

9.34%

 

9.31%

 

10.03%

 

10.64%

 

 

9.63%

 

10.98%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Return on average tangible equity (annualized) (Non-GAAP) (1)

 

18.77%

 

14.61%

 

14.95%

 

16.80%

 

19.78%

 

 

16.25%

 

17.68%

Adjusted return on average tangible equity (annualized) (Non-GAAP) (1)

 

19.05%

 

17.85%

 

18.04%

 

18.54%

 

20.25%

 

 

18.36%

 

20.49%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Efficiency ratio (tax equivalent) (Non-GAAP) (1)

 

54.3%

 

62.3%

 

61.9%

 

58.7%

 

53.4%

 

 

59.3%

 

60.0%

Adjusted efficiency ratio, tax equivalent (Non-GAAP) (1)

 

52.1%

 

51.9%

 

51.7%

 

52.3%

 

50.3%

 

 

51.9%

 

51.4%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Dividend payout

 

19.6%

 

25.6%

 

26.2%

 

23.9%

 

19.2%

 

 

23.5%

 

22.7%

Loan / deposit ratio

 

91.2%

 

89.2%

 

88.7%

 

85.7%

 

88.0%

 

 

 

 

 

Common stockholders’ equity (to total assets)

 

16.9%

 

16.4%

 

16.9%

 

16.1%

 

16.0%

 

 

 

 

 

Common equity per common share

 

$23.14

 

$22.67

 

$22.31

 

$21.14

 

$20.60

 

 

 

 

 

Common tangible equity per common share (Non-GAAP) (1)

 

$12.76

 

$12.32

 

$12.17

 

$12.08

 

$11.49

 

 

 

 

 

Common tangible equity (to total tangible assets) (Non-GAAP) (1)

 

10.1%

 

9.6%

 

10.0%

 

9.9%

 

9.6%

 

 

 

 

 

Tier 1 capital (to average assets)

 

9.7%

 

9.5%

 

9.9%

 

10.3%

 

10.1%

 

 

 

 

 

 

(1)

See reconciliation tables starting on page 9, Explanation of Certain Unaudited Non-GAAP Financial Measures.

 

 

ESTIMATED IMPACT OF ADOPTION OF CURRENT EXPECTED CREDIT LOSSES (“CECL”)

 

The Company continues to evaluate the impact of the adoption of CECL.  Based on the most recent analysis, the Company expects the Allowance for Loan Losses (“ALLL”) as a percentage of total loans to increase in the range of 50 bps to 70 bps, as a result of the adoption of CECL.  This increase includes the reclassification of the credit mark on Purchased Credit Deteriorated (“PCD”) loans from loan discount to Allowance for Credit Losses (“ACL”).  In addition, the Company estimates a reserve for potential losses on unfunded commitments to be in the range of $5 to $10 million, which will be recorded as a liability.  Based on these ranges, the impact to retained earnings, net of deferred taxes, for the increase in ACL, reserve for the unfunded commitments and expected credit losses on debt securities is estimated to be in the range of $35 to $60 million, resulting in a range of 20 bps to 35 bps reduction in tangible common equity as a percentage of total tangible assets. The estimates on the potential impact of the adoption of CECL on the Company’s financial statements are based on ongoing analyses, current expectations and forecasted economic conditions.  These estimates are contingent upon continued refinement of assumptions, methodologies and judgments, which the Company will finalize in the first quarter 2020.

4

 

 

 

 

Loan Portfolio

 

The table below summarizes the Company’s loan portfolio over the most recent five-quarter ends.

 

 

Ending Balance

 

 

Dec. 31, 2019

 

Sep. 30, 2019

 

Jun. 30, 2019

 

Mar. 31, 2019

 

Dec. 31, 2018

Real estate loans

 

 

 

 

 

 

 

 

 

 

     Residential

 

$2,558,339

 

$2,530,119

 

$2,536,324

 

$1,818,228

 

$1,760,918

     Commercial

 

6,406,684

 

6,297,425

 

6,153,379

 

4,481,375

 

4,541,434

     Land, development and construction loans

 

1,004,578

 

1,061,701

 

1,057,532

 

658,373

 

642,590

Total real estate loans

 

9,969,601

 

9,889,245

 

9,747,235

 

6,957,976

 

6,944,942

Commercial loans

 

1,762,416

 

1,772,266

 

1,714,121

 

1,181,628

 

1,188,974

Consumer and other loans

 

247,407

 

250,225

 

247,049

 

206,754

 

203,895

Total loans before unearned fees and costs

 

11,979,424

 

11,911,736

 

11,708,405

 

8,346,358

 

8,337,811

Unearned fees and costs

 

4,519

 

4,670

 

4,356

 

3,037

 

2,693

 

 

 

 

 

 

 

 

 

 

 

Total Loans

 

$11,983,943

 

$11,916,406

 

$11,712,761

 

$8,349,395

 

$8,340,504

Loan production

 

DEPOSITS

 

 

Ending Balance

Deposit mix

 

Dec. 31, 2019

 

Sep. 30, 2019

 

Jun. 30, 2019

 

Mar. 31, 2019

 

Dec. 31, 2018

Checking accounts

 

 

 

 

 

 

 

 

 

 

     Non-interest bearing

 

$3,929,183

 

$4,081,078

 

$3,990,883

 

$3,152,251

 

$2,923,640

     Interest bearing

 

2,613,933

 

2,430,149

 

2,493,870

 

1,813,028

 

1,811,006

Savings deposits

 

811,150

 

780,052

 

725,124

 

703,949

 

704,159

Money market accounts

 

3,525,571

 

3,648,449

 

3,569,025

 

2,156,667

 

2,216,571

Time deposits

 

2,256,555

 

2,423,335

 

2,433,183

 

1,921,130

 

1,821,960

Total deposits

 

$13,136,392

 

$13,363,063

 

$13,212,085

 

$9,747,025

 

$9,477,336

 

 

 

 

 

 

 

 

 

 

 

Non time deposits as percentage of total deposits

 

83%

 

82%

 

82%

 

80%

 

81%

Time deposits as percentage of total deposits

 

17%

 

18%

 

18%

 

20%

 

19%

Total deposits

 

100%

 

100%

 

100%

 

100%

 

100%

 


5

 

 

 

 

NET INTEREST MARGIN

 

The Company’s NIM increased 6 bps from 4.19% in the previous quarter to 4.25% during the current quarter, primarily as a result of higher accretion income due to an increase in payoffs on acquired loans and a decline in the cost of interest bearing liabilities due to Federal Reserve rate cuts and a reduction in LIBOR rates. The tax equivalent yield on the originated loan portfolio decreased by 24 bps from the prior quarter to 4.85%. The tax equivalent yield on the securities portfolio decreased by 7 bps from 2.74% in the prior quarter to 2.67% during the current quarter.  The total decrease in yield for the tax equivalent originated loan and securities, however, was offset by an increase in fourth quarter 2019 loan accretion to $18,093, which increased NIM by 48 bps, as compared with the previous quarter’s $13,569, which increased NIM by 36 bps. The NIM was positively impacted by a 71 bps decrease in the cost of federal funds purchased as well as a 7 bps decrease in the cost of total deposits, a result of the Company’s focus on reducing the cost of rate-sensitive deposits.    

The table below summarizes yields and costs by various interest earning asset and interest bearing liability account types for the current quarter, the previous calendar quarter and the same quarter last year.  

 

Three Months Ended

 

Dec. 31, 2019

 

 

Sep. 30, 2019

 

 

Dec. 31, 2018

 

 

Average

 

Interest

 

Average

 

 

Average

 

Interest

 

Average

 

 

Average

 

Interest

 

Average

 

 

Balance

 

Inc/Exp

 

Rate

 

 

Balance

 

Inc/Exp

 

Rate

 

 

Balance

 

Inc/Exp

 

Rate

 

Originated loans (1)

$5,819,393

 

$71,101

 

4.85%

 

 

$5,301,936

 

$67,989

 

5.09%

 

 

$3,997,730

 

$48,036

 

4.77%

 

Acquired loans (1)

6,115,107

 

88,716

 

5.76%

 

 

6,482,939

 

91,127

 

5.58%

 

 

4,170,721

 

59,720

 

5.68%

 

PCI loans

138,584

 

8,224

 

23.54%

 

 

147,099

 

7,652

 

20.64%

 

 

162,813

 

9,448

 

23.02%

 

Taxable securities

1,803,467

 

11,664

 

2.57%

 

 

1,759,629

 

11,741

 

2.65%

 

 

1,665,809

 

11,833

 

2.82%

 

Tax-exempt securities (1)

221,438

 

1,948

 

3.49%

 

 

220,026

 

1,933

 

3.49%

 

 

216,936

 

1,964

 

3.59%

 

Fed funds sold and other

681,768

 

2,783

 

1.62%

 

 

790,635

 

3,974

 

1.99%

 

 

343,049

 

1,911

 

2.21%

 

Total interest earning assets (1)

$14,779,757

 

$184,436

 

4.95%

 

 

$14,702,264

 

$184,416

 

4.98%

 

 

$10,557,058

 

$132,912

 

4.99%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Non-interest earnings assets

2,531,319

 

 

 

 

 

 

2,490,042

 

 

 

 

 

 

1,681,312

 

 

 

 

 

Total assets

$17,311,076

 

 

 

 

 

 

$17,192,306

 

 

 

 

 

 

$12,238,370

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest bearing deposits

$9,207,290

 

$22,275

 

0.96%

 

 

$9,166,386

 

$24,464

 

1.06%

 

 

$6,456,452

 

$12,360

 

0.76%

 

Fed funds purchased

304,489

 

1,330

 

1.73%

 

 

289,821

 

1,781

 

2.44%

 

 

235,696

 

1,499

 

2.52%

 

Other borrowings

310,436

 

1,829

 

2.34%

 

 

367,481

 

2,191

 

2.37%

 

 

326,337

 

1,993

 

2.42%

 

Corporate debentures

32,711

 

513

 

6.22%

 

 

32,622

 

542

 

6.59%

 

 

39,816

 

647

 

6.45%

 

Total interest bearing liabilities

$9,854,926

 

$25,947

 

1.04%

 

 

$9,856,310

 

$28,978

 

1.17%

 

 

$7,058,301

 

$16,499

 

0.93%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Non-interest bearing deposits

4,081,634

 

 

 

 

 

 

4,004,554

 

 

 

 

 

 

3,091,289

 

 

 

 

 

All other liabilities

494,914

 

 

 

 

 

 

429,109

 

 

 

 

 

 

153,628

 

 

 

 

 

Total equity

2,879,602

 

 

 

 

 

 

2,902,333

 

 

 

 

 

 

1,935,152

 

 

 

 

 

Total liabilities and equity

$17,311,076

 

 

 

 

 

 

$17,192,306

 

 

 

 

 

 

$12,238,370

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net Interest Spread (1)

 

 

 

 

3.91%

 

 

 

 

 

 

3.81%

 

 

 

 

 

 

4.06%

 

Net Interest Margin (1)

 

 

 

 

4.25%

 

 

 

 

 

 

4.19%

 

 

 

 

 

 

4.37%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Cost of Total Deposits

 

 

 

 

0.67%

 

 

 

 

 

 

0.74%

 

 

 

 

 

 

0.51%

 

(1)

Tax equivalent yield (Non-GAAP); see reconciliation tables starting on page 9, Explanation of Certain Unaudited Non-GAAP Financial Measures.

The table below summarizes accretion income for the periods presented.

 

Three Months Ended

 

 

Twelve Months Ended

 

Dec. 31, 2019

 

Sep. 30, 2019

 

Jun. 30, 2019

 

Mar. 31, 2019

 

Dec. 31, 2018

 

 

Dec. 31, 2019

 

Dec. 31, 2018

PCI accretion

$5,908

 

$5,418

 

$5,248

 

$7,904

 

$7,187

 

 

$24,478

 

$26,381

Non-PCI accretion

12,185

 

8,151

 

10,335

 

4,951

 

6,177

 

 

35,622

 

22,390

Total loan accretion

$18,093

 

$13,569

 

$15,583

 

$12,855

 

$13,364

 

 

$60,100

 

$48,771

 

The table below compares the unpaid principal balance and the carrying balance (book balance) of the Company’s total Acquired and PCI loans at December 31, 2019.  

 

 

Principal

 

Carrying

 

Total Loan

 

 

 

 

 

Balance

 

Balance

 

Discount

 

 

Percentage

Acquired Loans

 

$5,977,548

 

$5,925,596

 

($51,952)

 

 

0.9%

PCI loans

 

196,409

 

135,468

 

(60,941)

(1)

 

31.0%

Total purchased loans

 

$6,173,957

 

$6,061,064

 

($112,893)

 

 

1.8%

 

(1)

Represents a credit discount of $18,109 and a non-credit discount of $42,832.


6

 

 

 

 

NON-INTEREST INCOME

 

Non-interest income increased $1,841 to $50,329 during the current quarter compared to $48,488 in the previous quarter. The increase is mainly attributable to an increase in correspondent banking revenue due to higher interest rate swap revenue in the correspondent banking division and an increase in SBA revenue, offset by approximately $841 decrease in merchant card related fees primarily due to the impact of the Durbin Amendment. The table below summarizes the Company’s non-interest income for the periods indicated.  

 

Condensed Consolidated Non-Interest Income (unaudited)

 

 

Three Months Ended

 

 

Twelve Months Ended

 

 

Dec. 31, 2019

 

Sep. 30, 2019

 

Jun. 30, 2019

 

Mar. 31, 2019

 

Dec. 31, 2018

 

 

Dec. 31, 2019

 

Dec. 31, 2018

Correspondent banking revenue

 

$23,346

 

$21,018

 

$11,534

 

$9,000

 

$9,893

 

 

$64,898

 

$33,388

Mortgage banking revenue

 

9,113

 

9,444

 

6,803

 

4,193

 

4,204

 

 

29,553

 

12,610

SBA revenue

 

1,785

 

1,411

 

1,252

 

688

 

497

 

 

5,136

 

3,532

Wealth management related revenue

 

878

 

801

 

875

 

607

 

725

 

 

3,161

 

2,657

Service charges on deposit accounts

 

7,993

 

7,990

 

7,507

 

6,678

 

7,349

 

 

30,168

 

22,831

Debit, prepaid, ATM and merchant card related fees

 

3,082

 

3,923

 

6,376

 

5,018

 

5,149

 

 

18,399

 

16,243

Other non-interest income

 

4,119

 

3,901

 

3,601

 

3,099

 

4,579

 

 

14,720

 

13,277

Subtotal

 

$50,316

 

$48,488

 

$37,948

 

$29,283

 

$32,396

 

 

$166,035

 

$104,538

Gain (loss) on sale of securities available for sale

 

13

 

—

 

(5)

 

17

 

—

 

 

25

 

(22)

Gain on sale of deposits

 

—

 

—

 

—

 

—

 

—

 

 

—

 

611

Total Non-Interest Income

 

$50,329

 

$48,488

 

$37,943

 

$29,300

 

$32,396

 

 

$166,060

 

$105,127

 

Note:  Certain prior period amounts have been reclassified to conform to the current period presentation format.

 

NON-INTEREST EXPENSES

 

Excluding merger-related expenses, non-interest expense increased $3,208 in the fourth quarter to $113,250 compared to the previous quarter, primarily driven by higher compensation expense associated with performance in the correspondent banking division and the Company’s overall performance, higher professional fees and an overall higher intangible and fixed assets related expenses. The table below summarizes the Company’s non-interest expense for the periods indicated.

 

Condensed Consolidated Non-Interest Expense (unaudited)

 

 

Three Months Ended

 

 

Twelve Months Ended

 

 

Dec. 31, 2019

 

Sep. 30, 2019

 

Jun. 30, 2019

 

Mar. 31, 2019

 

Dec. 31, 2018

 

 

Dec. 31, 2019

 

Dec. 31, 2018

Salaries, wages and employee benefits

 

$72,973

 

$71,352

 

$67,516

 

$48,393

 

$48,044

 

 

$260,234

 

$172,318

Occupancy expense

 

7,267

 

7,729

 

7,752

 

5,602

 

5,633

 

 

28,350

 

20,897

Depreciation of premises and equipment

 

4,151

 

3,887

 

3,550

 

2,850

 

2,752

 

 

14,438

 

9,788

Marketing expenses

 

1,958

 

1,765

 

1,797

 

2,020

 

1,903

 

 

7,540

 

6,235

Data processing expenses

 

5,242

 

5,182

 

5,525

 

3,656

 

3,621

 

 

19,605

 

14,308

Legal, auditing and other professional fees

 

2,958

 

2,364

 

2,106

 

1,442

 

2,599

 

 

8,870

 

6,163

Bank regulatory related expenses

 

723

 

635

 

2,074

 

1,616

 

1,299

 

 

5,048

 

4,885

Debit, ATM and merchant card related expenses

 

1,362

 

1,382

 

1,304

 

1,453

 

1,657

 

 

5,501

 

4,253

Credit related expenses

 

879

 

795

 

760

 

729

 

165

 

 

3,163

 

1,502

Amortization of intangibles

 

4,552

 

4,229

 

4,435

 

2,814

 

2,989

 

 

16,030

 

10,018

Impairment on bank property held for sale

 

808

 

506

 

315

 

107

 

80

 

 

1,736

 

2,667

Other expenses

 

10,377

 

10,216

 

9,116

 

7,426

 

7,110

 

 

37,135

 

24,521

Subtotal

 

$113,250

 

$110,042

 

$106,250

 

$78,108

 

$77,852

 

 

$407,650

 

$277,555

Merger-related expenses

 

159

 

16,994

 

15,739

 

6,365

 

1,668

 

 

39,257

 

34,912

Total Non-Interest Expense

 

$113,409

 

$127,036

 

$121,989

 

$84,473

 

$79,520

 

 

$446,907

 

$312,467

Note:  Certain prior period amounts have been reclassified to conform to the current period presentation format.

 


7

 

 

 

 

CREDIT QUALITY AND ALLOWANCE FOR LOAN LOSSES  

 

Non-performing assets (“NPAs”) totaled $43,870 at December 31, 2019, compared to $46,337 at September 30, 2019. NPAs as a percentage of total assets decreased to 0.26% at December 31, 2019, compared to 0.27% at September 30, 2019 and compared to 0.22% at December 31, 2018.

The table below summarizes selected credit quality data for the periods indicated.  

 

 

Ending Balance

 

 

 

 

 

Non-Performing Assets (1)

 

Dec. 31, 2019

 

Sep. 30, 2019

 

Jun. 30, 2019

 

Mar. 31, 2019

 

Dec. 31, 2018

 

 

 

 

 

Non-accrual loans

 

$36,916

 

$39,048

 

$26,334

 

$35,181

 

$23,567

 

 

 

 

 

Past due loans 90 days or more

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

     and still accruing interest

 

1,692

 

473

 

—

 

—

 

—

 

 

 

 

 

Total non-performing loans (“NPLs”)

 

38,608

 

39,521

 

26,334

 

35,181

 

23,567

 

 

 

 

 

Other real estate owned (“OREO”)

 

5,092

 

6,558

 

5,881

 

5,981

 

2,909

 

 

 

 

 

Repossessed assets other than real estate

 

170

 

258

 

236

 

313

 

350

 

 

 

 

 

Total non-performing assets

 

$43,870

 

$46,337

 

$32,451

 

$41,475

 

$26,826

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Three Months Ended

 

 

Twelve Months Ended

Asset Quality Ratios (1)

 

Dec. 31, 2019

 

Sep. 30, 2019

 

Jun. 30, 2019

 

Mar. 31, 2019

 

Dec. 31, 2018

 

 

Dec. 31, 2019

 

Dec. 31, 2018

Non-performing loans as percentage of total loans

 

0.33%

 

0.34%

 

0.23%

 

0.43%

 

0.29%

 

 

 

 

 

Non-performing assets as percentage of total assets

 

0.26%

 

0.27%

 

0.19%

 

0.33%

 

0.22%

 

 

 

 

 

Non-performing assets as percentage of loans and

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

   OREO plus other repossessed assets

 

0.37%

 

0.39%

 

0.28%

 

0.51%

 

0.33%

 

 

 

 

 

Loans past due 30 thru 89 days and accruing interest

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

    as a percentage of total loans

 

0.48%

 

0.52%

 

0.44%

 

0.42%

 

0.45%

 

 

 

 

 

Allowance for loan losses as percentage of NPLs

 

105%

 

106%

 

154%

 

113%

 

168%

 

 

 

 

 

Net charge-offs

 

$4,384

 

$2,354

 

$2,191

 

$771

 

$1,131

 

 

$9,700

 

$1,403

Net charge-offs as a percentage of average

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

    loans for the period on an annualized basis

 

0.15%

 

0.08%

 

0.08%

 

0.04%

 

0.05%

 

 

0.09%

 

0.02%

 

(1)

Excludes PCI loans.

The ALLL totaled $40,655 at December 31, 2019, compared to $41,991 at September 30, 2019, a decrease of $1,336 due to loan loss provision expense of $3,048 and net charge-offs of $4,384. Of the fourth quarter charge-offs, $2,010 represented specific reserve allocations that had been identified and reserved in prior periods.  The changes in the Company’s ALLL components between December 31 and September 30, 2019 are summarized in the table below (unaudited).

 

 

December 31, 2019

 

September 30, 2019

 

Increase (Decrease)

 

 

Loan

ALLL

 

 

Loan

ALLL

 

 

Loan

ALLL

 

 

 

Balance

Balance

%

 

Balance

Balance

%

 

Balance

Balance

 

Originated loans

 

$5,907,801

$37,151

0.63%

 

$5,479,813

$36,921

0.67%

 

$427,988

$230

(4) bps

Impaired originated loans

 

15,078

842

5.58%

 

14,925

1,204

8.07%

 

153

(362)

(249) bps

Total originated loans

 

5,922,879

37,993

0.64%

 

5,494,738

38,125

0.69%

 

428,141

(132)

(5) bps

 

 

 

 

 

 

 

 

 

 

 

 

 

Acquired loans (1)

 

5,914,534

1,400

0.02%

 

6,263,910

1,538

0.02%

 

(349,376)

(138)

– bps

Impaired acquired loans (2)

 

11,062

1,036

9.37%

 

14,776

2,095

14.18%

 

(3,714)

(1,059)

(481) bps

Total acquired loans

 

5,925,596

2,436

0.04%

 

6,278,686

3,633

0.06%

 

(353,090)

(1,197)

(2) bps

 

 

 

 

 

 

 

 

 

 

 

 

 

Total non-PCI loans

 

11,848,475

40,429

 

 

11,773,424

41,758

 

 

75,051

(1,329)

 

PCI loans

 

135,468

226

 

 

142,982

233

 

 

(7,514)

(7)

 

Total loans

 

$11,983,943

$40,655

 

 

$11,916,406

$41,991

 

 

$67,537

$(1,336)

 

 

(1)

Performing acquired loans recorded at estimated fair value on the related acquisition dates.  The total net unamortized fair value adjustment at December 31, 2019 was approximately $51,855 or 0.87% of the aggregate outstanding related loan balances.  

(2)

These are loans that were acquired as performing loans that subsequently became impaired.


8

 

 

 

 

Explanation of Certain Unaudited Non-GAAP Financial Measures

 

This press release contains financial information determined by methods other than U.S. Generally Accepted Accounting Principles (“GAAP”), including adjusted net income, adjusted net income per share diluted, adjusted return on average assets, adjusted return on average equity, return on average tangible equity, adjusted return on average tangible equity, adjusted efficiency ratio, adjusted non-interest income, adjusted non-interest expense, adjusted net-interest income, tangible common equity, tangible common equity to tangible assets, common tangible equity per common share, tax equivalent yields on loans, securities and earning assets, and tax equivalent net interest spread and margin, which we refer to “Non-GAAP financial measures.” The tables below provide reconciliations between these Non-GAAP measures and net income, interest income, net interest income and tax equivalent basis interest income and net interest income, return on average assets, return on average equity, the efficiency ratio, total stockholders’ equity and tangible common equity, as applicable.

Management uses these Non-GAAP financial measures in its analysis of the Company’s performance and believes these presentations provide useful supplemental information, and enhance investors’ understanding of the Company’s core business and performance without the impact of merger-related expenses. Accordingly, management believes it is appropriate to exclude merger-related expenses because those costs are specific to each acquisition, vary based upon the size, complexity and other specifics of each acquisition, and are not indicative of the costs to operate the Company’s core business.  

Non-GAAP measures are also useful in understanding performance trends and facilitate comparisons with the performance of other financial institutions. The limitations associated with operating measures are the risk that persons might disagree as to the appropriateness of items comprising these measures and that different companies might calculate these measures differently. The Company provides reconciliations between GAAP and these Non-GAAP measures. These disclosures should not be considered an alternative to GAAP.


 Reconciliation of GAAP to non-GAAP Measures (unaudited):

 

 

Three months ended

 

 

Twelve Months Ended

 

 

Dec. 31, 2019

 

Sep. 30, 2019

 

Jun. 30, 2019

 

Mar. 31, 2019

 

Dec. 31, 2018

 

 

Dec. 31, 2019

 

Dec. 31, 2018

Adjusted net income (Non-GAAP)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net income (GAAP)

 

$71,132

 

$55,098

 

$54,523

 

$44,643

 

$50,651

 

 

$225,396

 

$156,435

(Gain) loss on sale of securities available for sale, net of tax

 

(10)

 

—

 

4

 

(13)

 

—

 

 

(19)

 

17

Gain on sale of deposits, net of tax

 

—

 

—

 

—

 

—

 

—

 

 

—

 

(465)

Merger-related expenses, net of tax

 

122

 

12,939

 

11,962

 

4,833

 

1,262

 

 

29,856

 

26,584

Deferred tax asset write down

 

987

 

—

 

—

 

—

 

—

 

 

987

 

—

Adjusted net income (Non-GAAP)

 

$72,231

 

$68,037

 

$66,489

 

$49,463

 

$51,913

 

 

$256,220

 

$182,571

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Adjusted net income per share - Diluted

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Earnings per share - Diluted (GAAP)

 

$0.56

 

$0.43

 

$0.42

 

$0.46

 

$0.52

 

 

$1.87

 

$1.76

Effect to adjust for gain on sale of deposits, net of tax

 

—

 

—

 

—

 

—

 

—

 

 

—

 

(0.01)

Effect to adjust for merger-related expenses, net of tax

 

—

 

0.10

 

0.09

 

0.05

 

0.02

 

 

0.25

 

0.31

Effect to adjust for deferred tax asset write down

 

0.01

 

—

 

—

 

—

 

—

 

 

0.01

 

—

Adjusted net income per share - Diluted (Non-GAAP)

 

$0.57

 

$0.53

 

$0.51

 

$0.51

 

$0.54

 

 

$2.13

 

$2.06

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Adjusted return on average assets (Non-GAAP)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Return on average assets (GAAP)

 

1.63%

 

1.27%

 

1.30%

 

1.47%

 

1.64%

 

 

1.42%

 

1.43%

Effect to adjust for merger-related expenses, net of tax

 

—

 

0.30%

 

0.29%

 

0.16%

 

0.04%

 

 

0.18%

 

0.24%

Effect to adjust for deferred tax asset write down

 

0.03%

 

—

 

—

 

—

 

—

 

 

0.01%

 

—

Adjusted return on average assets (Non-GAAP)

 

1.66%

 

1.57%

 

1.59%

 

1.63%

 

1.68%

 

 

1.61%

 

1.67%

 


9

 

 

 

 

Explanation of Certain Unaudited Non-GAAP Financial Measures (continued)

 

 

Three months ended

 

 

Twelve Months Ended

 

 

Dec. 31, 2019

 

Sep. 30, 2019

 

Jun. 30, 2019

 

Mar. 31, 2019

 

Dec. 31, 2018

 

 

Dec. 31, 2019

 

Dec. 31, 2018

Adjusted return on average equity (Non-GAAP)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Return on average equity (GAAP)

 

9.80%

 

7.56%

 

7.63%

 

9.05%

 

10.38%

 

 

8.47%

 

9.41%

Effect to adjust for gain on sale of deposits, net of tax

 

—

 

—

 

—

 

—

 

—

 

 

—

 

(0.03%)

Effect to adjust for merger and acquisition related expenses, net of tax

 

0.02%

 

1.78%

 

1.68%

 

0.98%

 

0.26%

 

 

1.12%

 

1.60%

Effect to adjust for deferred tax asset write down

 

0.13%

 

—

 

—

 

—

 

—

 

 

0.04%

 

—

Adjusted return on average equity (Non-GAAP)

 

9.95%

 

9.34%

 

9.31%

 

10.03%

 

10.64%

 

 

9.63%

 

10.98%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Return on average tangible equity (non-GAAP)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net income (GAAP)

 

$71,132

 

$55,098

 

$54,523

 

$44,643

 

$50,651

 

 

$225,396

 

$156,435

Amortization of intangibles, net of tax

 

3,491

 

3,220

 

3,371

 

2,136

 

2,278

 

 

12,221

 

7,937

Adjusted net income for average tangible equity (Non-GAAP)

 

$74,623

 

$58,318

 

$57,894

 

$46,779

 

$52,929

 

 

$237,617

 

$164,372

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Average stockholders' equity (GAAP)

 

$2,879,606

 

$2,902,333

 

$2,876,244

 

$2,000,411

 

$1,935,152

 

 

$2,667,709

 

$1,662,815

Average noncontrolling interest

 

—

 

(11,723)

 

(11,844)

 

—

 

—

 

 

(5,909)

 

—

Average goodwill

 

(1,204,417)

 

(1,204,417)

 

(1,203,052)

 

(802,880)

 

(802,880)

 

 

(1,105,068)

 

(673,115)

Average core deposit intangible

 

(93,355)

 

(97,483)

 

(103,369)

 

(65,116)

 

(67,648)

 

 

(89,929)

 

(58,463)

Average other intangibles

 

(4,644)

 

(4,682)

 

(4,602)

 

(2,934)

 

(2,947)

 

 

(4,222)

 

(1,504)

Average tangible equity (Non-GAAP)

 

$1,577,190

 

$1,584,028

 

$1,553,377

 

$1,129,481

 

$1,061,677

 

 

$1,462,581

 

$929,733

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Return on average tangible equity (annualized) (Non-GAAP)

 

18.77%

 

14.61%

 

14.95%

 

16.80%

 

19.78%

 

 

16.25%

 

17.68%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Adjusted return on average tangible equity (non-GAAP)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Return on average tangible equity (Non-GAAP)

 

18.77%

 

14.61%

 

14.95%

 

16.80%

 

19.78%

 

 

16.25%

 

17.68%

Effect to adjust for gain on sale of deposits, net of tax

 

—

 

—

 

—

 

—

 

—

 

 

—

 

(0.05%)

Effect to adjust for merger-related expenses, net of tax

 

0.03%

 

3.24%

 

3.09%

 

1.74%

 

0.47%

 

 

2.04%

 

2.86%

Effect to adjust for deferred tax asset write down

 

0.25%

 

—

 

—

 

—

 

—

 

 

0.07%

 

—

Adjusted return on average tangible equity (Non-GAAP)

 

19.05%

 

17.85%

 

18.04%

 

18.54%

 

20.25%

 

 

18.36%

 

20.49%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Efficiency ratio (tax equivalent) (Non-GAAP)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Non-interest income (GAAP)

 

$50,329

 

$48,488

 

$37,943

 

$29,300

 

$32,396

 

 

$166,060

 

$105,127

Gain on sale of deposits

 

—

 

—

 

—

 

—

 

—

 

 

—

 

(611)

Adjusted non-interest income (Non-GAAP)

 

$50,329

 

$48,488

 

$37,943

 

$29,300

 

$32,396

 

 

$166,060

 

$104,516

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net interest income before provision (GAAP)

 

$157,925

 

$154,947

 

$158,681

 

$114,175

 

$115,682

 

 

$585,728

 

$413,082

Total tax equivalent adjustment

 

564

 

491

 

495

 

547

 

731

 

 

2,063

 

2,521

Adjusted net interest income (Non-GAAP)

 

$158,489

 

$155,438

 

$159,176

 

$114,722

 

$116,413

 

 

$587,791

 

$415,603

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Non-interest expense (GAAP)

 

$113,409

 

$127,036

 

$121,989

 

$84,473

 

$79,520

 

 

$446,907

 

$312,467

Amortization of intangibles

 

(4,552)

 

(4,229)

 

(4,435)

 

(2,814)

 

(2,989)

 

 

(16,030)

 

(10,018)

Merger and acquisition related expenses

 

(159)

 

(16,994)

 

(15,739)

 

(6,365)

 

(1,668)

 

 

(39,257)

 

(34,912)

Adjusted non-interest expense (Non-GAAP)

 

$108,698

 

$105,813

 

$101,815

 

$75,294

 

$74,863

 

 

$391,620

 

$267,537

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Efficiency ratio (tax equivalent) (Non-GAAP)

 

54.3%

 

62.3%

 

61.9%

 

58.7%

 

53.4%

 

 

59.3%

 

60.0%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Adjusted efficiency ratio, tax equivalent (Non-GAAP)

 

52.1%

 

51.9%

 

51.7%

 

52.3%

 

50.3%

 

 

51.9%

 

51.4%

 


10

 

 

 

 

Explanation of Certain Unaudited Non-GAAP Financial Measures (continued)

 

 

Ending Balance

 

 

Dec. 31, 2019

 

Sep. 30, 2019

 

Jun. 30, 2019

 

Mar. 31, 2019

 

Dec. 31, 2018

Tangible common equity (Non-GAAP)

 

 

 

 

 

 

 

 

 

 

Total common stockholders' equity (GAAP)

 

$2,896,718

 

$2,857,702

 

$2,878,377

 

$2,027,552

 

$1,971,344

Goodwill

 

(1,204,417)

 

(1,204,417)

 

(1,204,417)

 

(802,880)

 

(802,880)

Core deposit intangible

 

(91,157)

 

(95,175)

 

(99,200)

 

(63,511)

 

(66,225)

Other intangibles

 

(4,507)

 

(4,700)

 

(4,620)

 

(2,996)

 

(2,953)

Common tangible equity (Non-GAAP)

 

$1,596,637

 

$1,553,410

 

$1,570,140

 

$1,158,165

 

$1,099,286

 

 

 

 

 

 

 

 

 

 

 

Total assets (GAAP)

 

$17,142,025

 

$17,420,376

 

$17,036,597

 

$12,587,637

 

$12,337,588

Goodwill

 

(1,204,417)

 

(1,204,417)

 

(1,204,417)

 

(802,880)

 

(802,880)

Core deposit intangible

 

(91,157)

 

(95,175)

 

(99,200)

 

(63,511)

 

(66,225)

Other intangibles

 

(4,507)

 

(4,700)

 

(4,620)

 

(2,996)

 

(2,953)

Total tangible assets (Non-GAAP)

 

$15,841,944

 

$16,116,084

 

$15,728,360

 

$11,718,250

 

$11,465,530

 

 

 

 

 

 

 

 

 

 

 

Common tangible equity to tangible assets (Non-GAAP)

 

10.1%

 

9.6%

 

10.0%

 

9.9%

 

9.6%

Common tangible equity per common share (Non-GAAP)

 

$12.76

 

$12.32

 

$12.17

 

$12.08

 

$11.49

 

 

 

 

 

 

 

 

 

 

 

 

 

Three months ended

 

 

 

 

 

 

Dec. 31, 2019

 

Sep. 30, 2019

 

Dec. 31, 2018

 

 

 

 

Tax equivalent yields (Non-GAAP)

 

 

 

 

 

 

 

 

 

 

Originated loans

 

$70,784

 

$67,723

 

$47,624

 

 

 

 

Acquired loans

 

88,677

 

91,104

 

59,682

 

 

 

 

PCI loans

 

8,224

 

7,652

 

9,448

 

 

 

 

Taxable securities

 

11,665

 

11,740

 

11,834

 

 

 

 

Tax-exempt securities

 

1,739

 

1,732

 

1,682

 

 

 

 

Fed funds sold and other

 

2,783

 

3,974

 

1,911

 

 

 

 

Interest income (GAAP)

 

$183,872

 

$183,925

 

$132,181

 

 

 

 

Tax equivalent adjustment for originated loans

 

316

 

266

 

411

 

 

 

 

Tax equivalent adjustment for acquired loans

 

39

 

23

 

38

 

 

 

 

Tax equivalent adjustment for tax-exempt securities

 

209

 

202

 

282

 

 

 

 

Tax equivalent adjustments

 

564

 

491

 

731

 

 

 

 

Interest income (tax equivalent) (Non-GAAP)

 

$184,436

 

$184,416

 

$132,912

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net interest income (GAAP)

 

$157,925

 

$154,947

 

$115,682

 

 

 

 

Tax equivalent adjustments

 

564

 

491

 

731

 

 

 

 

Net interest income (tax equivalent) (Non-GAAP)

 

$158,489

 

$155,438

 

$116,413

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Yield on originated loans

 

4.83%

 

5.07%

 

4.73%

 

 

 

 

Effect from tax equivalent adjustment

 

0.02%

 

0.02%

 

0.04%

 

 

 

 

Yield on originated loans - tax equivalent (Non-GAAP)

 

4.85%

 

5.09%

 

4.77%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Yield on acquired loans

 

5.76%

 

5.58%

 

5.68%

 

 

 

 

Effect from tax equivalent adjustment

 

—

 

—

 

—

 

 

 

 

Yield on acquired loans - tax equivalent (Non-GAAP)

 

5.76%

 

5.58%

 

5.68%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Yield on tax exempted securities

 

3.12%

 

3.12%

 

3.07%

 

 

 

 

Effect from tax equivalent adjustment

 

0.37%

 

0.37%

 

0.52%

 

 

 

 

Yield on tax exempted securities - tax equivalent (Non-GAAP)

 

3.49%

 

3.49%

 

3.59%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Yield on interest earning assets (GAAP)

 

4.94%

 

4.96%

 

4.96%

 

 

 

 

Effect from tax equivalent adjustments

 

0.01%

 

0.02%

 

0.03%

 

 

 

 

Yield on interest earning assets - tax equivalent (Non-GAAP)

 

4.95%

 

4.98%

 

4.99%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net interest spread (GAAP)

 

3.90%

 

3.79%

 

4.03%

 

 

 

 

Effect for tax equivalent adjustments

 

0.01%

 

0.02%

 

0.03%

 

 

 

 

Net interest spread (Non-GAAP)

 

3.91%

 

3.81%

 

4.06%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net interest margin (GAAP)

 

4.24%

 

4.18%

 

4.35%

 

 

 

 

Effect from tax equivalent adjustments

 

0.01%

 

0.01%

 

0.02%

 

 

 

 

Net interest margin - tax equivalent (Non-GAAP)

 

4.25%

 

4.19%

 

4.37%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net interest margin - tax equivalent (Non-GAAP)

 

4.25%

 

4.19%

 

4.37%

 

 

 

 

Effect of loan accretion

 

(0.48%)

 

(0.36%)

 

(0.50%)

 

 

 

 

Net interest margin excluding loan accretion (Non-GAAP)

 

3.77%

 

3.83%

 

3.87%

 

 

 

 


11

 

 

 

 

About CenterState Bank Corporation

 

CenterState operates as one of the leading Southeastern regional bank franchises headquartered in the state of Florida.  Both CenterState and its nationally chartered bank subsidiary, CenterState Bank, N.A. (the “Bank”), are based in Winter Haven, Florida, between Orlando and Tampa.  With over $17 billion in assets, the Bank provides traditional retail, commercial, mortgage, wealth management and SBA services throughout its Florida, Georgia and Alabama branch network and customer relationships in neighboring states.  The Bank also has a national footprint, serving clients coast to coast through its correspondent banking division.

For additional information contact John C. Corbett (CEO), Stephen D. Young (COO) or William E. Matthews (CFO) at 863-293-4710.

 

Forward Looking Statements

 

Information in this press release, other than statements of historical facts, may constitute forward-looking statements, within the meaning of the Private Securities Litigation Reform Act of 1995. These statements include, but are not limited to, CenterState’s plans, objectives, expectations and intentions, and other statements that are not historical facts.  Forward-looking statements may be identified by terminology such as “may,” “will,” “should,” “scheduled,” “plans,” “intends,” “anticipates,” “expects,” “believes,” estimates,” “potential,” or “continue” or negative of such terms or other comparable terminology.  All forward-looking statements are subject to risks, uncertainties and other facts that may cause the actual results, performance or achievements of CenterState to differ materially from any results expressed or implied by such forward-looking statements. Such factors include, among others, the impact on failing to implement our business strategy, including our growth and acquisition strategy, including the merger with NCOM and its integration; the ability to successfully integrate our acquisitions, including that of NCOM; additional capital requirements due to our growth plans; the impact of an increase in our asset size to over $10 billion; the risks of changes in interest rates and the level and composition of deposits; loan demand, the credit and other risks in our loan portfolio and the values of loan collateral; the impact of us not being able to manage our risk; the impact on a loss of management or other experienced employees; the impact if we failed to maintain our culture and attract and retain skilled people; the risk of changes in technology and customer preferences; the impact of any material failure or breach in our infrastructure or the infrastructure of third parties on which we rely including as a result of cyber-attacks; or material regulatory liability in areas such as BSA or consumer protection; or other areas of legal or other liability as a result of law suits, other legal proceedings, or information-gathering requests, investigations and other proceedings by government and self-regulatory agencies, reputational risks from such failures or liabilities or other events; legislative and regulatory changes; general competitive, political, legal, economic and market conditions and developments; financial market conditions and the results of financing efforts; changes in commodity prices and interest rates; weather, natural disasters and other catastrophic events that may or may not be caused by climate change; and other factors discussed in our filings with the Securities and Exchange Commission under the Exchange Act. Additional factors that could cause results to differ materially from those contemplated by forward-looking statements can be found in CenterState’s Annual Report on Form 10-K for the year ended December 31, 2018, and otherwise in our SEC reports and filings, which are available in the “Investor Relations” section of CenterState’s website, http://www.centerstatebanks.com. Forward-looking statements speak only as of the date they are made. You should not expect us to update any forward-looking statements.

12

 

 

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Name of each exchange on which registered NASDAQ
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