0001564590-21-051438.txt : 20211021 0001564590-21-051438.hdr.sgml : 20211021 20211021161044 ACCESSION NUMBER: 0001564590-21-051438 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 14 CONFORMED PERIOD OF REPORT: 20211021 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20211021 DATE AS OF CHANGE: 20211021 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Meridian Bancorp, Inc. CENTRAL INDEX KEY: 0001600125 STANDARD INDUSTRIAL CLASSIFICATION: NATIONAL COMMERCIAL BANKS [6021] IRS NUMBER: 000000000 STATE OF INCORPORATION: MD FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-36573 FILM NUMBER: 211337137 BUSINESS ADDRESS: STREET 1: 10 MERIDIAN STREET CITY: EAST BOSTON STATE: MA ZIP: 02128 BUSINESS PHONE: (617) 567-1500 MAIL ADDRESS: STREET 1: 10 MERIDIAN STREET CITY: EAST BOSTON STATE: MA ZIP: 02128 8-K 1 ebsb-8k_20211021.htm 8-K ebsb-8k_20211021.htm
false 0001600125 0001600125 2021-10-21 2021-10-21

 

 

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): October 21, 2021

 

 

MERIDIAN BANCORP, INC.

(Exact Name of Registrant as Specified in Charter)

 

 

Maryland

001-36573

46-5396964

(State or Other Jurisdiction

of Incorporation)

(Commission

File No.)

(I.R.S. Employer

Identification No.)

 

67 Prospect Street, Peabody, Massachusetts

01960

(Address of Principal Executive Offices)

(Zip Code)

 

Registrant's telephone number, including area code:  (617) 567-1500

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

EBSB

The NASDAQ Stock Market, LLC

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 October 21, 2021, Meridian Bancorp, Inc. (the “Company”) issued a press release announcing earnings for the third quarter and nine months ended September 30, 2021. A copy of the press release is attached as Exhibit 99 to this report.

The press release attached as an exhibit to this Current Report pursuant to this Item 2.02 is being furnished to, and not filed with, the Securities and Exchange Commission.

Item 9.01

Financial Statements and Exhibits

 

(a)

Not Applicable.

 

(b)

Not Applicable.

 

(c)

Not Applicable.

 

(d)

Exhibits.

 

Exhibit No.

 

Exhibit

 

 

 

99

 

Press release dated October 21, 2021

 

104

 

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

 

 

 

 

 

 

 

SIGNATURES

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.

 

 

 

 

MERIDIAN BANCORP, INC.

 

 

 

 

DATE: October 21, 2021

 

By:

/s/ Kenneth R. Fisher

 

 

 

Kenneth R. Fisher

 

 

 

Executive Vice President, Treasurer and

 

 

 

    Chief Financial Officer

 

 

 EX-99 2 ebsb-ex99_6.htm EX-99 ebsb-ex99_6.htm

Exhibit 99

 

 

Meridian Bancorp, Inc. Announces Results for the Quarter and Nine Months Ended September 30, 2021

 

 

Contact: Richard J. Gavegnano, Chairman, President and Chief Executive Officer

(978) 977-2211

Boston, Massachusetts (October 21, 2021): Meridian Bancorp, Inc. (the “Company” or “Meridian”) (NASDAQ: EBSB), the holding company for East Boston Savings Bank (the “Bank”), announced net income of $18.3 million, or $0.36 per diluted share, for the quarter ended September 30, 2021, compared to $16.5 million, or $0.32 per diluted share for the quarter ended June 30, 2021, and $16.7 million, or $0.33 per diluted share, for the quarter ended September 30, 2020. For the nine months ended September 30, 2021, net income was $59.2 million, or $1.17 per diluted share, up from $46.9 million, or $0.93 per diluted share, for the nine months ended September 30, 2020. The Company’s return on average assets was 1.17% for the quarter ended September 30, 2021, compared to 1.03% for the quarter ended June 30, 2021, and 1.03% for the quarter ended September 30, 2020. For the nine months ended September 30, 2021, the Company’s return on average assets was 1.22%, up from 0.98% for the nine months ended September 30, 2020. The Company’s return on average equity was 9.03% for the quarter ended September 30, 2021, compared to 8.32% for the quarter ended June 30, 2021, and 8.94% for the quarter ended September 30, 2020. For the nine months ended September 30, 2021, the Company’s return on average equity was 9.91%, up from 8.50% for the nine months ended September 30, 2020.

The Company’s net interest income was $46.0 million for the quarter ended September 30, 2021, a decrease of $2.8 million, or 5.7%, from the quarter ended September 30, 2020. The interest rate spread and net interest margin on a tax-equivalent basis were 2.91% and 3.05%, respectively, for the quarter ended September 30, 2021 compared to 2.91% and 3.13%, respectively, for the quarter ended September 30, 2020. For the nine months ended September 30, 2021 net interest income increased $935,000, or 0.7%, to $142.2 million compared to $141.3 million for the nine months ended September 30, 2020. The interest rate spread and net interest margin on a tax-equivalent basis were 2.92% and 3.07% for the nine months ended September 30, 2021 compared to 2.81% and 3.07% for the nine months ended September 30, 2020.

Total interest and dividend income totaled $52.6 million for the quarter ended September 30, 2021, a decrease of $9.0 million, or 14.6% from the quarter ended September 30, 2020, primarily due to a 12.8% decrease in the Company’s average loan balances to $4.947 billion. For the nine months ended September 30, 2021 the Company’s total interest and dividend income totaled $165.8 million, a decrease of $24.0 million, or 12.7%, from the nine months ended September 30, 2020, primarily due to a decrease in the Company’s average loan balances of $534.6 million, or 9.4%, to $5.177 billion.

Total interest expense totaled $6.6 million for the quarter ended September 30, 2021, a decrease of $6.2 million, or 48.6%, from the quarter ended September 30, 2020. Interest expense on deposits decreased to $3.1 million for the quarter ended September 30, 2021, a decrease of $5.7 million, or 64.8%, from the quarter ended September 30, 2020, primarily due to a decrease in the cost of average total deposits to 0.25% from 0.72% for the quarter ended September 30, 2020. The Company’s total cost of funds was 0.48% for the quarter ended September 30, 2021, a decrease of 42 basis points from 0.90% for the quarter ended September 30, 2020. For the nine months ended September 30, 2021, total interest expense totaled $23.6 million, a decrease of $24.9 million, or 51.4%, from the nine months ended September 30, 2020, primarily due to a decrease in the cost of average total deposits to 0.35% from 0.99% for the nine months ended September 30, 2020. The Company’s total cost of funds was 0.56% for the nine months ended September 30, 2021, down 60 basis points from the nine months ended September 30, 2020.

The Company’s provision for credit losses was $217,000 for the quarter ended September 30, 2021, compared to a provision of $7.2 million for the quarter ended September 30, 2020. For the nine months ended September 30, 2021 the Company recognized a provision reversal of $4.3 million compared to a provision of $17.5 million for the nine months ended September 30, 2020. The allowance for credit losses on loans was $60.8 million, or 1.24%, of total loans at September 30, 2021, compared to $68.8 million, or 1.25%, of total loans at December 31, 2020. Non-performing assets were $6.9 million, or 0.11% of total assets, at September 30, 2021, compared to $3.6 million, or 0.05% of total assets, at September 30, 2020.

Non-interest income was $3.1 million for the quarter ended September 30, 2021, a decrease of $509,000, or 14.2%, from the quarter ended September 30, 2020, primarily due to a decrease of $486,000 in mortgage banking gains, net. For the nine months ended September 30, 2021, non-interest income decreased $355,000, or 3.1%, to $11.0 million from $11.4 million for the nine months ended September 30, 2020, primarily due to a $4.2 million gain on sale of asset realized in 2020, a $623,000 decrease in loan fees and a $388,000 decrease in mortgage banking gains, net, partially offset by a $2.6 million valuation increase on marketable equity securities, net, a $1.5 million increase in gain on sale of equity securities, net, and a $976,000 increase in customer service fees.

 

Non-interest expenses were $24.5 million, or 1.57% of average assets for the quarter ended September 30, 2021, compared to $22.8 million, or 1.41% of average assets for the quarter ended September 30, 2020. The Company’s efficiency ratio was 47.53% for the quarter ended September 30, 2021 compared to 43.69% for the quarter ended September 30, 2020. For the nine months ended September 30, 2021, non-interest expenses increased $5.7 million, or 7.8%, to $78.1 million from $72.5 million for the nine months ended September 30, 2020, due primarily to $3.4 million in expense for a legal judgment related to a loan assumed in the Mt. Washington Bank acquisition included in other general and administrative and $2.3 million in merger and acquisition related expenses realized in the second and third quarters of 2021. For the nine months ended September 30, 2021 the efficiency ratio was 50.11% compared to 48.10% for the nine months ended September 30, 2020.

The Company recorded a provision for income taxes of $6.0 million for the quarter ended September 30, 2021, reflecting an effective tax rate of 24.7%, compared to $5.7 million, or an effective rate of 25.5%, for the quarter ended September 30, 2020. For the nine months ended September 30, 2021 the provision for income taxes was $20.2 million, reflecting an effective tax rate of 25.4%, compared to $15.8 million, reflecting an effective rate of 25.1% for the nine months ended September 30, 2020.

Total assets were $6.128 billion at September 30, 2021, down $491.5 million, or 7.4%, from $6.620 billion at December 31, 2020. Net loans were $4.850 billion at September 30, 2021, down $593.6 million, or 10.9%, from December 31, 2020, despite loan originations of $701.1 million during the nine months ended September 30, 2021. The allowance for credit losses on loans decreased $8.0 million, or 11.6%, to $60.8 million during the nine months ended September 30, 2021 from $68.8 million at December 31, 2020, primarily due to changes in the volume and mix of the loan portfolio.

Total deposits were $4.693 billion at September 30, 2021, down $388.0 million, or 7.6%, from $5.081 billion at December 31, 2020. Core deposits, which exclude certificates of deposit, decreased $50.3 million, or 1.3%, during the nine months ended September 30, 2021 to $3.812 billion, or 81.2% of total deposits, compared to 76.0% at December 31, 2020. The decrease in core deposits included the payoff of $175.6 million in brokered interest-bearing demand deposits. Certificates of deposit decreased $337.7 million during the nine months ended September 30, 2021, inclusive of a $87.0 million decrease in brokered certificates of deposit. Total borrowings were $560.6 million at September 30, 2021, down $147.6 million, or 20.8%, from December 31, 2020, primarily due to $50.0 million in matured advances from the FHLB and paying down all borrowings from the Federal Reserve’s PPPLF program.

Total stockholders’ equity increased $44.8 million, or 5.8%, to $813.7 million at September 30, 2021 from $768.9 million at December 31, 2020. The increase for the nine months ended September 30, 2021 was primarily due to net income of $59.2 million, partially offset by dividends of $0.30 per share totaling $15.1 million. Stockholders’ equity to assets was 13.28% at September 30, 2021, compared to 11.61% at December 31, 2020. Tangible book value per share increased to $15.02 at September 30, 2021 from $14.25 at December 31, 2020. Market price per share increased 39.2% to $20.76 at September 30, 2021 from $14.91 at December 31, 2020. The Company and the Bank exceeded the minimum requirement to be considered well capitalized at September 30, 2021.

Meridian Bancorp, Inc. is the holding company for East Boston Savings Bank. East Boston Savings Bank, a Massachusetts-chartered stock savings bank founded in 1848, operates 43 branches in the greater Boston metropolitan area, including 42 full-service locations and one mobile branch. We offer a variety of deposit and loan products to individuals and businesses located in our primary market, which consists of Essex, Middlesex, Norfolk and Suffolk Counties, Massachusetts. For additional information, visit www.ebsb.com.

Forward Looking Statements

Certain statements herein constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Such statements may be identified by words such as “believes,” “will,” “expects,” “project,” “may,” “could,” “developments,” “strategic,” “launching,” “opportunities,” “anticipates,” “estimates,” “intends,” “plans,” “targets” and similar expressions. These statements are based upon the current beliefs and expectations of Meridian Bancorp, Inc.’s management and are subject to significant risks and uncertainties. Actual results may differ materially from those set forth in the forward-looking statements as a result of numerous factors. Factors that could cause such differences to exist include, but are not limited to, general economic conditions, the effects of any health pandemic, changes in interest rates, regulatory considerations, and competition and the risk factors described in the Company’s Annual Report on Form 10-K and Quarterly Reports on Form 10-Q as filed with the Securities and Exchange Commission. Should one or more of these risks materialize or should underlying beliefs or assumptions prove incorrect, Meridian Bancorp, Inc.’s actual results could differ materially from those discussed. Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date of this release.

2

 

MERIDIAN BANCORP, INC. AND SUBSIDIARIES

CONSOLIDATED BALANCE SHEETS

(Unaudited)

 

 

 

September 30,

2021

 

 

June 30,

2021

 

 

December 31,

2020

 

 

September 30,

2020

 

 

 

 

(Dollars in thousands)

 

 

ASSETS

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Cash and due from banks

 

$

1,052,553

 

 

$

1,101,359

 

 

$

914,586

 

 

$

702,138

 

 

Securities available for sale, at fair value

 

 

9,170

 

 

 

9,810

 

 

 

11,326

 

 

 

12,183

 

 

Marketable equity securities, at fair value

 

 

10

 

 

 

9,112

 

 

 

12,189

 

 

 

16,203

 

 

Federal Home Loan Bank stock, at cost

 

 

26,184

 

 

 

26,184

 

 

 

30,658

 

 

 

33,282

 

 

Loans held for sale

 

 

2,408

 

 

 

5,711

 

 

 

8,224

 

 

 

11,662

 

 

Loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

One- to four-family

 

 

468,796

 

 

 

489,310

 

 

 

564,146

 

 

 

604,037

 

 

Home equity lines of credit

 

 

54,170

 

 

 

56,032

 

 

 

68,721

 

 

 

73,581

 

 

Multi-family

 

 

765,262

 

 

 

809,317

 

 

 

880,552

 

 

 

941,409

 

 

Commercial real estate

 

 

2,243,290

 

 

 

2,295,030

 

 

 

2,499,660

 

 

 

2,595,124

 

 

Construction

 

 

707,503

 

 

 

645,622

 

 

 

731,432

 

 

 

666,375

 

 

Commercial and industrial

 

 

670,116

 

 

 

703,745

 

 

 

765,195

 

 

 

766,418

 

 

Consumer

 

 

9,296

 

 

 

9,749

 

 

 

10,707

 

 

 

12,213

 

 

Total loans

 

 

4,918,433

 

 

 

5,008,805

 

 

 

5,520,413

 

 

 

5,659,157

 

 

Allowance for credit losses on loans

 

 

(60,849

)

 

 

(64,300

)

 

 

(68,824

)

 

 

(67,639

)

 

Net deferred loan origination fees

 

 

(7,333

)

 

 

(7,930

)

 

 

(7,784

)

 

 

(7,717

)

 

Loans, net

 

 

4,850,251

 

 

 

4,936,575

 

 

 

5,443,805

 

 

 

5,583,801

 

 

Bank-owned life insurance

 

 

42,670

 

 

 

42,402

 

 

 

41,877

 

 

 

41,606

 

 

Premises and equipment, net

 

 

63,321

 

 

 

64,649

 

 

 

66,850

 

 

 

67,917

 

 

Accrued interest receivable

 

 

17,631

 

 

 

19,932

 

 

 

23,173

 

 

 

21,460

 

 

Deferred tax asset, net

 

 

20,865

 

 

 

21,437

 

 

 

21,355

 

 

 

17,007

 

 

Goodwill

 

 

20,378

 

 

 

20,378

 

 

 

20,378

 

 

 

20,378

 

 

Core deposit intangible

 

 

1,341

 

 

 

1,445

 

 

 

1,651

 

 

 

1,769

 

 

Other assets

 

 

21,592

 

 

 

28,147

 

 

 

23,776

 

 

 

37,327

 

 

Total assets

 

$

6,128,374

 

 

$

6,287,141

 

 

$

6,619,848

 

 

$

6,566,733

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

LIABILITIES AND STOCKHOLDERS' EQUITY

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Deposits:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Non interest-bearing demand deposits

 

$

818,350

 

 

$

801,612

 

 

$

711,573

 

 

$

707,458

 

 

Interest-bearing demand deposits

 

 

1,331,001

 

 

 

1,270,484

 

 

 

1,364,548

 

 

 

1,353,153

 

 

Money market deposits

 

 

833,125

 

 

 

863,526

 

 

 

930,507

 

 

 

789,712

 

 

Regular savings and other deposits

 

 

829,194

 

 

 

866,191

 

 

 

855,329

 

 

 

850,810

 

 

Certificates of deposit

 

 

881,509

 

 

 

1,061,914

 

 

 

1,219,210

 

 

 

1,250,894

 

 

Total deposits

 

 

4,693,179

 

 

 

4,863,727

 

 

 

5,081,167

 

 

 

4,952,027

 

 

Short-term borrowings

 

 

—

 

 

 

—

 

 

 

—

 

 

 

25,000

 

 

Long-term debt

 

 

560,625

 

 

 

560,625

 

 

 

708,245

 

 

 

779,279

 

 

Accrued expenses and other liabilities

 

 

60,872

 

 

 

61,575

 

 

 

61,551

 

 

 

62,163

 

 

Total liabilities

 

 

5,314,676

 

 

 

5,485,927

 

 

 

5,850,963

 

 

 

5,818,469

 

 

Stockholders' equity:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Preferred stock, $0.01 par value, 50,000,000 shares authorized; none issued

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

Common stock, $0.01 par value, 100,000,000 shares authorized; 52,711,409, 52,608,747, 52,415,061 and 52,413,120 shares issued at September 30, 2021, June 30, 2021, December 31, 2020 and September 30, 2020, respectively

 

 

527

 

 

 

526

 

 

 

524

 

 

 

524

 

 

Additional paid-in capital

 

 

364,844

 

 

 

365,607

 

 

 

363,995

 

 

 

363,093

 

 

Retained earnings

 

 

464,384

 

 

 

451,100

 

 

 

420,297

 

 

 

400,649

 

 

Accumulated other comprehensive (loss) income

 

 

(184

)

 

 

(146

)

 

 

(58

)

 

 

91

 

 

Unearned compensation - ESOP; 2,191,745, 2,191,745, 2,191,745 and 2,222,186 shares at September 30, 2021, June 30, 2021, December 31, 2020 and September 30, 2020, respectively

 

 

(15,873

)

 

 

(15,873

)

 

 

(15,873

)

 

 

(16,093

)

 

Total stockholders' equity

 

 

813,698

 

 

 

801,214

 

 

 

768,885

 

 

 

748,264

 

 

Total liabilities and stockholders' equity

 

$

6,128,374

 

 

$

6,287,141

 

 

$

6,619,848

 

 

$

6,566,733

 

 

 

3

 

 

MERIDIAN BANCORP, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF NET INCOME

(Unaudited)

 

 

 

Three Months Ended

 

 

Nine Months Ended

 

 

 

September 30,

2021

 

 

June 30,

2021

 

 

September 30,

2020

 

 

September 30,

2021

 

 

September 30,

2020

 

 

 

(Dollars in thousands, except per share amounts)

 

Interest and dividend income:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest and fees on loans

 

$

51,964

 

 

$

54,918

 

 

$

60,918

 

 

$

164,044

 

 

$

186,400

 

Interest on debt securities

 

 

57

 

 

 

61

 

 

 

76

 

 

 

183

 

 

 

263

 

Dividends on marketable equity securities

 

 

40

 

 

 

90

 

 

 

118

 

 

 

254

 

 

 

357

 

Interest on certificates of deposit

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

1

 

Other interest and dividend income

 

 

555

 

 

 

361

 

 

 

494

 

 

 

1,286

 

 

 

2,753

 

Total interest and dividend income

 

 

52,616

 

 

 

55,430

 

 

 

61,606

 

 

 

165,767

 

 

 

189,774

 

Interest expense:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest on deposits

 

 

3,081

 

 

 

4,209

 

 

 

8,746

 

 

 

13,019

 

 

 

36,106

 

Interest on short-term borrowings

 

 

—

 

 

 

—

 

 

 

52

 

 

 

—

 

 

 

112

 

Interest on borrowings

 

 

3,491

 

 

 

3,453

 

 

 

3,999

 

 

 

10,535

 

 

 

12,278

 

Total interest expense

 

 

6,572

 

 

 

7,662

 

 

 

12,797

 

 

 

23,554

 

 

 

48,496

 

Net interest income

 

 

46,044

 

 

 

47,768

 

 

 

48,809

 

 

 

142,213

 

 

 

141,278

 

Provision (reversal) for credit losses

 

 

217

 

 

 

749

 

 

 

7,163

 

 

 

(4,270

)

 

 

17,529

 

Net interest income, after provision (reversal) for credit losses

 

 

45,827

 

 

 

47,019

 

 

 

41,646

 

 

 

146,483

 

 

 

123,749

 

Non-interest income:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Customer service fees

 

 

2,530

 

 

 

2,485

 

 

 

2,193

 

 

 

7,214

 

 

 

6,238

 

Loan fees

 

 

146

 

 

 

39

 

 

 

264

 

 

 

280

 

 

 

903

 

Mortgage banking gains, net

 

 

218

 

 

 

45

 

 

 

704

 

 

 

845

 

 

 

1,233

 

Gain on sale of asset

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

4,195

 

(Loss) gain on marketable equity securities, net

 

 

(104

)

 

 

200

 

 

 

122

 

 

 

1,881

 

 

 

(2,197

)

Income from bank-owned life insurance

 

 

268

 

 

 

264

 

 

 

272

 

 

 

793

 

 

 

842

 

Other income

 

 

5

 

 

 

17

 

 

 

17

 

 

 

31

 

 

 

185

 

Total non-interest income

 

 

3,063

 

 

 

3,050

 

 

 

3,572

 

 

 

11,044

 

 

 

11,399

 

Non-interest expenses:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Salaries and employee benefits

 

 

13,941

 

 

 

13,939

 

 

 

13,426

 

 

 

43,396

 

 

 

43,198

 

Occupancy and equipment

 

 

3,644

 

 

 

3,900

 

 

 

3,734

 

 

 

11,775

 

 

 

11,397

 

Data processing

 

 

2,354

 

 

 

2,273

 

 

 

2,196

 

 

 

6,868

 

 

 

6,466

 

Marketing and advertising

 

 

663

 

 

 

1,032

 

 

 

554

 

 

 

2,591

 

 

 

2,814

 

Professional services

 

 

704

 

 

 

691

 

 

 

688

 

 

 

2,125

 

 

 

2,380

 

Deposit insurance

 

 

406

 

 

 

345

 

 

 

692

 

 

 

1,264

 

 

 

1,967

 

Merger and acquisition

 

 

1,158

 

 

 

1,115

 

 

 

—

 

 

 

2,273

 

 

 

—

 

Other general and administrative

 

 

1,677

 

 

 

4,738

 

 

 

1,540

 

 

 

7,831

 

 

 

4,229

 

Total non-interest expenses

 

 

24,547

 

 

 

28,033

 

 

 

22,830

 

 

 

78,123

 

 

 

72,451

 

Income before income taxes

 

 

24,343

 

 

 

22,036

 

 

 

22,388

 

 

 

79,404

 

 

 

62,697

 

Provision for income taxes

 

 

6,007

 

 

 

5,490

 

 

 

5,714

 

 

 

20,202

 

 

 

15,767

 

Net income

 

$

18,336

 

 

$

16,546

 

 

$

16,674

 

 

$

59,202

 

 

$

46,930

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Earnings per share:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Basic

 

$

0.36

 

 

$

0.33

 

 

$

0.33

 

 

$

1.18

 

 

$

0.93

 

Diluted

 

$

0.36

 

 

$

0.32

 

 

$

0.33

 

 

$

1.17

 

 

$

0.93

 

Weighted average shares outstanding:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Basic

 

 

50,470,710

 

 

 

50,375,468

 

 

 

50,169,024

 

 

 

50,362,807

 

 

 

50,311,231

 

Diluted

 

 

50,865,435

 

 

 

50,943,160

 

 

 

50,248,048

 

 

 

50,792,228

 

 

 

50,459,326

 

 

4

 

 

MERIDIAN BANCORP, INC. AND SUBSIDIARIES

NET INTEREST INCOME ANALYSIS

(Unaudited)

 

 

 

Three Months Ended

 

 

September 30, 2021

 

June 30, 2021

 

September 30, 2020

 

 

Average

Balance

 

 

Interest

(1)

 

Yield/

Cost (1)(6)

 

Average

Balance

 

 

Interest

(1)

 

Yield/

Cost (1)(6)

 

Average

Balance

 

 

Interest

(1)

 

Yield/

Cost (1)(6)

 

 

(Dollars in thousands)

Assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest-earning assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans (2)

 

$

4,947,057

 

 

$

52,723

 

 

 

 

4.23

 

%

 

$

5,160,579

 

 

$

55,702

 

 

 

 

4.33

 

%

 

$

5,671,957

 

 

$

61,682

 

 

 

 

4.33

 

%

Securities and certificates of deposit

 

 

14,886

 

 

 

108

 

 

 

 

2.88

 

 

 

 

19,445

 

 

 

171

 

 

 

 

3.53

 

 

 

 

29,263

 

 

 

219

 

 

 

 

2.98

 

 

Other interest-earning assets (3)

 

 

1,128,550

 

 

 

555

 

 

 

 

0.20

 

 

 

 

1,099,850

 

 

 

361

 

 

 

 

0.13

 

 

 

 

604,916

 

 

 

494

 

 

 

 

0.32

 

 

Total interest-earning assets

 

 

6,090,493

 

 

 

53,386

 

 

 

 

3.48

 

 

 

 

6,279,874

 

 

 

56,234

 

 

 

 

3.59

 

 

 

 

6,306,136

 

 

 

62,395

 

 

 

 

3.94

 

 

Noninterest-earning assets

 

 

158,025

 

 

 

 

 

 

 

 

 

 

 

 

 

154,470

 

 

 

 

 

 

 

 

 

 

 

 

 

161,886

 

 

 

 

 

 

 

 

 

 

 

Total assets

 

$

6,248,518

 

 

 

 

 

 

 

 

 

 

 

 

$

6,434,344

 

 

 

 

 

 

 

 

 

 

 

 

$

6,468,022

 

 

 

 

 

 

 

 

 

 

 

Liabilities and stockholders' equity:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest-bearing liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest-bearing demand deposits

 

$

1,312,061

 

 

$

669

 

 

 

 

0.20

 

 

 

$

1,403,276

 

 

$

959

 

 

 

 

0.27

 

 

 

$

1,291,341

 

 

$

1,946

 

 

 

 

0.60

 

 

Money market deposits

 

 

866,553

 

 

 

326

 

 

 

 

0.15

 

 

 

 

859,189

 

 

 

471

 

 

 

 

0.22

 

 

 

 

769,571

 

 

 

1,270

 

 

 

 

0.66

 

 

Regular savings and other deposits

 

 

849,253

 

 

 

217

 

 

 

 

0.10

 

 

 

 

870,508

 

 

 

333

 

 

 

 

0.15

 

 

 

 

834,368

 

 

 

966

 

 

 

 

0.46

 

 

Certificates of deposit

 

 

978,573

 

 

 

1,869

 

 

 

 

0.76

 

 

 

 

1,116,928

 

 

 

2,446

 

 

 

 

0.88

 

 

 

 

1,262,433

 

 

 

4,564

 

 

 

 

1.44

 

 

Total interest-bearing deposits

 

 

4,006,440

 

 

 

3,081

 

 

 

 

0.31

 

 

 

 

4,249,901

 

 

 

4,209

 

 

 

 

0.40

 

 

 

 

4,157,713

 

 

 

8,746

 

 

 

 

0.84

 

 

Borrowings

 

 

560,625

 

 

 

3,491

 

 

 

 

2.47

 

 

 

 

560,625

 

 

 

3,453

 

 

 

 

2.47

 

 

 

 

804,281

 

 

 

4,051

 

 

 

 

2.00

 

 

Total interest-bearing liabilities

 

 

4,567,065

 

 

 

6,572

 

 

 

 

0.57

 

 

 

 

4,810,526

 

 

 

7,662

 

 

 

 

0.64

 

 

 

 

4,961,994

 

 

 

12,797

 

 

 

 

1.03

 

 

Noninterest-bearing demand deposits

 

 

814,961

 

 

 

 

 

 

 

 

 

 

 

 

 

777,688

 

 

 

 

 

 

 

 

 

 

 

 

 

702,717

 

 

 

 

 

 

 

 

 

 

 

Other noninterest-bearing liabilities

 

 

54,669

 

 

 

 

 

 

 

 

 

 

 

 

 

50,409

 

 

 

 

 

 

 

 

 

 

 

 

 

57,636

 

 

 

 

 

 

 

 

 

 

 

Total liabilities

 

 

5,436,695

 

 

 

 

 

 

 

 

 

 

 

 

 

5,638,623

 

 

 

 

 

 

 

 

 

 

 

 

 

5,722,347

 

 

 

 

 

 

 

 

 

 

 

Total stockholders' equity

 

 

811,823

 

 

 

 

 

 

 

 

 

 

 

 

 

795,721

 

 

 

 

 

 

 

 

 

 

 

 

 

745,675

 

 

 

 

 

 

 

 

 

 

 

Total liabilities and stockholders' equity

 

$

6,248,518

 

 

 

 

 

 

 

 

 

 

 

 

$

6,434,344

 

 

 

 

 

 

 

 

 

 

 

 

$

6,468,022

 

 

 

 

 

 

 

 

 

 

 

Net interest-earning assets

 

$

1,523,428

 

 

 

 

 

 

 

 

 

 

 

 

$

1,469,348

 

 

 

 

 

 

 

 

 

 

 

 

$

1,344,142

 

 

 

 

 

 

 

 

 

 

 

Fully tax-equivalent net interest income

 

 

 

 

 

 

46,814

 

 

 

 

 

 

 

 

 

 

 

 

 

48,572

 

 

 

 

 

 

 

 

 

 

 

 

 

49,598

 

 

 

 

 

 

 

Less: tax-equivalent adjustments

 

 

 

 

 

 

(770

)

 

 

 

 

 

 

 

 

 

 

 

 

(803

)

 

 

 

 

 

 

 

 

 

 

 

 

(789

)

 

 

 

 

 

 

Net interest income

 

 

 

 

 

$

46,044

 

 

 

 

 

 

 

 

 

 

 

 

$

47,769

 

 

 

 

 

 

 

 

 

 

 

 

$

48,809

 

 

 

 

 

 

 

Interest rate spread (1)(4)

 

 

 

 

 

 

 

 

 

 

 

2.91

 

%

 

 

 

 

 

 

 

 

 

 

 

2.95

 

%

 

 

 

 

 

 

 

 

 

 

 

2.91

 

%

Net interest margin (1)(5)

 

 

 

 

 

 

 

 

 

 

 

3.05

 

%

 

 

 

 

 

 

 

 

 

 

 

3.10

 

%

 

 

 

 

 

 

 

 

 

 

 

3.13

 

%

Average interest-earning assets to average

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

interest-bearing liabilities

 

 

 

 

 

 

133.36

 

%

 

 

 

 

 

 

 

 

 

 

 

130.54

 

%

 

 

 

 

 

 

 

 

 

 

 

127.09

 

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Supplemental Information:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total deposits, including noninterest-bearing

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

demand deposits

 

$

4,821,401

 

 

$

3,081

 

 

 

 

0.25

 

%

 

$

5,027,589

 

 

$

4,209

 

 

 

 

0.34

 

%

 

$

4,860,430

 

 

$

8,746

 

 

 

 

0.72

 

%

Total deposits and borrowings, including

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

noninterest-bearing demand deposits

 

$

5,382,026

 

 

$

6,572

 

 

 

 

0.48

 

%

 

$

5,588,214

 

 

$

7,662

 

 

 

 

0.55

 

%

 

$

5,664,711

 

 

$

12,797

 

 

 

 

0.90

 

%

 

(1)

Income on debt securities, marketable equity securities and revenue bonds included in commercial real estate loans, as well as resulting yields, interest rate spread and net interest margin, are presented on a tax-equivalent basis. The tax-equivalent adjustments are deducted from tax-equivalent net interest income to agree to amounts reported in the consolidated statements of net income. For the three months ended September 30, 2021, June 30, 2021, and September 30, 2020, yields on loans before tax-equivalent adjustments were 4.17%, 4.27% and 4.27%, respectively, yields on securities and certificates of deposit before tax-equivalent adjustments were 2.59%, 3.11% and 2.64%, respectively, and yields on total interest-earning assets before tax-equivalent adjustments were 3.43%, 3.54% and 3.89%, respectively. Interest rate spread before tax-equivalent adjustments for the three months ended September 30, 2021, June 30, 2021 and September 30, 2020 was 2.86%, 2.90% and 2.86%, respectively, while net interest margin before tax-equivalent adjustments for the three months ended September 30, 2021, June 30, 2021 and September 30, 2020 was 3.00%, 3.05% and 3.08%, respectively.

(2)

Loans on non-accrual status are included in average balances .

(3)

Includes Federal Home Loan Bank stock and associated dividends.

(4)

Interest rate spread represents the difference between the tax-equivalent yield on interest-earning assets and the cost of interest-bearing liabilities.

(5)

Net interest margin represents net interest income (tax-equivalent basis) divided by average interest-earning assets.

(6)

Annualized.

 

 

5

 

 

MERIDIAN BANCORP, INC. AND SUBSIDIARIES

NET INTEREST INCOME ANALYSIS

(Unaudited)

 

 

 

Nine Months Ended

 

 

September 30, 2021

 

September 30, 2020

 

 

Average

Balance

 

 

Interest (1)

 

Yield/

Cost (1)

 

Average

Balance

 

 

Interest (1)

 

Yield/

Cost (1)

 

 

(Dollars in thousands)

Assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest-earning assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans (2)

 

$

5,177,216

 

 

$

166,379

 

 

 

 

4.30

 

%

 

$

5,711,852

 

 

$

188,603

 

 

 

 

4.41

 

%

Securities and certificates of deposit

 

 

18,368

 

 

 

479

 

 

 

 

3.49

 

 

 

 

29,201

 

 

 

676

 

 

 

 

3.09

 

 

Other interest-earning assets (3)

 

 

1,095,483

 

 

 

1,286

 

 

 

 

0.16

 

 

 

 

495,054

 

 

 

2,753

 

 

 

 

0.74

 

 

Total interest-earning assets

 

 

6,291,067

 

 

 

168,144

 

 

 

 

3.57

 

 

 

 

6,236,107

 

 

 

192,032

 

 

 

 

4.11

 

 

Noninterest-earning assets

 

 

158,898

 

 

 

 

 

 

 

 

 

 

 

 

 

159,039

 

 

 

 

 

 

 

 

 

 

 

Total assets

 

$

6,449,965

 

 

 

 

 

 

 

 

 

 

 

 

$

6,395,146

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Liabilities and stockholders' equity:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest-bearing liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest-bearing demand deposits

 

$

1,391,975

 

 

$

3,037

 

 

 

 

0.29

 

 

 

$

1,289,479

 

 

$

8,736

 

 

 

 

0.90

 

 

Money market deposits

 

 

867,744

 

 

 

1,577

 

 

 

 

0.24

 

 

 

 

728,024

 

 

 

4,551

 

 

 

 

0.84

 

 

Regular savings and other deposits

 

 

860,355

 

 

 

1,085

 

 

 

 

0.17

 

 

 

 

860,593

 

 

 

4,493

 

 

 

 

0.70

 

 

Certificates of deposit

 

 

1,105,381

 

 

 

7,320

 

 

 

 

0.89

 

 

 

 

1,356,139

 

 

 

18,326

 

 

 

 

1.81

 

 

Total interest-bearing deposits

 

 

4,225,455

 

 

 

13,019

 

 

 

 

0.41

 

 

 

 

4,234,235

 

 

 

36,106

 

 

 

 

1.14

 

 

Borrowings

 

 

596,646

 

 

 

10,535

 

 

 

 

2.36

 

 

 

 

738,058

 

 

 

12,390

 

 

 

 

2.24

 

 

Total interest-bearing liabilities

 

 

4,822,101

 

 

 

23,554

 

 

 

 

0.65

 

 

 

 

4,972,293

 

 

 

48,496

 

 

 

 

1.30

 

 

Noninterest-bearing demand deposits

 

 

775,951

 

 

 

 

 

 

 

 

 

 

 

 

 

630,072

 

 

 

 

 

 

 

 

 

 

 

Other noninterest-bearing liabilities

 

 

52,470

 

 

 

 

 

 

 

 

 

 

 

 

 

56,420

 

 

 

 

 

 

 

 

 

 

 

Total liabilities

 

 

5,650,522

 

 

 

 

 

 

 

 

 

 

 

 

 

5,658,785

 

 

 

 

 

 

 

 

 

 

 

Total stockholders' equity

 

 

796,443

 

 

 

 

 

 

 

 

 

 

 

 

 

736,361

 

 

 

 

 

 

 

 

 

 

 

Total liabilities and stockholders' equity

 

$

6,446,965

 

 

 

 

 

 

 

 

 

 

 

 

$

6,395,146

 

 

 

 

 

 

 

 

 

 

 

Net interest-earning assets

 

$

1,468,966

 

 

 

 

 

 

 

 

 

 

 

 

$

1,263,814

 

 

 

 

 

 

 

 

 

 

 

Fully tax-equivalent net interest income

 

 

 

 

 

 

144,590

 

 

 

 

 

 

 

 

 

 

 

 

 

143,536

 

 

 

 

 

 

 

Less: tax-equivalent adjustments

 

 

 

 

 

 

(2,377

)

 

 

 

 

 

 

 

 

 

 

 

 

(2,258

)

 

 

 

 

 

 

Net interest income

 

 

 

 

 

$

142,213

 

 

 

 

 

 

 

 

 

 

 

 

$

141,278

 

 

 

 

 

 

 

Interest rate spread (1)(4)

 

 

 

 

 

 

 

 

 

 

 

2.92

 

%

 

 

 

 

 

 

 

 

 

 

 

2.81

 

%

Net interest margin (1)(5)

 

 

 

 

 

 

 

 

 

 

 

3.07

 

%

 

 

 

 

 

 

 

 

 

 

 

3.07

 

%

Average interest-earning assets to average

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

interest-bearing liabilities

 

 

 

 

 

 

130.46

 

%

 

 

 

 

 

 

 

 

 

 

 

125.42

 

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Supplemental Information:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total deposits, including noninterest-bearing

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

demand deposits

 

$

5,001,406

 

 

$

13,019

 

 

 

 

0.35

 

%

 

$

4,864,307

 

 

$

36,106

 

 

 

 

0.99

 

%

Total deposits and borrowings, including

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

noninterest-bearing demand deposits

 

$

5,598,052

 

 

$

23,554

 

 

 

 

0.56

 

%

 

$

5,602,365

 

 

$

48,496

 

 

 

 

1.16

 

%

_________________________            

(1)

Income on debt securities, marketable equity securities and revenue bonds included in commercial real estate loans, as well as resulting yields, interest rate spread and net interest margin, are presented on a tax-equivalent basis. The tax-equivalent adjustments are deducted from tax-equivalent net interest income to agree to amounts reported in the consolidated statements of net income. For the nine months ended September 30, 2021 and 2020, yields on loans before tax-equivalent adjustments were 4.24%, and 4.36%, respectively, yields on securities and certificates of deposit before tax-equivalent adjustments were 3.18% and 2.84%, respectively, and yields on total interest-earning assets before tax-equivalent adjustments were 3.52% and 4.06%, respectively. Interest rate spread before tax-equivalent adjustments for the nine months ended  September 30, 2021 and 2020 was 2.87% and 2.76%, respectively, while net interest margin before tax-equivalent adjustments for the nine months ended September 30, 2021 and 2020 was 3.02%, and 3.03%, respectively.

(2)

Loans on non-accrual status are included in average balances.

(3)

Includes Federal Home Loan Bank stock and associated dividends.

(4)

Interest rate spread represents the difference between the tax-equivalent yield on interest-earning assets and the cost of interest-bearing liabilities.

(5)

Net interest margin represents net interest income (tax-equivalent basis) divided by average interest-earning assets.

(6)

Annualized.

 

 

6

 

 

MERIDIAN BANCORP, INC. AND SUBSIDIARIES

SELECTED FINANCIAL HIGHLIGHTS

(Unaudited)

 

 

 

Three Months Ended

 

Nine Months Ended

 

 

September 30,

2021

 

June 30,

2021

 

September 30,

2020

 

September 30,

2021

 

September 30,

2020

Key Performance Ratios

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Return on average assets (1)

 

 

1.17

 

%

 

 

1.03

 

%

 

 

1.03

 

%

 

 

1.22

 

%

 

 

0.98

 

%

Return on average equity (1)

 

 

9.03

 

 

 

 

8.32

 

 

 

 

8.94

 

 

 

 

9.91

 

 

 

 

8.50

 

 

Interest rate spread  (1) (2)

 

 

2.91

 

 

 

 

2.95

 

 

 

 

2.91

 

 

 

 

2.92

 

 

 

 

2.81

 

 

Net interest margin  (1) (3)

 

 

3.05

 

 

 

 

3.10

 

 

 

 

3.13

 

 

 

 

3.07

 

 

 

 

3.07

 

 

Non-interest expense to average assets  (1)

 

 

1.57

 

 

 

 

1.74

 

 

 

 

1.41

 

 

 

 

1.61

 

 

 

 

1.51

 

 

Efficiency ratio (4)

 

 

47.53

 

 

 

 

53.18

 

 

 

 

43.69

 

 

 

 

50.11

 

 

 

 

48.10

 

 

 

 

 

September 30,

2021

 

June 30,

2021

 

December 31,

2020

 

September 30,

2020

 

 

(Dollars in thousands)

Asset Quality

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Non-accrual loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

One- to four-family

 

$

1,605

 

 

 

$

1,633

 

 

 

$

2,617

 

 

 

$

3,041

 

 

Home equity lines of credit

 

 

339

 

 

 

 

20

 

 

 

 

20

 

 

 

 

20

 

 

Commercial real estate

 

 

5,005

 

 

 

 

8,176

 

 

 

 

—

 

 

 

 

—

 

 

Commercial and industrial

 

 

—

 

 

 

 

635

 

 

 

 

527

 

 

 

 

541

 

 

Total non-accrual loans

 

 

6,949

 

 

 

 

10,464

 

 

 

 

3,164

 

 

 

 

3,602

 

 

Foreclosed assets

 

 

—

 

 

 

 

—

 

 

 

 

—

 

 

 

 

—

 

 

Total non-performing assets

 

$

6,949

 

 

 

$

10,464

 

 

 

$

3,164

 

 

 

$

3,602

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Allowance for credit losses on loans/total loans

 

 

1.24

 

%

 

 

1.28

 

%

 

 

1.25

 

%

 

 

1.20

 

%

Allowance for credit losses on loans/non-accrual loans

 

 

875.65

 

 

 

 

614.49

 

 

 

 

2,175.22

 

 

 

 

1,877.82

 

 

Non-accrual loans/total loans

 

 

0.14

 

 

 

 

0.21

 

 

 

 

0.06

 

 

 

 

0.06

 

 

Non-accrual loans/total assets

 

 

0.11

 

 

 

 

0.17

 

 

 

 

0.05

 

 

 

 

0.05

 

 

Non-performing assets/total assets

 

 

0.11

 

 

 

 

0.17

 

 

 

 

0.05

 

 

 

 

0.05

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Capital and Share Related

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Stockholders' equity to total assets

 

 

13.28

 

%

 

 

12.74

 

%

 

 

11.61

 

%

 

 

11.39

 

%

Book value per share

 

$

15.44

 

 

 

$

15.23

 

 

 

$

14.67

 

 

 

$

14.28

 

 

Tangible book value per share (5)

 

$

15.02

 

 

 

$

14.81

 

 

 

$

14.25

 

 

 

$

13.85

 

 

Market value per share

 

$

20.76

 

 

 

$

20.46

 

 

 

$

14.91

 

 

 

$

10.35

 

 

Shares outstanding

 

 

52,711,409

 

 

 

52,608,747

 

 

 

52,415,061

 

 

 

52,413,120

 

 

 

(1)

Annualized.

(2)

Interest rate spread represents the difference between the tax-equivalent yield on interest-earning assets and the cost of interest-bearing liabilities.

(3)

Net interest margin represents net interest income (tax-equivalent basis) divided by average interest-earning assets.

(4)

The efficiency ratio is a non-GAAP measure representing non-interest expense, excluding merger and acquisition expenses, divided by the sum of net interest income and non-interest income excluding gains and losses on marketable equity securities and gains and losses on sale of assets. The efficiency ratio is a common measure used by banks to understand expenses related to the generation of revenue. We have removed gains and losses on marketable equity securities, gains and losses on sale of assets, and merger and acquisition expenses as management deems them to be either discretionary or market driven and not representative of operating performance. Presented on a basis including gains and losses on marketable equity securities, gains and losses on sale of assets, and merger and acquisition expenses the efficiency ratio was 49.99%, 55.16% and 43.58% for the quarters ended September 30, 2021, June 30, 2021 and September 30, 2020, respectively and 50.98% and 47.45% for the nine months ended September 30, 2021 and 2020, respectively.

(5)

Tangible book value per share represents total stockholders’ equity less goodwill and other intangible assets divided by the number of shares outstanding.

7

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Name of Each Exchange on Which Registered NASDAQ
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