Equity Bancshares, Inc. · NYSE:EQBK
Equity Bancshares — YTD June 2016 Earnings Presentation
17 slides from Equity Bancshares's earnings presentation, Jul 21, 2016
Slide 1: YTD June 30, 2016 Results Presentation
YTD June 30, 2016 Results Presentation July 22, 2016 Exhibit 99.2
Slide 2: Disclaimers: Forward-Looking Statements
Disclaimers FORWARD-LOOKING STATEMENTS The following information contains “forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. These forward-looking statements reflect the current
Slide 3: Disclaimers: Important Additional Information
Disclaimers IMPORTANT ADDITIONAL INFORMATION This communication does not constitute an offer to sell or the solicitation of an offer to buy any securities. Investors and security holders are urged to carefully review and consider Equity’s public filings with the SEC, including but not limited to its
Slide 4: 2016 YTD Highlights
$6.3 million net income allocable to common stockholders 28% growth over YTD June, 2015 Efficiency ratio of 66.07%, compared to 66.72% at YTD June 2015 1 Continued our FHLB stock “leverage strategy” OREO continues downward from $5.8 million at 12/31/2015 to $4.9 million at 6/30/2016 Loans to deposit
Slide 5: Tangible Common Book Value
Tangible Common Book Value 2 Tangible Common Book Value per Share and Asset Growth 2012: Completion of FCB acquisition. $20.4MM capital raised to fund FCB. 2014: Repurchase 1.3MM shares. Repayment of $15.54MM of FCB TARP with a Bank stock loan. 2015: Acquisition of FFSL. IPO. TCBV CAGR 2012-2015: 11
Slide 6: EPS & ROATCE
EPS & ROATCE Diluted EPS and Net Income to Common Return on Average Tangible Common Equity 3 * Annualized
Slide 7: Revenue & Efficiency Ratio
Revenue & Efficiency Ratio Efficiency Ratio & NIE/Average Assets Income and Margin 4 84% 85% 84% 85% 84% 16% 15% 16% 15% 16% $30,393 $48,627 $49,049 $54,626 $29,623 * Excluding gains on sales of securities and acquisition
Slide 8: Asset Quality
Asset Quality 5 Nonperforming Assets 1.34% 1.76% 1.80% 1.33% NPAs / Assets 0.89% NCOs / Average Loans $0.50 $1.54 $1.44 $0.85 $3.50 NCO in $ ($ in millions) Commercial Loans Outstanding by Concentrations Classified Assets to Total Regulatory Capital CRE = 60% C&I = 37% ($ in millions) Classified Ass
Slide 9: Capital Position Over Time
Capital Position Over Time $17.2mm Share Repurchase (13.0% of 2013 Tier 1 Common) 6 IPO * Paid off Series C preferred stock in January
Slide 10: Loan Portfolio Composition & Growth
Loan Portfolio Composition & Growth Loan Composition 7 Loan Composition Loan Composition 2012 2013 2014 2015 Q2 2016 '12-'15CAGR ($ in 000s) Commercial Real Estate $,366,251 $,341,512 $,364,096 $,397,017 $,413,499 2.7251446328598883E-2 Commercial ,126,771 ,139,365 ,183,100 ,262,032 ,253,468 0.273829
Slide 11: Core Deposit Franchise
Core Deposit Franchise Deposit Portfolio Mix 8 Deposit Portfolio Mix Deposit Composition 2012 2013 2014 2015 Q2 2016 '12-'15CAGR ($ in 000s) Time Deposits $,400,003 $,363,210 $,342,160 $,438,612 $,443,599 3.1190935923231189E-2 Signature Deposits ,593,125 ,584,109 ,639,017 ,777,302 ,753,168 9.4328857
Slide 12: Footprint & Targets
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Slide 13: Appendix
Appendix 10
Slide 14: Non-GAAP Reconciliations Overview
The subsequent tables present non-GAAP reconciliations of the following calculations: Tangible Common Equity (TCE) to Tangible Assets (TA) ratio Tangible Book Value per Common Share Return on average tangible common equity (ROATCE) Efficiency Ratio 11
Slide 15: TCE to TA and Tangible Book Value per Share
TCE to TA and Tangible Book Value per Share 12 Non-GAAP Financial Measures (Unaudited) As of and for the six months ended As of and for the years ended (Dollars in thousands, except per share data) June 30, 2016 December 31,2015 December 31,2014 December 31,2013 December 31,2012 2011 Total stockhold
Slide 16: ROATCE and Efficiency Ratio
ROATCE and Efficiency Ratio 13 Non-GAAP Financial Measures (Unaudited) Years Ended December 31, (Dollars in thousands, except per share data) 2015 2015 2014 2013 2012 2011 Total stockholders’ equity $,167,232 $,167,232 $,117,729 $,139,873 $,138,169 $80,816 Less: preferred stock 16,372 16,372 16,359
Slide 17: Equity Bancshares, Inc.
EQUITY BANCSHARES, INC.
Equity Bancshares — YTD June 2016 Earnings Presentation on 6ix