Equity Bancshares, Inc. · NYSE:EQBK
Equity Bancshares — FY2015 Earnings Presentation
16 slides from Equity Bancshares's earnings presentation, Jan 28, 2016
Slide 1: 2015 Results Presentation
2015 Results Presentation January 29, 2016 Exhibit 99.2
Slide 2: Forward Looking Statements
Forward Looking Statements This presentation has been prepared by Equity Bancshares, Inc. (“Equity or EQBK” or the “Company”) solely for informational purposes based on its own information, as well as information from public sources. This presentation has been prepared to assist interested parties i
Slide 3: 2015 Q4 Highlights
$2.7 million net income allocable to common stockholders 15% growth over Q3, 2014 1 Record 2015 net income allocable to common stockholders of $10.1 million 2015 Net Interest Margin of 3.65% Year over year earnings growth of 22% $90 million in loans $87 million in deposits, $60 million in “Signature
Slide 4: Tangible Common Book Value and Asset Growth
Tangible Common Book Value 2 Tangible Common Book Value per Share and Asset Growth 2011: TARP repayment and additional capital raised from SBLF program. Completion of 4 branch purchases from Citizens Bank and Trust. 2012: Completion of FCB acquisition. $20.4MM capital raised to fund FCB. 2014: Repur
Slide 5: EPS & ROATCE
EPS & ROATCE Diluted EPS and Net Income to Common Return on Average Tangible Common Equity 51% annual EPS growth rate from 2011 to 2015 3
Slide 6: Revenue & Efficiency Ratio
Revenue & Efficiency Ratio Efficiency Ratio & NIE/Average Assets Income and Margin 4 91% 84% 85% 84% 84% 9% 16% 15% 16% 16% $19,717 $30,393 $48,627 $49,049 $55,308
Slide 7: 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 = 58% C&I = 39% ($ in millions) Classified Ass
Slide 8: Capital Position Over Time
Capital Position Over Time $17.2mm Share Repurchase (13.0% of 2013 Tier 1 Common) 6 IPO
Slide 9: Loan Portfolio Composition & Growth
Loan Portfolio Composition & Growth Loan Composition 7 Deposit Portfolio Mix Deposit Composition 2011 2012 2013 2014 2015 '11-'15CAGR ($ in 000s) Time Deposits $,227,022 $,400,003 $,363,210 $,342,160 $,438,612 0.17897105003543534 Signature Deposits ,252,388 ,593,125 ,584,109 ,639,017 ,777,302 0.3247
Slide 10: Core Deposit Franchise
Core Deposit Franchise Deposit Portfolio Mix 8 Deposit Portfolio Mix Deposit Composition 2011 2012 2013 2014 2015 '11-'15CAGR ($ in 000s) Time Deposits $,227,022 $,400,003 $,363,210 $,342,160 $,438,612 0.17897105003543534 Signature Deposits ,252,388 ,593,125 ,584,109 ,639,017 ,777,302 0.324738843573
Slide 11: Footprint & Targets
Footprint & Targets NEBRASKA $20 a chara '$300mm - $600mm (56) A Tee sz Se00nm $1.5 8) © Equity Branches (29)
Slide 12: Appendix
Appendix 10
Slide 13: 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 14: TCA to TA and Tangible Book Value per Share
TCA to TA and Tangible Book Value per Share 12 Non-GAAP Financial Measures (Unaudited) Years Ended December 31, (Dollars in thousands, except per share data) 2015 2014 2013 2012 2011 Total stockholders’ equity $,167,232 $,117,729 $,139,873 $,138,169 $80,816 Less: preferred stock 16,372 16,359 31,892
Slide 15: TCA to TA and Tangible Book Value per Share
TCA to TA and Tangible Book Value per Share 13 Non-GAAP Financial Measures (Unaudited) Years Ended December 31, (Dollars in thousands, except per share data) 2015 2014 2013 2012 2011 Total stockholders’ equity $,167,232 $,117,729 $,139,873 $,138,169 $80,816 Less: preferred stock 16,372 16,359 31,892
Slide 16: Equity Bancshares, Inc.
EQUITY BANCSHARES, INC.