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We have a new name and ticker symbol! First Defiance Financial Corp. is now Premier Financial Corp. We encourage you to update any bookmarks that you have to PremierFinCorp.com and hope you continue to follow our new stock ticker PFC.

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Financial Highlights

Financial Highlights
2020 FQ1 YTD
3/31/2020
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
Balance Sheet ($000)
Total Assets 6,538,942 3,468,992 3,181,722 2,993,403 2,477,597
Total Net Loans 5,113,652 2,764,329 2,518,321 2,332,465 1,924,210
Total Deposits 4,994,148 2,870,325 2,620,882 2,437,656 1,981,628
Equity Attributable to Parent Company 916,843 426,167 399,589 373,286 293,018
Total Equity 916,843 426,167 399,589 373,286 293,018
Profitability (%)
Net Income($000) (22,482) 49,370 46,249 32,268 28,843
Net Income Attributable to Parent($000) (22,482) 49,370 46,249 32,268 28,843
ROAA (1.68) 1.50 1.52 1.13 1.20
Core ROAA (0.93) 1.55 1.52 1.14 1.22
ROAE (11.43) 12.15 12.03 9.19 10.10
ROATCE (15.37) 16.57 16.84 13.04 13.12
Core ROAE (6.32) 12.56 12.07 9.29 10.27
Net Interest Margin 3.76 3.93 3.99 3.87 3.73
Reported: Net Interest Margin 3.78 3.93 3.98 3.88 3.74
Efficiency Ratio 51.98 58.43 59.52 60.61 60.87
Noninterest Inc/ Operating Rev 23.54 27.79 26.42 28.22 29.81
Balance Sheet Ratios (%)
Loans/ Deposits 102.40 96.77 96.92 96.35 97.92
Securities/ Assets 9.53 8.55 9.74 9.30 10.74
Total Equity/ Total Assets 14.02 12.29 12.56 12.47 11.83
Tangible Equity/ Tangible Assets 9.11 9.58 9.63 9.31 9.52
Tang Common Equity/ Tang Assets 9.11 9.58 9.63 9.31 9.52
Asset Quality (%)
NPAs/ Assets 0.62 0.63 1 1.54 1.02
NPA Excl Restructured/ Assets 0.51 0.39 0.64 1.08 0.60
NPAs & 90+ PD/ Assets 0.62 0.63 1 1.54 1.02
NPAs/ Loans & REO 0.78 0.79 1.25 1.95 1.30
Nonaccrual & 90+ & OREO/ Assets 0.51 0.39 0.64 1.08 0.60
NPAs & 90+ PD/ Loans & REO 0.78 0.79 1.25 1.95 1.30
NPA & Loans 90+/ Tangible Common Equity + LLR 6.27 6.23 9.78 15.56 9.91
NCOs/ Avg Loans (0.07) 0 (0.02) 0.10 (0.01)
Loan Loss Reserves/ Gross Loans 1.65 1.12 1.11 1.13 1.33
Reserves/ NPAs 211.40 141.87 89.11 57.99 102.12
Loan Loss Provision/ NCO NM NM NM 137.16 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 556,796 322,813 303,860 274,832 234,809
Tier 1 Capital($000) 591,796 357,813 338,860 309,832 269,809
Tier 2 Capital($000) 66,627 31,243 28,331 26,683 25,884
Total Capital($000) 658,423 389,056 367,191 336,515 295,693
Total Risk-weighted Assets($000) 5,310,922 3,044,456 2,763,094 2,635,472 2,246,851
Tier 1 Common Capital (CET1) Ratio(%) 10.48 10.60 11 10.43 10.45
Tier 1 Ratio(%) 11.14 11.75 12.26 11.76 12.01
Total Capital Ratio(%) 12.40 12.78 13.29 12.77 13.16
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.85 10.78 11.14 10.80 11.24
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 37,286,574 19,729,886 20,171,392 20,312,082 17,966,412
Avg Diluted Shares(actual) 31,666,000 19,931,000 20,468,000 20,056,000 18,070,000
Basic Book Value per Share 24.59 21.60 19.81 18.38 16.31
Book Value per Share, As Reported 24.58 21.60 19.81 18.38 16.31
Basic Tangible Book Value per Share 15.12 16.34 14.71 13.24 12.80
Tangible Book Value per Share, As Reported 15.11 16.34 14.71 13.24 12.80
Common Dividends Declared per Share 0.22 0.79 0.64 0.50 0.44
EPS after Extra (0.71) 2.48 2.26 1.61 1.60
EPS after Extra Growth(%) NM 9.70 40.40 0.60 13.50
Core EPS (0.39) 2.56 2.27 1.63 1.63
Core EPS Growth(%) NM 13.10 39.20 0 13.60
Diluted EPS before Amortization (0.67) 2.54 2.32 1.67 1.63
Pre-Provision Earnings per Share 0.68 2.56 2.20 1.64 1.52
Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.