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Baycom Corp (BCML) SEC Filing 8-K Material Event for the period ending Tuesday, July 24, 2018

Baycom Corp

CIK: 1730984 Ticker: BCML

 

Exhibit 99.1

 

Press Release

 

BayCom Corp Reports 2018 Second Quarter Earnings of $4.3 Million

 

WALNUT CREEK, Calif.--(Business Wire)—BayCom Corp (the “Company”), (NASDAQ:BCML), the holding company for United Business Bank (the “Bank”), announced earnings of $4.3 million, or $0.45 per diluted share, for the second quarter of 2018 compared to $1.5 million, or $0.23 per diluted share, for the second quarter of 2017, and earnings of $4.1 million, or $0.54 per diluted share, for the first quarter of 2018. The increase in earnings during the second quarter of 2018 compared to the same quarter last year was primarily due to increases in net interest income and other non-interest income as a result of two acquisitions in 2017. The second quarter of 2017 net income also was reduced by $2.3 million for merger-related expenses related to our acquisition of First ULB Corp., which, net of tax benefit, reduced net income for the quarter by $0.23 per diluted share. The increase in earnings during the second quarter of 2018 compared to the prior quarter was primarily due to an increase in net interest income resulting from an increase in the average balance of loans outstanding and an increase in other non-interest income, partially offset by higher non-interest expenses. The Company had net income of $8.4 million for the six months ended June 30, 2018, or $0.99 per diluted common share, compared to $2.9 million, or $0.49 per diluted common share, for the six months ended June 30, 2017. Net income for the quarter and six months ended June 30, 2018 increased as a result of a decrease in the effective tax rate compared to the same period in 2017 primarily due to the impact of the Tax Cuts and Jobs Act enacted in December 31, 2017, which lowered the corporate income tax rate from 35% to 21%.

 

The Company completed its initial public offering on May 8, 2018 with the issuance of 3,278,900 shares of common stock at a price to the public of $22.00 per share for net proceeds of approximately $66.8 million. The shares began trading on the Nasdaq Global Select Market on Friday, May 4, 2018, under the ticker symbol “BCML.”

 

Second Quarter 2018 Performance Highlights:

 

·Total assets increased to $1.35 billion at June 30, 2018 compared to $1.16 billion at June 30, 2017 and $1.24 billion at March 31, 2018. The increase was the result of the Plaza Bank merger in 2017 and organic growth.

 

·Loans, net of allowance for loan losses and deferred fees, totaled $908.8 million at June 30, 2018, compared to $854.6 million at June 30, 2017 and $886.2 million at March 31, 2018.

 

·Deposits increased to $1.14 billion at June 30, 2018 compared to $1.03 billion at June 30, 2017 and $1.10 billion at March 31, 2018. Non-interest bearing deposits represented 30.4% of total deposits at June 30, 2018 compared to 30.2% at June 30, 2017 and 29.1% at March 31, 2018.

 

·Non-accrual loans represented 0.10% of total loans as of June 30, 2018, compared to 0.04% June 30, 2017 and 0.03% of total loans as of March 31, 2018.

 

·The Bank remains a “well-capitalized” institution for regulatory capital purposes at June 30, 2018.

 

George J. Guarini, President and Chief Executive Officer of the Company stated, “We are very pleased to report our second quarter earnings, our first earnings results as a public company following our initial public offering and listing on the Nasdaq Global Select Market. The net proceeds and listing of our common stock strengthens us for both organic growth and growth through acquisitions. We are actively looking for new opportunities to continue to expand our geographical market reach, build market penetration, and add value for our clients and increase earnings per share for our shareholders.”

 

 

 

 

Earnings

 

Net interest income increased to $12.6 million for the second quarter of 2018 compared to $9.6 million in the same quarter a year ago and was $12.4 million in the preceding quarter. The increase in net interest income was primarily due to an increase in average interest earning assets largely related to our two bank acquisitions in 2017, partially offset by a decrease in the accretion of purchase accounting adjustments on acquired loans. Average interest earning assets increased $323.7 million or 35.8% for the three months ended June 30, 2018 compared to the same period in 2017, largely due to our two bank acquisitions during 2017. Interest income on loans for the quarters ended June 30, 2018 and June 30, 2017 included $644,000 and $633,000, respectively, in accretion of purchase accounting fair value adjustments on acquired loans including the recognition of revenue from purchase credit impaired loans in excess of discounts, compared to $1.2 million for the quarter ended March 31, 2018. The net discount on these purchased loans was $7.1 million, $9.3 million, and $7.7 million at June 30, 2018, June 30, 2017 and March 31, 2018, respectively.

 

The Company’s net interest margin was 4.11% for the second quarter of 2018 compared to 4.27% for the second quarter a year ago, and 4.28% the preceding quarter. The decrease in net interest margin during the second quarter of 2018 compared to the same quarter a year earlier is the result of a lower yield on loans and an increase in lower yielding cash and investments partially offset by a lower cost of funds. Net interest margin is enhanced by the amortization of acquisition accounting discounts on loans acquired in the acquisitions. Accretion of acquisition accounting discounts on loans and the recognition of revenue from purchase credit impaired loans in excess of discounts increased our net interest margin by 19 basis points, 26 basis points and 41 basis points during the second quarter of 2018, second quarter of 2017, and the first quarter of 2018, respectively. Our average yield on loans for the second quarter of 2018 was 5.40% compared to 5.54% for the same quarter last year. Our average cost of funds for the second quarter of 2018 was 0.57% down from 0.68% for the second quarter of 2017.

 

Non-interest income for the second quarter of 2018 increased $454,000, or 27.9%, to $2.1 million from $1.6 million in the same quarter in 2017, and $357,000, or 20.7%, from $1.7 million in the previous quarter. The increase compared to the prior quarters primarily relates to the recognition of benefits received under two Bank owned life insurance policies.

 

Non-interest expense for the second quarter 2018 totaled $8.7 million, an increase of $268,000, or 3.2%, compared to $8.4 million for the second quarter of 2017, and $533,000, or 6.6%, compared to $8.1 million for the first quarter of 2018. The second quarter of 2018 included $600,000 write-down of acquired office facilities held-for-sale which is reflected in other miscellaneous non-interest expense. The second quarter of 2017 included $2.3 million of merger related expenses associated with our acquisition of First ULB Corp. Non-interest expenses in 2018 compared to prior periods increased primarily due to increased operating expenses resulting from our acquisitions and organic growth in 2017, including an increase in salary and benefits associated with the increased number of employees, an increase in occupancy expense associated with additional branch offices and an increase in data processing charges as a result of higher transaction volume.

 

Loans and Credit Quality

 

Gross loans increased $54.7 million, or 6.4%, to $913.4 million at June 30, 2018, from $858.7 million at June 30, 2017 and increased $22.6 million, or 2.5%, as compared to $890.8 million at March 31, 2018. The increase in loans from the comparable period in 2017 was primarily due to the Plaza Bank merger in the second half of 2017. Higher loan originations during the three months ended June 30, 2018, compared to the three months ended June 30, 2017 and March 31, 2018 also contributed to the increase in gross loans. Loan originations in the second quarter of 2018 were spread throughout our markets with the majority focused in Solano, Contra Costa and San Mateo Counties, with commercial and residential real estate secured loans accounting for the majority of the originations during the quarter. Loan originations for quarter ended June 30, 2018 totaled $42.3 million compared to $28.7 million during the second quarter of 2017 and $29.2 million during the first quarter 2018.

 

Non-accrual loans totaled $932,000, or 0.10% of total loans, compared to $368,000, or 0.04% of total loans, at June 30, 2017 and $229,000, or 0.03% of total loans, at March 31, 2018. The increase in non-accrual loans from a year ago and the prior quarter primarily related to the migration of three loans to non-accrual status. At June 30, 2018, $456,000 of our non-accrual loans are guaranteed by government agencies. At June 30, 2018, accruing loans past due 30 to 89 days totaled $2.7 million compared to $654,000 at June 30, 2017 and $1.6 million at March 31, 2018. At June 30, 2018, accruing loans past due more than 90 days totaled $122,000 compared to none at both June 30, 2017 and March 31, 2018.

 

 

 

 

At June 30, 2018, our allowance for loan losses was $4.6 million, or 0.50% of total loans, compared to $4.1 million, or 0.47% of total loans, at June 30, 2017 and $4.6 million, or 0.52% of total loans, at March 31, 2018. The allowance for loan losses plus the discount recorded on acquired loans totaled $11.7 million, representing 1.28% of total loans at June 30, 2018 compared to $13.3 million or 1.54% of total loans at June 30, 2017 and $12.3 million or 1.36% of total loans at March 31, 2018. Included in the carrying value of loans are net discounts on acquired loans as they are carried at their estimated fair value on the date on which they were acquired. As of June 30, 2018, acquired loans net of their discounts totaled $371.1 million compared to $386.2 million at June 30, 2017 and $378.1 million at March 31, 2018. The provision for loan losses recorded in the second quarter of 2018 totaled $243,000 compared to $144,000 for the same quarter in 2017 and $254 ,000 for the first quarter of 2018.

 

Deposits and Borrowings

 

Deposits totaled of $1.14 billion at June 30, 2018 compared to $1.03 billion at June 30, 2017, and $1.10 billion at March 31, 2018. The increase in deposits from the same quarter a year ago was primarily attributable to the $54.2 million of deposits acquired in connection with our Plaza Bank acquisition in November 2017, and to a slightly lesser extent, organic growth. Non-interest bearing deposits totaled $346.2 million, or 30.4% of total deposits, at June 30, 2018 compared to $311.5 million, or 30.2% of total deposits, at June 30, 2017, and $320.1 million, or 29.1% of total deposits, at March 31, 2018.

 

At June 30, 2018, borrowings totaled $5.4 million compared to $11.4 million at both June 30, 2017 and March 31, 2018. During the second quarter 2018 we repaid $6.0 million in long-term secured borrowings out of the net proceeds from our initial public offering. The $5.4 million of borrowing, net carrying value, at June 30, 2018, is related to junior subordinated debentures assumed in connection with our acquisition of First ULB Corp. in April 2017.

 

Shareholders’ Equity

 

Total shareholders’ equity increased to $193.6 million at June 30, 2018 from $104.0 million at June 30, 2017, and $122.6 million at March 31, 2018. The increase in shareholders’ equity during the second quarter of 2018 compared to the second quarter of 2017 also included, in addition to the common stock issued in our initial public offering of $66.0 million, net of expenses and underwriting commissions, the issuance of common stock totaling $12.0 million in connection with our acquisition of Plaza Bank during the fourth quarter of 2017.

 

About BayCom Corp

 

The Company, through its wholly owned operating subsidiary, United Business Bank, offers a full-range of loans, including SBA, FSA and USDA guaranteed loans, and deposit products and services to businesses and its affiliates in California, Washington and New Mexico. The Bank also offers business escrow services and facilitates tax free exchanges through its Bankers Exchange Division. The Bank is an Equal Housing Lender and a member of FDIC. The Company is traded on the NASDAQ under the symbol “BCML”. For more information, go to www.unitedbusinessbank.com.

 

 

 

 

Forward-Looking Statements

 

This release, as well as other public or shareholder communications released by the Company, may contain forward-looking statements, including, but not limited to, (i) statements regarding the financial condition, results of operations and business of the Company, (ii) statements about the Company’s plans, objectives, expectations and intentions and other statements that are not historical facts and (iii) other statements identified by the words or phrases "will likely result," "are expected to," "will continue," "is anticipated," "estimate," "project," "intends" or similar expressions that are intended to identify "forward-looking statements", within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements are not historical facts but instead are based on current beliefs and expectations of the Company’s management and are inherently subject to significant business, economic and competitive uncertainties and contingencies, many of which are beyond the Company’s control. In addition, these forward-looking statements are subject to assumptions with respect to future business strategies and decisions that are subject to change.

 

The following factors, among others, could cause actual results to differ materially from the anticipated results or other expectations expressed in the forward-looking statements: changes in general economic conditions and conditions within the securities market; legislative and regulatory changes; fluctuations in interest rates; the risks of lending and investing activities, including changes in the level and direction of loan delinquencies and write-offs and changes in estimates of the adequacy of the allowance for loan losses; the Company's ability to access cost-effective funding; fluctuations in real estate values and both residential and commercial real estate market conditions; demand for loans and deposits in the Company's market area; increased competitive pressures; changes in management’s business strategies; changes in the regulatory and tax environments in which the Company operates, including the impact of the "Tax Cuts and Jobs Act" (the "TCA") on the Company's deferred tax asset, and the anticipated impact of the TCA on the Company's future earnings; and other factors described from time to time in the Company’s filings with the Securities and Exchange Commission ("SEC"), including our prospectus filed with the Securities and Exchange Commission pursuant to Rule 424(b) of the Securities Act on May 4, 2018, Quarterly Reports on Form 10-Q and other filings with the SEC that are available on our website at unitedbusinessbank.com and on the SEC's website at www.sec.gov.

 

The factors listed above could materially affect the Company’s financial performance and could cause the Company’s actual results for future periods to differ materially from any opinions or statements expressed with respect to future periods in any current statements.

 

The Company does not undertake - and specifically declines any obligation - to publicly release the result of any revisions which may be made to any forward-looking statements to reflect events or circumstances after the date of such statements or to reflect the occurrence of anticipated or unanticipated events. When considering forward-looking statements, you should keep in mind these risks and uncertainties. You should not place undue reliance on any forward-looking statement, which speaks only as of the date made.

  

 

 

 

FINANCIAL HIGHLIGHTS (UNAUDITED)

(Dollars in thousands, except per share data)

 

   At and for the three months ended   At and for the six months ended 
   June 30,   March 31,   June 30,   June 30,   June 30, 
Selected Financial Ratios and Other Data:  2018   2018   2017   2018   2017 
Performance Ratios:                         
Return on average assets   1.32%   1.31%   0.62%   1.29%   0.71%
Return on average equity   13.34%   13.27%   6.22%   13.40%   6.65%
Yield on earning assets   4.49%   4.67%   4.75%   4.57%   4.68%
Rate paid on interest bearing liabilities   0.57%   0.59%   0.69%   0.58%   0.74%
Interest rate spread   3.92%   4.08%   4.06%   4.00%   3.94%
Net interest margin   4.11%   4.28%   4.27%   4.19%   4.17%
Dividend payout ratio   -    -    -    -    - 
Loan to deposit ratio   80.25%   81.07%   83.23%   80.25%   83.23%
Efficiency ratio   58.95%   57.46%   74.39%   58.95%   74.39%
Charge-offs/(recoveries), net  $243   $(131)  $(5)  $112   $(12)
                          
Per Share Data:                         
Shares outstanding at end of period   10,869,275    7,512,227    6,842,701    10,869,275    6,842,701 
Average diluted shares outstanding   9,467,431    7,512,227    6,421,078    8,495,230    5,949,373 
Diluted earnings per share  $0.45   $0.54   $0.23   $0.99   $0.49 
Book value per share   17.82    16.32    15.20    17.82    15.20 
                          
Asset Quality Data:                         
Non-performing assets to total assets   0.07%   0.02%   0.03%          
Non-performing loans to total loans   0.10%   0.03%   0.04%          
Allowance for loan losses to non-performing loans   493.56%   2008.73%   1107.34%          
Allowance for loan losses to total loans   0.50%   0.52%   0.47%          
Classified assets (graded substandard and doubtful)  $7,906   $8,705   $7,164           
Total accruing loans 30-89 days past due   2,673    1,112    654           
Total loans 90 days past due and still accruing   122    -    -           
                          
Capital Ratios:                         
Tier 1 leverage ratio - Bank   9.46%   9.49%   8.65%          
Common equity tier 1 - Bank   13.46%   13.31%   11.75%          
Tier 1 capital ratio - Bank   13.46%   13.31%   11.75%          
Total capital ratio - Bank   14.00%   13.88%   12.28%          
Equity to total assets at end of period   14.39%   9.87%   9.00%          
                          
Loans:                         
Real estate  $803,192   $782,765   $760,515           
Non-real estate   116,083    115,241    107,093           
Loans held for sale   334    250    -           
Non-accrual loans   932    229    368           
Mark to fair value at acquisition   (7,144)   (7,656)   (9,261)          
Total Loans  $913,397   $890,829   $858,715           
                          
Other Data:                         
Number of full service offices   17    18    18           
Number of full-time equivalent employees   165    158    152           

 

 

 

 

BAYCOM CORP

STATEMENT OF CONDITION (UNAUDITED)

At June 30, 2018, March 31, 2018, and June 30, 2017

(Dollars in thousands)

 

    June 30, 2018     March 31, 2018     June 30, 2017  
Assets                  
Cash and due from banks   $ 318,267     $ 255,551     $ 205,447  
Investments available for sale     64,132       46,159       44,308  
Loans held for sale     334       250       -  
Loans, net of deferred fees     913,063       890,579       858,715  
Allowance for loans losses     (4,600 )     (4,600 )     (4,075 )
Bank premises and equipment, net     7,773       8,279       8,527  
Cash surrender value of Bank owned life insurance policies, net     16,510       17,211       13,026  
Core deposit premium, net     4,194       4,483       4,942  
Goodwill     10,365       10,365       9,126  
Interest receivable and other assets     15,634       13,556       15,927  
Total assets   $ 1,345,672     $ 1,241,833     $ 1,155,943  
                         
Liabilities and Shareholders' Equity                        
Liabilities                        
Deposits                        
Non-interest bearing   $ 346,166     $ 320,104     $ 311,522  
Interest bearing:                        
Transaction accounts and savings     428,245       409,533       376,953  
Premium money market     143,177       149,562       146,784  
Time Deposits     220,580       219,574       196,522  
Total deposits   $ 1,138,168     $ 1,098,773     $ 1,031,781  
Other borrowings     -       6,000       6,000  
Junior subordinated deferred interest debentures, net     5,417       5,402       5,357  
Salary continuation plan     3,206       4,107       3,922  
Interest payable and other liabilities     5,241       4,983       4,865  
Total liabilities   $ 1,152,032     $ 1,119,265     $ 1,051,925  
                         
Shareholders' Equity                        
                         
Common stock, no par value   $ 148,809     $ 81,740     $ 69,394  
Retained earnings     45,185       40,897       34,522  
Accumulated other comprehensive (loss) income     (354 )     (69 )     102  
Total shareholders' equity     193,640       122,568       104,018  
Total liabilities and shareholders' equity   $ 1,345,672     $ 1,241,833     $ 1,155,943  

 

 

 

 

BAYCOM CORP

STATEMENTS OF COMPREHENSIVE INCOME (UNAUDITED)

(Dollars in thousands, except earnings per share data)

 

 

   Three months ended   Six months ended 
   June 30,   March 31,   June 30,   June 30,   June 30, 
   2018   2018   2017   2018   2017 
Interest income                         
Interest Income - non-real estate  $1,452   $1,399   $1,305   $2,851   $2,278 
Interest Income - real estate   9,977    9,654    8,130    19,631    13,606 
Interest on investment securities   350    364    481    714    759 
Interest on Federal funds sold and other bank deposits   1,328    907    138    2,235    255 
Mark to market accretion and net fee amortization   644    1,228    663    1,872    1,221 
Total interest income  $13,751   $13,552   $10,717   $27,303   $18,119 
Interest expense                         
Interest on transaction accounts   489    453    466    942    918 
Interest on time deposits   536    526    505    1,062    972 
Interest on borrowings   126    159    101    285    101 
Total interest expense  $1,151   $1,138   $1,072   $2,289   $1,991 
Net interest income   12,600    12,414    9,645    25,014    16,128 
Provision for loan losses   243    254    144    497    287 
Net interest income after provision for loan losses  $12,357   $12,160   $9,501   $24,517   $15,841 
Non-interest income                         
Loan fee income   274    245    253    519    310 
Service charge income   77    87    60    164    108 
Other fees and service charges   392    359    239    751    334 
Gain on sale of loans   548    651    875    1,199    1,275 
Other Income   792    384    202    1,176    338 
Total non-interest income  $2,083   $1,726   $1,629   $3,809   $2,365 
Non-interest expense                         
Salaries and benefits   4,547    4,914    3,947    9,461    7,029 
Occupancy   1,268    975    790    2,243    1,359 
Professional   557    341    461    898    591 
Insurance   107    158    122    265    200 
Data processing   615    708    2,074    1,323    2,434 
Office   329    383    310    712    477 
Marketing   248    211    156    459    211 
Core deposit premium   290    289    213    579    296 
Net loan default expenses   3    41    127    44    178 
Other miscellaneous   692    103    187    795    250 
Total non-interest expense  $8,656   $8,123   $8,387   $16,779   $13,025 
Income before provision for income taxes   5,784    5,763    2,743    11,547    5,181 
Provision for income taxes   1,496    1,694    1,241    3,190    2,263 
Net income  $4,288   $4,069   $1,502   $8,357   $2,918 
Net income per common share:                         
Basic  $0.45   $0.54   $0.23   $0.99   $0.49 
Diluted  $0.45   $0.54   $0.23   $0.99   $0.49 
Weighted average shares used to compute net income per common share:                         
Basic   9,467,431    7,512,227    6,421,078    8,495,230    5,949,373 
Diluted   9,467,431    7,512,227    6,421,078    8,495,230    5,949,373 
                          
Comprehensive income:                         
Net income  $4,288   $4,069   $1,502   $8,357   $2,918 
Other comprehensive income:                         
Change in net unrealized (loss) gain on available-for-sale securities   (405)   (401)   9    (806)   24 
Deferred tax expense (benefit)   120    119    (3)   239    (10)
Other comprehensive (loss) income, net of tax   (285)   (282)   6    (567)   14 
Comprehensive income  $4,003   $3,787   $1,508   $7,790   $2,932 

 

 

 

 

Non-GAAP Financial Measures:

 

In addition to results presented in accordance with generally accepted accounting principles utilized in the United States (“GAAP”), this earnings release contains the tangible book value per share, a non-GAAP financial measure. Tangible common shareholders’ equity is calculated by excluding intangible assets from shareholders’ equity.  For this financial measure, the Company’s intangible assets are goodwill and core deposit intangibles. Tangible book value per share is calculated by dividing tangible common shareholders’ equity by the number of common shares outstanding. The Company believes that this measure is consistent with the capital treatment by our bank regulatory agencies, which excludes intangible assets from the calculation of risk-based capital ratios and presents this measure to facilitate comparison of the quality and composition of the Company's capital over time and in comparison to its competitors. Non-GAAP financial measures have inherent limitations, are not required to be uniformly applied, and are not audited. Further, this non-GAAP financial measure of tangible book value per share should not be considered in isolation or as a substitute for book value per share or total shareholders' equity determined in accordance with GAAP and may not be comparable to a similarly titled measure reported by other companies.

 

Reconciliation of the GAAP and non-GAAP financial measure is presented below.

 

   Non-GAAP Measures 
   (Dollars in Thousands) 
   June 30,   March 31,   June 30, 
   2018   2018   2017 
Non-GAAP Data:               
Total common shareholders' equity  $193,640   $122,568   $104,018 
less: Goodwill and other intangibles   14,559    14,848    14,068 
Tangible common shareholders' equity  $179,081   $107,720   $89,950 
                
Total assets  $1,345,672   $1,241,833   $1,155,943 
less: Goodwill and other intangibles   14,559    14,848    14,068 
Total tangible assets  $1,331,113   $1,226,985   $1,141,875 
                
Tangible equity to tangible assets   13.45%   8.78%   7.88%
Average equity to average assets   9.90%   9.87%   10.03%
Tangible book value per share  $16.48   $14.34   $13.15 

 

BayCom Corp

Keary Colwell, 925-476-1800

kcolwell@ubb-us.com

Source: BayCom Corp

 

 

View differences made from one to another to evaluate Baycom Corp's financial trajectory

Compare SEC Filings Year-over-Year (YoY) and Quarter-over-Quarter (QoQ)
Sample 10-K Year-over-Year (YoY) Comparison

Compare this 8-K Corporate News to its predecessor by reading our highlights to see what text and tables were  removed  ,   added    and   changed   by Baycom Corp.

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Assess how Baycom Corp's management team is paid from their Annual Proxy

Definitive Proxy Statement (Form DEF 14A)
Screenshot example of actual Proxy Statement

Baycom Corp's Definitive Proxy Statement (Form DEF 14A) filed after their 2018 10-K Annual Report includes:

  • Voting Procedures
  • Board Members
  • Executive Team
  • Salaries, Bonuses, Perks
  • Peers / Competitors

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Material Contracts, Statements, Certifications & more

Baycom Corp provided additional information to their SEC Filing as exhibits

Ticker: BCML
CIK: 1730984
Form Type: 8-K Corporate News
Accession Number: 0001144204-18-039569
Submitted to the SEC: Tue Jul 24 2018 12:39:29 PM EST
Accepted by the SEC: Tue Jul 24 2018
Period: Tuesday, July 24, 2018
Industry: State Commercial Banks
Events:
  1. Earnings Release
  2. Financial Exhibit

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