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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

 

 

FORM 10-Q

 

QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

FOR THE QUARTERLY PERIOD ENDED March 31, 2021

OR

TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

FOR THE TRANSITION PERIOD FROM              TO

COMMISSION FILE NUMBER: 001-37585

 

Allegiance Bancshares, Inc.

(Exact name of registrant as specified in its charter)

 

 

Texas

26-3564100

(State or other jurisdiction

of incorporation or organization)

(I.R.S. Employer

Identification No.)

8847 West Sam Houston Parkway, N., Suite 200

Houston, Texas 77040

(Address of principal executive offices, including zip code)

(281) 894-3200

(Registrant’s telephone number, including area code)

 

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, par value, $1.00 per share

 

ABTX

 

NASDAQ Global Market

 

Securities registered pursuant to Section 12(g) of the Act:  None

 

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.    Yes     No 

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§ 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).    Yes      No  

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company or an emerging growth company. See definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting,” and “emerging growth company” in Rule 12b-2 of the Exchange Act:

 

Large accelerated filer

 

Accelerated filer

 

 

 

 

 

Non-accelerated filer

Smaller reporting company

 

 

 

 

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.

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).      Yes      No  

As of April 27, 2021, the registrant had 20,183,015 shares common stock, $1.00 par value per share, outstanding.

 

 


 

 

 

ALLEGIANCE BANCSHARES, INC.

INDEX TO FORM 10-Q

March 31, 2021

PART I—FINANCIAL INFORMATION

 

 

 

 

Item 1.

Interim Consolidated Financial Statements

3

 

Consolidated Balance Sheets (unaudited)

3

 

Consolidated Statements of Income (unaudited)

4

 

Consolidated Statements of Comprehensive Income (unaudited)

5

 

Consolidated Statements of Changes in Shareholders' Equity (unaudited)

6

 

Consolidated Statements of Cash Flows (unaudited)

7

 

Condensed Notes to Interim Consolidated Financial Statements (unaudited)

8

Item 2.

Management’s Discussion and Analysis of Financial Condition and Results of Operations

32

Item 3.

Quantitative and Qualitative Disclosures about Market Risk

55

Item 4.

Controls and Procedures

56

 

 

PART II—OTHER INFORMATION

 

 

 

 

Item 1.

Legal Proceedings

57

Item 1A.

Risk Factors

57

Item 2.

Unregistered Sales of Equity Securities and Use of Proceeds

57

Item 3.

Defaults upon Senior Securities

57

Item 4.

Mine Safety Disclosures

57

Item 5.

Other Information

57

Item 6.

Exhibits

58

Signatures

59

 

 

 

2


Table of Contents

 

PART I—FINANCIAL INFORMATION

ITEM 1. INTERIM CONSOLIDATED FINANCIAL STATEMENTS

ALLEGIANCE BANCSHARES, INC.

CONSOLIDATED BALANCE SHEETS

(Unaudited)

 

 

 

March 31,

 

 

December 31,

 

 

 

2021

 

 

2020

 

 

 

(Dollars in thousands, except share data)

 

ASSETS

 

 

 

 

 

 

 

 

Cash and due from banks

 

$

141,947

 

 

$

122,897

 

Interest-bearing deposits at other financial institutions

 

 

482,383

 

 

 

299,869

 

Total cash and cash equivalents

 

 

624,330

 

 

 

422,766

 

Available for sale securities, at fair value

 

 

787,516

 

 

 

772,890

 

Loans held for investment

 

 

4,659,169

 

 

 

4,491,764

 

Less: allowance for credit losses on loans

 

 

(52,758

)

 

 

(53,173

)

Loans, net

 

 

4,606,411

 

 

 

4,438,591

 

Accrued interest receivable

 

 

38,632

 

 

 

40,053

 

Premises and equipment, net

 

 

66,115

 

 

 

70,685

 

Other real estate owned

 

 

576

 

 

 

9,196

 

Federal Home Loan Bank stock

 

 

7,775

 

 

 

7,756

 

Bank owned life insurance

 

 

27,825

 

 

 

27,686

 

Goodwill

 

 

223,642

 

 

 

223,642

 

Core deposit intangibles, net

 

 

17,130

 

 

 

17,954

 

Other assets

 

 

31,038

 

 

 

18,909

 

TOTAL ASSETS

 

$

6,430,990

 

 

$

6,050,128

 

LIABILITIES AND SHAREHOLDERS’ EQUITY

 

 

 

 

 

 

 

 

LIABILITIES:

 

 

 

 

 

 

 

 

Deposits:

 

 

 

 

 

 

 

 

Noninterest-bearing

 

$

1,914,121

 

 

$

1,704,567

 

Interest-bearing

 

 

 

 

 

 

 

 

Demand

 

 

480,710

 

 

 

437,328

 

Money market and savings

 

 

1,617,823

 

 

 

1,499,938

 

Certificates and other time

 

 

1,361,535

 

 

 

1,346,649

 

Total interest-bearing deposits

 

 

3,460,068

 

 

 

3,283,915

 

Total deposits

 

 

5,374,189

 

 

 

4,988,482

 

Accrued interest payable

 

 

3,862

 

 

 

2,701

 

Borrowed funds

 

 

147,517

 

 

 

155,515

 

Subordinated debt

 

 

108,453

 

 

 

108,322

 

Other liabilities

 

 

36,432

 

 

 

36,439

 

Total liabilities

 

 

5,670,453

 

 

 

5,291,459

 

COMMITMENTS AND CONTINGENCIES (See Note 14)

 

 

 

 

 

 

 

 

SHAREHOLDERS’ EQUITY:

 

 

 

 

 

 

 

 

Preferred stock, $1 par value; 1,000,000 shares authorized; no

   shares issued or outstanding

 

 

 

 

 

 

Common stock, $1 par value; 80,000,000 shares authorized; 20,182,971 shares

   issued and outstanding at March 31, 2021 and 20,208,323 shares issued

   and outstanding at December 31, 2020

 

 

20,183

 

 

 

20,208

 

Capital surplus

 

 

505,307

 

 

 

508,794

 

Retained earnings

 

 

210,834

 

 

 

195,236

 

Accumulated other comprehensive income

 

 

24,213

 

 

 

34,431

 

Total shareholders’ equity

 

 

760,537

 

 

 

758,669

 

TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY

 

$

6,430,990

 

 

$

6,050,128

 

 

See condensed notes to interim consolidated financial statements.

 

3


Table of Contents

 

ALLEGIANCE BANCSHARES, INC.

CONSOLIDATED STATEMENTS OF INCOME

(Unaudited)

 

Three Months Ended March 31,

 

 

2021

 

 

2020

 

 

(Dollars in thousands, except per share data)

 

INTEREST INCOME:

 

 

 

 

 

 

 

Loans, including fees

$

57,991

 

 

$

54,624

 

Securities:

 

 

 

 

 

 

 

Taxable

 

2,402

 

 

 

2,087

 

Tax-exempt

 

2,394

 

 

 

546

 

Deposits in other financial institutions

 

41

 

 

 

195

 

Total interest income

 

62,828

 

 

 

57,452

 

INTEREST EXPENSE:

 

 

 

 

 

 

 

Demand, money market and savings deposits

 

1,484

 

 

 

4,364

 

Certificates and other time deposits

 

3,665

 

 

 

6,084

 

Borrowed funds

 

539

 

 

 

506

 

Subordinated debt

 

1,442

 

 

 

1,473

 

Total interest expense

 

7,130

 

 

 

12,427

 

NET INTEREST INCOME

 

55,698

 

 

 

45,025

 

         Provision for credit losses

 

639

 

 

 

10,990

 

Net interest income after provision for credit losses

 

55,059

 

 

 

34,035

 

NONINTEREST INCOME:

 

 

 

 

 

 

 

Nonsufficient funds fees

 

83

 

 

 

169

 

Service charges on deposit accounts

 

388

 

 

 

457

 

Gain on sale of securities

 

49

 

 

 

194

 

Loss on sale of other real estate and

   other repossessed assets

 

(176

)

 

 

(69

)

Bank owned life insurance income

 

139

 

 

 

151

 

Rebate from correspondent bank

 

132

 

 

 

493

 

Other

 

1,121

 

 

 

1,330

 

Total noninterest income

 

1,736

 

 

 

2,725

 

NONINTEREST EXPENSE:

 

 

 

 

 

 

 

Salaries and employee benefits

 

22,452

 

 

 

19,781

 

Net occupancy and equipment

 

2,390

 

 

 

1,907

 

Depreciation

 

1,034

 

 

 

866

 

Data processing and software amortization

 

2,200

 

 

 

1,826

 

Professional fees

 

789

 

 

 

573

 

Regulatory assessments and FDIC insurance

 

807

 

 

 

632

 

Core deposit intangibles amortization

 

824

 

 

 

990

 

Communications

 

321

 

 

 

417

 

Advertising

 

298

 

 

 

521

 

Other real estate expense

 

113

 

 

 

2,649

 

Other

 

3,691

 

 

 

2,239

 

Total noninterest expense

 

34,919

 

 

 

32,401

 

INCOME BEFORE INCOME TAXES

 

21,876

 

 

 

4,359

 

Provision for income taxes

 

3,866

 

 

 

843

 

NET INCOME

$

18,010

 

 

$

3,516

 

EARNINGS PER SHARE:

 

 

 

 

 

 

 

Basic

$

0.89

 

 

$

0.17

 

Diluted

$

0.89

 

 

$

0.17

 

DIVIDENDS PER SHARE

$

0.12

 

 

$

0.10

 

See condensed notes to interim consolidated financial statements.

 

4


Table of Contents

 

ALLEGIANCE BANCSHARES, INC.

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME

(Unaudited)

 

 

 

Three Months Ended March 31,

 

 

 

2021

 

 

2020

 

 

 

(Dollars in thousands)

 

Net income

 

$

18,010

 

 

$

3,516

 

Other comprehensive (loss) income:

 

 

 

 

 

 

 

 

Unrealized (loss) gain on securities:

 

 

 

 

 

 

 

 

Change in unrealized holding (loss) gain on

   available for sale securities during the period

 

 

(14,710

)

 

 

3,466

 

Reclassification of gain realized through the sale

   of securities

 

 

(49

)

 

 

(194

)

Change in fair value of cash flow hedge

 

 

1,824

 

 

 

 

Total other comprehensive (loss) income

 

 

(12,935

)

 

 

3,272

 

Deferred tax expense related to other comprehensive

   income

 

 

2,717

 

 

 

(686

)

Other comprehensive (loss) income, net of tax

 

 

(10,218

)

 

 

2,586

 

Comprehensive income

 

$

7,792

 

 

$

6,102

 

 

See condensed notes to interim consolidated financial statements.

 

5


Table of Contents

 

ALLEGIANCE BANCSHARES, INC.

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS’ EQUITY

(Unaudited)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Accumulated

 

 

 

 

 

 

 

Common Stock

 

 

Capital

 

 

Retained

 

 

Other Comprehensive

 

 

Total Shareholders’

 

 

 

Shares

 

 

Amount

 

 

Surplus

 

 

Earnings

 

 

Income (Loss)

 

 

Equity

 

 

 

(Dollars in thousands, except share data)

 

BALANCE AT DECEMBER 31, 2019

 

 

20,523,816

 

 

$

20,524

 

 

$

521,066

 

 

$

163,375

 

 

$

4,900

 

 

$

709,865

 

Net income

 

 

 

 

 

 

 

 

 

 

 

 

 

 

3,516

 

 

 

 

 

 

 

3,516

 

Other comprehensive income

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

2,586

 

 

 

2,586

 

Cash dividends declared, $0.10 per share

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(2,033

)

 

 

 

 

 

 

(2,033

)

Common stock issued in connection

   with the exercise of stock options

   and restricted stock awards

 

 

75,638

 

 

 

75

 

 

 

1,082

 

 

 

 

 

 

 

 

 

 

 

1,157

 

Repurchase of common stock

 

 

(244,334

)

 

 

(244

)

 

 

(9,058

)

 

 

 

 

 

 

 

 

 

 

(9,302

)

Stock based compensation expense

 

 

 

 

 

 

 

 

 

 

804

 

 

 

 

 

 

 

 

 

 

 

804

 

BALANCE AT MARCH 31, 2020

 

 

20,355,120

 

 

$

20,355

 

 

$

513,894

 

 

$

164,858

 

 

$

7,486

 

 

$

706,593

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

BALANCE AT DECEMBER 31, 2020

 

 

20,208,323

 

 

$

20,208

 

 

$

508,794

 

 

$

195,236

 

 

$

34,431

 

 

$

758,669

 

Net income

 

 

 

 

 

 

 

 

 

 

 

 

 

 

18,010

 

 

 

 

 

 

 

18,010

 

Other comprehensive loss

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(10,218

)

 

 

(10,218

)

Cash dividends declared, $0.12 per share

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(2,412

)

 

 

 

 

 

 

(2,412

)

Common stock issued in connection

   with the exercise of stock options

   and restricted stock awards

 

 

135,854

 

 

 

136

 

 

 

1,191

 

 

 

 

 

 

 

 

 

 

 

1,327

 

Repurchase of common stock

 

 

(161,206

)

 

 

(161

)

 

 

(5,498

)

 

 

 

 

 

 

 

 

 

 

(5,659

)

Stock based compensation expense

 

 

 

 

 

 

 

 

 

 

820

 

 

 

 

 

 

 

 

 

 

 

820

 

BALANCE AT MARCH 31, 2021

 

 

20,182,971

 

 

$

20,183

 

 

$

505,307

 

 

$

210,834

 

 

$

24,213

 

 

$

760,537

 

See condensed notes to interim consolidated financial statements.

 

6


Table of Contents

 

ALLEGIANCE BANCSHARES, INC.

CONSOLIDATED STATEMENTS OF CASH FLOWS

(Unaudited)

 

 

 

Three Months Ended March 31,

 

 

 

2021

 

 

2020

 

 

 

(Dollars in thousands)

 

CASH FLOWS FROM OPERATING ACTIVITIES:

 

 

 

 

 

 

 

 

Net income

 

$

18,010

 

 

$

3,516

 

Adjustments to reconcile net income to net cash provided by operating activities:

 

 

 

 

 

 

 

 

Depreciation and core deposit intangibles amortization

 

 

1,858

 

 

 

1,856

 

Provision for credit losses

 

 

639

 

 

 

10,990

 

Deferred income tax benefit

 

 

(1,899

)

 

 

(2,250

)

Net amortization of premium on investments

 

 

1,471

 

 

 

506

 

Excess tax benefit from stock based compensation

 

 

(251

)

 

 

(25

)

Bank owned life insurance income

 

 

(139

)

 

 

(151

)

Net accretion of discount on loans

 

 

(97

)