0001437749-22-009486 8-K 14 20220421 2.02 8.01 9.01 20220422 20220422 Investar Holding Corp 0001602658 6022 271560715 LA 1231 8-K 34 001-36522 22844610 10500 COURSEY BLVD THIRD FLOOR BATON ROUGE LA 70816 225-227-2222 10500 COURSEY BLVD THIRD FLOOR BATON ROUGE LA 70816 8-K 1 istr20220316_8k.htm FORM 8-K istr20220316_8k.htm
false 0001602658 0001602658 2022-04-21 2022-04-21
 

 
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
 

 
FORM 8-K
 
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
 
Date of report (Date of earliest event reported): April 21, 2022
 

 
Investar Holding Corporation
(Exact name of registrant as specified in its charter)
 

 
Louisiana
001-36522
27-1560715
(State or other jurisdiction
of incorporation)
(Commission
File Number)
(I.R.S. Employer
Identification No.)
 
10500 Coursey Blvd.
Baton Rouge, Louisiana 70816
(Address of principal executive offices) (Zip Code)
 
Registrants telephone number, including area code: (225) 227-2222
 

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):
 
 
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
     
 
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
     
 
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
     
 
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
 
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, $1.00 par value per share
ISTR
The Nasdaq Global Market
 
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
 
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. ☐
 

 
 

 
Item 2.02
Results of Operations and Financial Condition
 
On April 21, 2022, Investar Holding Corporation (the “Company”), the holding company of Investar Bank, National Association (the “Bank”), issued a press release reporting first quarter 2022 results. A copy of the press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K.
 
The information contained in Item 2.02, including Exhibit 99.1 of this Current Report, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act except as shall be expressly set forth by specific reference in such a filing.
 
Item 8.01
Other Events
 
On April 21, 2022, the Company announced that its Board of Directors had authorized an additional 400,000 shares of the Company's common stock for repurchase by the Company under its share repurchase program. 
 
Item 9.01
Financial Statements and Exhibits.
 
(d) Exhibits
 
Exhibit Number
 
Description of Exhibit
99.1
 
104
 
The cover page of Investar Holding Corporation’s Form 8-K is formatted in Inline XBRL.
 
 

 
SIGNATURES
 
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
 
 
INVESTAR HOLDING CORPORATION
     
Date: April 22, 2022
By:
/s/ John J. D’Angelo
   
John J. D’Angelo
   
President and Chief Executive Officer
 
 
EX-99.1 2 ex_348109.htm EXHIBIT 99.1 ex_348109.htm

Exhibit 99.1

 

For Immediate Release

 

Investar Holding Corporation Announces Record 2022 First Quarter Results and Additional Authorization under Share Repurchase Program

 

BATON ROUGE, LA / ACCESSWIRE / April 21, 2022 / Investar Holding Corporation (“Investar”) (NASDAQ:ISTR), the holding company for Investar Bank, National Association (the “Bank”), today announced financial results for the quarter ended March 31, 2022. Investar reported record net income of $10.1 million, or $0.97 per diluted common share, for the first quarter of 2022, compared to net income of $6.9 million, or $0.67 per diluted common share, for the quarter ended December 31, 2021, and net income of $5.4 million, or $0.51 per diluted common share, for the quarter ended March 31, 2021.

 

On a non-GAAP basis, core earnings per diluted common share for the first quarter of 2022 were $0.68 compared to $0.56 for the fourth quarter of 2021 and $0.49 for the first quarter of 2021. Core earnings exclude certain non-operating items including, but not limited to, gain on sale of investment securities, change in the fair value of equity securities, swap termination fee income, and acquisition expense (refer to the Reconciliation of Non-GAAP Financial Measures tables for a reconciliation of GAAP to non-GAAP metrics).

 

Investar also announced that the Board of Directors has approved another 400,000 shares of its common stock for repurchase under a stock repurchase program, in addition to 128,444 shares remaining under the current repurchase program. The additional shares authorized for repurchase represent approximately 4% of Investar’s outstanding common stock. Recent stock buyback activity includes 359,138 shares that were repurchased by Investar during the year ended December 31, 2021 at an average price of $19.24 and 77,248 shares that were repurchased by Investar during the first quarter of 2022 at an average price of $19.95. Investar plans to repurchase its shares in open market transactions from time to time or through privately negotiated transactions in accordance with federal securities laws, at Investar’s discretion. The repurchase program, which has no expiration date, may be suspended or terminated at any time.

 

The timing and amount of any share repurchases will depend on a variety of factors, including the trading price of Investar’s common stock, securities laws and other regulatory restrictions, potential alternative uses for capital, and market and economic conditions. Repurchased shares will become treasury shares and may be reissued in connection with Investar’s stock incentive plans, other compensation programs, other transactions, or for other corporate purposes. The repurchase program does not obligate Investar to repurchase any shares and will remain in effect until fully utilized or until modified, suspended or terminated.

 

Investar’s President and Chief Executive Officer John D’Angelo said: 

 

“COVID has created opportunities for the Bank to reevaluate our branch network and how we deliver our products today and in the future. Our management team and board of directors are focused on improving our current banking model. Our customers will have the option to interact with our banking professionals through our online banking platform for all banking needs, including accessing loans and opening deposit accounts. Our digital transformation is progressing as our team continues to roll out new technology while delivering products more efficiently with fewer branches and people. We consolidated two branches in 2021 and will consolidate an additional two branches in the second quarter of 2022. In the first quarter of 2022, we sold one of the branches that closed in 2021 as well as two tracts of land that we held for future branch locations.

 

I am very pleased with our first quarter results. As a result of technology enhancements and branch consolidations, our core noninterest expenses declined in the first quarter. We are beginning to see the benefits of the many changes our management team has put into place over the last two quarters. Our work is not done, and we believe that our team will transition Investar into a more efficient operation generating improved metrics, including our efficiency ratio and return on assets.”

 

First Quarter Highlights

 

 

Return on average assets improved to 1.60% for the quarter ended March 31, 2022 compared to 1.06% and 0.92% for the quarters ended December 31, 2021 and March 31, 2021, respectively. Core return on average assets improved to 1.13% for the quarter ended March 31, 2022 compared to 0.89% for each of the quarters ended December 31, 2021 and March 31, 2021

 

 

Efficiency ratio improved to 55.74% for the quarter ended March 31, 2022 compared to 60.10% and 67.32% for the quarters ended December 31, 2021 and March 31, 2021, respectively. Core efficiency ratio improved to 64.51% for the quarter ended March 31, 2022 compared to 66.54% and 67.35% for the quarters ended December 31, 2021 and March 31, 2021, respectively. 

 

 

Net interest margin increased 18 and 11 basis points to 3.75% for the quarter ended March 31, 2022 compared to 3.57% for the quarter ended December 31, 2021 and 3.64% for the quarter ended March 31, 2021, respectively.

 

 

Cost of deposits decreased five basis points to 0.25% for the quarter ended March 31, 2022 compared to 0.30% for the quarter ended December 31, 2021 and decreased 38 basis points compared to 0.63% for the quarter ended March 31, 2021. Our overall cost of funds decreased four and 35 basis points to 0.48% for the quarter ended March 31, 2022 compared to 0.52% and 0.83% for the quarters ended December 31, 2021 and March 31, 2021, respectively.

 

 

 

Total loans increased $5.4 million, or 0.3%, to $1.88 billion at March 31, 2022, compared to $1.87 billion at December 31, 2021. Excluding PPP loans, total loans increased $15.6 million, or 0.8% (3.4% annualized), to $1.86 billion at March 31, 2022, compared to $1.85 billion at December 31, 2021.

 

 

Total deposits increased $65.7 million, or 3.1%, to $2.19 billion at March 31, 2022, compared to $2.12 billion at December 31, 2021, and increased $176.1 million, or 8.8%, compared to $2.01 billion at March 31, 2021.  

 

 

Noninterest-bearing deposits increased $29.0 million, or 4.9%, to $614.4 million at March 31, 2022, compared to $585.5 million at December 31, 2021 and increased $98.9 million, or 19.2%, compared to $515.5 million at March 31, 2021.  

 

 

Deposit mix improved during the first quarter of 2022. Noninterest-bearing deposits as a percentage of total deposits increased to 28.1% at March 31, 2022 compared to 27.6% at December 31, 2021 and 25.6% at March 31, 2021. Time deposits as a percentage of total deposits decreased to 18.4% at March 31, 2022, compared to 21.1% at December 31, 2021 and 24.6% at March 31, 2021.

 

 

Investar recognized net recoveries of $0.7 million in our loan portfolio during the quarter ended March 31, 2022.

 

 

Investar terminated multiple interest rate swap agreements during the first quarter of 2022 and recognized $3.3 million in swap termination fees, included in noninterest income for the quarter ended March 31, 2022.

 

 

Investar sold two tracts of land that were being held as future branch locations for a total gain on sale of fixed assets of $0.4 million during the quarter ended March 31, 2021. A former branch location, closed in 2021, was also sold from other real estate owned in the first quarter of 2022.

 

Loans

 

Total loans were $1.88 billion at March 31, 2022an increase of $5.4 million, or 0.3%, compared to December 31, 2021, and an increase of $31.5 million, or 1.7%, compared to March 31, 2021.

 

The following table sets forth the composition of the total loan portfolio as of the dates indicated (dollars in thousands).

 

                           

Linked Quarter Change

   

Year/Year Change

   

Percentage of Total Loans

 
   

3/31/2022

   

12/31/2021

   

3/31/2021

   

$

   

%

   

$

   

%

   

3/31/2022

   

3/31/2021

 

Mortgage loans on real estate

                                                                       

Construction and development

  $ 201,222     $ 203,204     $ 190,816     $ (1,982 )     (1.0 )%   $ 10,406       5.5 %     10.7 %     10.3 %

1-4 Family

    367,520       364,307       341,266       3,213       0.9       26,254       7.7       19.6       18.5  

Multifamily

    52,500       59,570       60,844       (7,070 )     (11.9 )     (8,344 )     (13.7 )     2.8       3.3  

Farmland

    18,296       20,128       24,145       (1,832 )     (9.1 )     (5,849 )     (24.2 )     1.0       1.3  

Commercial real estate

                                                                       

Owner-occupied

    436,763       460,205       399,393       (23,442 )     (5.1 )     37,370       9.4       23.3       21.7  

Nonowner-occupied

    471,447       436,172       430,487       35,275       8.1       40,960       9.5       25.1       23.3  

Commercial and industrial

    314,093       310,831       380,534       3,262       1.0       (66,441 )     (17.5 )     16.7       20.6  

Consumer

    15,603       17,595       18,485       (1,992 )     (11.3 )     (2,882 )     (15.6 )     0.8       1.0  

Total loans

    1,877,444       1,872,012       1,845,970       5,432       0.3 %     31,474       1.7 %     100 %     100 %

Loans held for sale

          620             (620 )     (100.0 )                            

Total gross loans

  $ 1,877,444     $ 1,872,632     $ 1,845,970     $ 4,812       0.3 %   $ 31,474       1.7 %                

 

In the second quarter of 2020, the Bank began participating as a lender in the Paycheck Protection Program (“PPP”) as established by the CARES Act. The PPP loans are generally 100% guaranteed by the Small Business Administration (“SBA”), have an interest rate of 1%, and are eligible to be forgiven based on certain criteria, with the SBA remitting any applicable forgiveness amount to the lender. At March 31, 2022, the balance of the Bank’s PPP loans, which is included in the commercial and industrial portfolio, was $13.2 million, compared to $23.3 million at December 31, 2021 and $106.6 million at March 31, 2021. Eighty-seven percent of the total number of PPP loans we have originated have principal balances of $150,000 or less. At March 31, 2022, approximately 92% of the total balance of PPP loans originated have been forgiven by the SBA or paid off by the customer.

At March 31, 2022, Investar’s total business lending portfolio, which consists of loans secured by owner-occupied commercial real estate properties and commercial and industrial loans, was $750.9 million, a decrease of $20.2 million, or 2.6%, compared to the business lending portfolio of $771.0 million at December 31, 2021, and a decrease of $29.1 million, or 3.7%, compared to the business lending portfolio of $779.9 million at March 31, 2021. The decrease in the business lending portfolio compared to December 31, 2021 is primarily driven by the forgiveness of PPP loans and a large prepayment from one of our owner-occupied commercial real estate loan relationships. The decrease in the business lending portfolio compared to March 31, 2021 is primarily driven by the forgiveness of PPP loans.

Consumer loans totaled $15.6 million at March 31, 2022a decrease of $2.0 million, or 11.3%, compared to $17.6 million at December 31, 2021, and a decrease of $2.9 million, or 15.6%, compared to $18.5 million at March 31, 2021. The decrease in consumer loans compared to December 31, 2021 and March 31, 2021 is mainly attributable to scheduled paydowns. The decrease in consumer loans compared to March 31, 2021 was slightly offset by the acquisition of Cheaha Bank (“Cheaha”) on April 1, 2021, which added approximately $6.1 million in consumer loans in the second quarter of 2021.

 

Our loan portfolio includes loans to businesses in certain industries that may be more significantly affected by the pandemic than others. These loans, including loans related to oil and gas, food services, hospitality, and entertainment, represent approximately 5.5% of our total portfolio, or 5.4% excluding PPP loans, at March 31, 2022, compared to 5.6% of our total portfolio, or 5.4% excluding PPP loans, at December 31, 2021 and 6.8% of our total portfolio, or 5.7% excluding PPP loans, at March 31, 2021 as shown in the table below.

 

Industry

 

Percentage of Loan Portfolio March 31, 2022

   

Percentage of Loan Portfolio March 31, 2022 (excluding PPP loans)

   

Percentage of Loan Portfolio December 31, 2021

   

Percentage of Loan Portfolio December 31, 2021 (excluding PPP loans)

   

Percentage of Loan Portfolio March 31, 2021

   

Percentage of Loan Portfolio March 31, 2021 (excluding PPP loans)

 

Oil and gas

    2.0 %     2.0 %     2.2 %     2.1 %     3.2 %     2.4 %

Food services

    2.4       2.3       2.3       2.2       2.8       2.5  

Hospitality

    0.5       0.5       0.5       0.5       0.4       0.4  

Entertainment

    0.6       0.6       0.6       0.6       0.4       0.4  

Total

    5.5 %     5.4 %     5.6 %     5.4 %     6.8 %     5.7 %

 

Credit Quality

 

Nonperforming loans were $25.7 million, or 1.37% of total loans, at March 31, 2022a decrease of $3.8 million compared to $29.5 million, or 1.58% of total loans, at December 31, 2021, and an increase of $10.8 million compared to $14.9 million, or 0.81% of total loans, at March 31, 2021. The increase in nonperforming loans compared to March 31, 2021 is mainly attributable to one loan relationship that became impaired in the third quarter of 2021 and added $15.1 million to the balance of nonperforming loans as of March 31, 2022. Included in nonperforming loans are acquired loans with a balance of $2.1 million at March 31, 2022, or 8% of nonperforming loans.

 

The allowance for loan losses was $21.1 million, or 82.1% and 1.12% of nonperforming and total loans, respectively, at March 31, 2022, compared to $20.9 million, or 70.6% and 1.11%, respectively, at December 31, 2021, and $20.4 million, or 137.3% and 1.11%, respectively, at March 31, 2021

 

We recorded a negative provision for loan losses of $0.4 million for the quarter ended March 31, 2022 compared to provision for loan losses expense of $0.7 million and $0.4 million for the quarters ended December 31, 2021 and March 31, 2021, respectively. The negative provision for loan losses was driven by net recoveries of $0.7 million in the loan portfolio during the quarter ended March 31, 2022.   

 

Deposits

 

Total deposits at March 31, 2022 were $2.19 billion, an increase of $65.7 million, or 3.1%, compared to $2.12 billion at December 31, 2021, and an increase of $176.1 million, or 8.8%, compared to $2.01 billion at March 31, 2021. The increase in deposits compared to December 31, 2021 is due to organic growth. Investar acquired approximately $207.0 million in deposits from Cheaha at the time of acquisition on April 1, 2021. The remaining increase compared to March 31, 2021 is due to organic growth. 

 

The COVID-19 pandemic has created a significant amount of excess liquidity in the market, and, as a result, we have experienced large increases in both noninterest and interest-bearing demand deposits, and in money market deposit accounts and savings accounts compared to December 31, 2021 and March 31, 2021. These increases were primarily driven by reduced spending by consumer and business customers related to the COVID-19 pandemic, and increases in some PPP borrowers’ deposit accounts. We believe these factors may be temporary depending on the future economic effects of the COVID-19 pandemic.

 

Our deposit mix continues to improve and reflects our consistent focus on relationship banking and growing our commercial relationships, as well as the effects of the pandemic on consumer and business spending. Noninterest-bearing deposits as a percentage of total deposits has increased while time deposits as a percentage of total deposits has decreased. 

 

The following table sets forth the composition of deposits as of the dates indicated (dollars in thousands).

 

                                                           

Percentage of

 
                           

Linked Quarter Change

   

Year/Year Change

   

Total Deposits

 
   

3/31/2022

   

12/31/2021

   

3/31/2021

   

$

   

%

   

$

   

%

   

3/31/2022

   

3/31/2021

 

Noninterest-bearing demand deposits

  $ 614,416     $ 585,465     $ 515,487     $ 28,951       4.9 %   $ 98,929       19.2 %     28.1 %     25.6 %

Interest-bearing demand deposits

    710,914       650,868       564,128       60,046       9.2       146,786       26.0       32.5       28.1  

Brokered deposits

                80,015                   (80,015 )     (100.0 )           4.0  

Money market deposit accounts

    276,112       255,501       200,744       20,611       8.1       75,368       37.5       12.6       10.0  

Savings accounts

    182,532       180,837       154,131       1,695       0.9       28,401       18.4       8.4       7.7  

Time deposits

    402,030       447,595       495,375       (45,565 )     (10.2 )     (93,345 )     (18.8 )     18.4       24.6  

Total deposits

  $ 2,186,004     $ 2,120,266     $ 2,009,880     $ 65,738       3.1 %   $ 176,124       8.8 %     100.0 %     100.0 %

 

Net Interest Income

 

Net interest income for the first quarter of 2022 totaled $21.8 million, an increase of $0.4 million, or 1.6%, compared to the fourth quarter of 2021, and an increase of $2.2 million, or 11.1%, compared to the first quarter of 2021. Included in net interest income for the quarters ended March 31, 2022, December 31, 2021 and March 31, 2021 is $0.2 million, $0.2 million, and $0.1 million, respectively, of interest income accretion from the acquisition of loans. Also included in net interest income for the quarters ended March 31, 2022December 31, 2021 and March 31, 2021 are interest recoveries of $0.2 million, $0.1 million, and $17,000, respectively.

 

 

 

Investar’s net interest margin was 3.75% for the quarter ended March 31, 2022, compared to 3.57% for the quarter ended December 31, 2021 and 3.64% for the quarter ended March 31, 2021. The increase in net interest margin for the quarter ended March 31, 2022 compared to the quarter ended December 31, 2021 was driven by a five basis point increase in the yield on our loan portfolio and a 23 basis point increase in yield on our securities portfolio, together resulting in a 15 basis point increase in the yield on interest-earning assets. The increase in net interest margin for the quarter ended March 31, 2022 compared to the quarter ended March 31, 2021 was driven by a 38 basis point decrease in the cost of deposits partially offset by a 16 basis point decrease in the yield on interest-earning assets.

 

The yield on interest-earning assets was 4.10% for the quarter ended March 31, 2022, compared to 3.95% for the quarter ended December 31, 2021 and 4.26% for the quarter ended March 31, 2021. The increase in the yield on interest-earning assets compared to the quarter ended December 31, 2021 was primarily attributable to prepayment penalty fees of $0.6 million recognized as loan fees during the quarter ended March 31, 2022 as one of our large commercial loan relationships prepaid. The prepayment penalties added 12 basis points to the yield on the loan portfolio. We also had a 23 basis point increase in the yield on our securities portfolio compared to the quarter ended December 31, 2021. The decrease in the yield on interest-earning assets compared to the quarter ended March 31, 2021 was driven by excess liquidity and a 75 basis point reduction in the yield earned on the excess funds.

 

Exclusive of PPP loans, which had an average balance of $19.5 million and related interest and fee income of $0.4 million for the quarter ended March 31, 2022, compared to an average balance of $33.2 million and related interest and fee income of $1.0 million for the quarter ended December 31, 2021 and an average balance of $97.3 million and related interest and fee income of $1.4 million for the quarter ended March 31, 2021, adjusted net interest margin was 3.71% for the quarter ended March 31, 2022, compared to an adjusted net interest margin of 3.46% for the quarter ended December 31, 2021 and 3.54% for the quarter ended March 31, 2021. Included in PPP interest and fee income for the quarters ended March 31, 2022December 31, 2021, and March 31, 2021 is $0.3 million, $0.8 million, and $0.7 million, respectively, of accelerated fee income recognized due to the forgiveness or pay-off of PPP loans. Refer to the Reconciliation of Non-GAAP Financial Measures table for a reconciliation of GAAP to non-GAAP metrics.

 

Exclusive of the interest income accretion from the acquisition of loans, interest recoveries, accelerated fee income recognized due to the forgiveness or pay-off of PPP loans, and the $0.6 million of prepayment penalty fees recognized during the first quarter of 2022, all discussed above, adjusted net interest margin increased to 3.53% for the quarter ended March 31, 2022, compared to 3.38% for the quarter ended December 31, 2021, and 3.49% for the quarter ended March 31, 2021. The adjusted yield on interest-earning assets was 3.88% for the quarter ended March 31, 2022 compared to 3.76% and 4.10% for the quarters ended December 31, 2021 and March 31, 2021, respectively. Refer to the Reconciliation of Non-GAAP Financial Measures table for a reconciliation of GAAP to non-GAAP metrics.

 

The cost of deposits decreased five basis points to 0.25% for the quarter ended March 31, 2022 compared to 0.30% for the quarter ended December 31, 2021 and decreased 38 basis points compared to 0.63% for the quarter ended March 31, 2021. The decrease in the cost of deposits compared to the quarter ended December 31, 2021 and March 31, 2021 reflects the decrease in rates paid for all categories of interest-bearing deposits, with the exception of brokered deposits when compared to December 31, 2021. The Bank uses brokered deposits to satisfy the required borrowings under its interest rate swap agreements, due to more favorable pricing. As of March 31, 2022 and December 31, 2021, there was no balance of brokered deposits. The average brokered deposit balance during the quarter ended March 31, 2022 related to swap agreements that were terminated during the quarter.

 

The overall costs of funds for the quarter ended March 31, 2022 decreased four basis points to 0.48% compared to 0.52% for the quarter ended December 31, 2021 and decreased 35 basis points compared to 0.83% for the quarter ended March 31, 2021. The decrease in the cost of funds for the quarter ended March 31, 2022 compared to the quarters ended December 31, 2021 and March 31, 2021 resulted from both lower cost of deposits and lower average balances of short-term borrowings, the costs of which are driven by the Federal Reserve’s federal funds rates. Subsequent to the end of the first quarter of 2022, Investar announced the completion of a private placement of $20.0 million in aggregate principal amount of it 5.125% Fixed-to-Floating Subordinated Notes due 2032 (the “Notes”). Investar expects to utilize the net proceeds from the sale of the Notes to refinance its 2017 issuance of subordinated debt securities, for possible share repurchases and for general corporate purposes. 

 

Noninterest Income

 

Noninterest income for the first quarter of 2022 totaled $5.9 million, an increase of $4.2 million, or 249.0%, compared to the fourth quarter of 2021 and an increase of $3.5 million, or 148.0%, compared to the first quarter of 2021. The increase in noninterest income compared to the quarter ended December 31, 2021 was driven by $3.3 million in swap termination fees and a $0.8 million increase in the gain on sale or disposition of fixed assets. The increase in noninterest income compared to the quarter ended March 31, 2021 is mainly attributable to $3.3 million in swap termination fees, partially offset by a $0.6 million decrease in the gain on sale of investment securities. 

 

Swap termination fees were recorded when Investar voluntarily terminated a number of interest rate swap agreements during the first quarter of 2022 in response to market conditions and as a result of excess liquidity. In the past few years, Investar has entered into multiple forward starting pay-fixed interest rate swap agreements to manage exposure against the variability in expected future cash flows, in anticipation of rising rates. However, the borrowings required by the swap agreements provide excess liquidity and put downward pressure on the yield on our interest-earning assets and net interest margin. We elected to terminate a number of swap contracts that became effective in the first quarter of 2022 or would be effective in the second quarter of 2022 to avoid additional excess liquidity and net interest margin compression. Investar had forward starting interest rate swap contracts with a total notional amount of $60 million as of March 31, 2022.

 

Noninterest Expense

 

Noninterest expense for the first quarter of 2022 totaled $15.4 million, an increase of $1.5 million, or 10.9%, compared to the fourth quarter of 2021, and an increase of $0.6 million, or 4.2%, compared to the first quarter of 2021. The increase in noninterest expense for the quarter ended March 31, 2022 compared to the quarter ended December 31, 2021 was driven by the $1.9 million increase in salaries and employee benefits expense, which resulted from the $1.9 million Employee Retention Credit recognized as a credit to payroll taxes during the quarter ended December 31, 2021. The increase in noninterest expense for the quarter ended March 31, 2022 compared to the quarter ended March 31, 2021 is primarily a result of a $0.4 increase in other operating expenses and $0.3 increase in salaries and employee benefits. The increase in other operating expenses was driven by an increase in collection and repossession expenses, the majority of which is related to one impaired loan relationship. The increase in salaries and employee benefits is primarily attributable to the acquisition of Cheaha on April 1, 2021, which added four branch locations and related staff. 

 

 

 

Taxes

 

Investar recorded an income tax expense of $2.6 million for the quarter ended March 31, 2022, which equates to an effective tax rate of 20.5%an increase from the effective tax rate of 19.1% at December 31, 2021 and a decrease from the effective tax rate of 21.1% for the quarter ended March 31, 2021.

 

Basic and Diluted Earnings Per Common Share

 

Investar reported basic and diluted earnings per common share of $0.98 and $0.97, respectively, for the quarter ended March 31, 2022, compared to basic and diluted earnings per common share of $0.67 for the quarter ended December 31, 2021, and basic and diluted earnings per common share of $0.51 for the quarter ended March 31, 2021.

 

About Investar Holding Corporation

 

Investar, headquartered in Baton Rouge, Louisiana, provides full banking services, excluding trust services, through its wholly-owned banking subsidiary, Investar Bank, National Association. The Bank currently operates 33 branch locations serving Louisiana, Texas, and Alabama. At March 31, 2022, the Bank had 336 full-time equivalent employees and total assets of $2.6 billion.

 

Non-GAAP Financial Measures

 

This press release contains financial information determined by methods other than in accordance with generally accepted accounting principles in the United States of America, or GAAP. These measures and ratios include “tangible common equity,” “tangible assets,” “tangible equity to tangible assets,” “tangible book value per common share,” “core noninterest income,” “core earnings before noninterest expense,” “core noninterest expense,” “core earnings before income tax expense,” “core income tax expense,” “core earnings,” “core efficiency ratio,” “core return on average assets,” “core return on average equity,” “core basic earnings per share,” and “core diluted earnings per share.” We also present certain average loan, yield, net interest income and net interest margin data adjusted to show the effects of excluding PPP loans, accelerated fee income for PPP loans, interest recoveries, interest income accretion from the acquisition of loans, and prepayment penalty fees. Management believes these non-GAAP financial measures provide information useful to investors in understanding Investar’s financial results, and Investar believes that its presentation, together with the accompanying reconciliations, provide a more complete understanding of factors and trends affecting Investar’s business and allow investors to view performance in a manner similar to management, the entire financial services sector, bank stock analysts and bank regulators. These non-GAAP measures should not be considered a substitute for GAAP basis measures and results, and Investar strongly encourages investors to review its consolidated financial statements in their entirety and not to rely on any single financial measure. Because non-GAAP financial measures are not standardized, it may not be possible to compare these financial measures with other companies’ non-GAAP financial measures having the same or similar names. A reconciliation of the non-GAAP financial measures disclosed in this press release to the comparable GAAP financial measures is included at the end of the financial statement tables.

 

 

 

Forward-Looking and Cautionary Statements

 

This press release contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 that reflect Investar’s current views with respect to, among other things, future events and financial performance. Investar generally identifies forward-looking statements by terminology such as “outlook,” “believes,” “expects,” “potential,” “continues,” “may,” “will,” “could,” “should,” “seeks,” “approximately,” “predicts,” “intends,” “plans,” “estimates,” “anticipates,” or the negative version of those words or other comparable words.

 

Any forward-looking statements contained in this press release are based on the historical performance of Investar and its subsidiaries or on Investar’s current plans, estimates and expectations. The inclusion of this forward-looking information should not be regarded as a representation by Investar that the future plans, estimates or expectations by Investar will be achieved. Such forward-looking statements are subject to various risks and uncertainties and assumptions relating to Investar’s operations, financial results, financial condition, business prospects, growth strategy and liquidity. If one or more of these or other risks or uncertainties materialize, or if Investar’s underlying assumptions prove to be incorrect, Investar’s actual results may vary materially from those indicated in these statements. Investar does not undertake any obligation to publicly update or revise any forward-looking statement, whether as a result of new information, future developments or otherwise. A number of important factors could cause actual results to differ materially from those indicated by the forward-looking statements. These factors include, but are not limited to, the following, any one or more of which could materially affect the outcome of future events:

 

 

the significant risks and uncertainties for our business, results of operations and financial condition, as well as our regulatory capital and liquidity ratios and other regulatory requirements in the United States caused by the ongoing COVID-19 pandemic, including but not limited to potential continued higher inflation and supply and labor constraints, which will depend on several factors, including the scope and duration of the pandemic, its continued influence on the economy and financial markets, the impact on market participants on which we rely, and actions taken by governmental authorities and other third parties in response to the pandemic;

 

 

business and economic conditions generally and in the financial services industry in particular, whether nationally, regionally or in the markets in which we operate, including evolving risks to economic activity and our customers posed by the COVID-19 pandemic and government actions taken to address the impact of COVID-19 or contain it, the potential impact of the termination of various pandemic-related government support programs, and the potential impact of legislation under consideration in Congress, which could increase government programs, spending and taxes;

 

 

our ability to achieve organic loan and deposit growth, and the composition of that growth;

 

 

changes (or the lack of changes) in interest rates, yield curves and interest rate spread relationships that affect our loan and deposit pricing, including potential continued increases in interest rates in 2022;

 

 

our ability to identify and enter into agreements to combine with attractive acquisition candidates, finance acquisitions, complete acquisitions after definitive agreements are entered into, and successfully integrate acquired operations;

 

 

cessation of the one-week and two-month U.S. dollar settings of LIBOR as of December 31, 2021 and announced cessation of the remaining U.S. dollar LIBOR settings after June 30, 2023, and the related effect on our LIBOR-based financial products and contracts, including, but not limited to, hedging products, debt obligations, investments and loans;

 

 

the extent of continuing client demand for the high level of personalized service that is a key element of our banking approach as well as our ability to execute our strategy generally;

 

 

our dependence on our management team, and our ability to attract and retain qualified personnel;

 

 

changes in the quality or composition of our loan or investment portfolios, including adverse developments in borrower industries or in the repayment ability of individual borrowers;

 

 

inaccuracy of the assumptions and estimates we make in establishing reserves for probable loan losses and other estimates;

 

 

the concentration of our business within our geographic areas of operation in Louisiana, Texas and Alabama; 

 

 

concentration of credit exposure;

 

 

any deterioration in asset quality and higher loan charge-offs, and the time and effort necessary to resolve problem assets;

 

 

a reduction in liquidity, including as a result of a reduction in the amount of deposits we hold or other sources of liquidity;

 

 

ongoing disruptions in the oil and gas industry due to the significant fluctuations in the price of oil and natural gas;

 

 

data processing system failures and errors;

 

 

cyberattacks and other security breaches; and

 

 

hurricanes (including hurricanes, tropical storms and tropical depressions that have affected the Company’s market areas), floods, winter storms, other natural disasters and adverse weather; oil spills and other man-made disasters; acts of terrorism, an outbreak or intensifying of hostilities including the war in Ukraine or other international or domestic calamities, acts of God and other matters beyond our control.

 

 

 

These factors should not be construed as exhaustive. Additional information on these and other risk factors can be found in Item 1A. “Risk Factors” and in the “Special Note Regarding Forward-Looking Statements” in Item 7. “Management’s Discussion and Analysis of Financial Condition and Results of Operations” in Investar’s Annual Report on Form 10-K for the year ended December 31, 2021 filed with the Securities and Exchange Commission (the “SEC”).

 

For further information contact:

 

Investar Holding Corporation   

Chris Hufft

Chief Financial Officer

(225) 227-2215

Chris.Hufft@investarbank.com

 

 

 

INVESTAR HOLDING CORPORATION

SUMMARY FINANCIAL INFORMATION

(Amounts in thousands, except share data)

(Unaudited)

 

   

As of and for the three months ended

 
   

3/31/2022

   

12/31/2021

   

3/31/2021

   

Linked Quarter

   

Year/Year

 

EARNINGS DATA

                                       

Total interest income

  $ 23,867     $ 23,753     $ 22,969       0.5 %     3.9 %

Total interest expense

    2,046       2,286       3,335       (10.5 )     (38.7 )

Net interest income

    21,821       21,467       19,634       1.6       11.1  

Provision for loan losses

    (449 )     658       400       (168.2 )     (212.3 )

Total noninterest income

    5,866       1,681       2,365       249.0       148.0  

Total noninterest expense

    15,433       13,912       14,809       10.9       4.2  

Income before income taxes

    12,703       8,578       6,790       48.1       87.1  

Income tax expense

    2,600       1,642       1,430       58.3       81.8  

Net income

  $ 10,103     $ 6,936     $ 5,360       45.7       88.5  
                                         

AVERAGE BALANCE SHEET DATA

                                       

Total assets

  $ 2,560,831     $ 2,595,211     $ 2,354,504       (1.3 )%     8.8 %

Total interest-earning assets

    2,358,312       2,385,896       2,185,853       (1.2 )     7.9  

Total loans

    1,862,775       1,885,979       1,857,272       (1.2 )     0.3  

Total interest-bearing deposits

    1,576,643       1,597,556       1,484,515       (1.3 )     6.2  

Total interest-bearing liabilities

    1,712,163       1,734,170       1,623,286       (1.3 )     5.5  

Total deposits

    2,163,199       2,200,718       1,951,046       (1.7 )     10.9  

Total stockholders’ equity

    246,309       241,465       247,236       2.0       (0.4 )
                                         

PER SHARE DATA

                                       

Earnings:

                                       

Basic earnings per common share

  $ 0.98     $ 0.67     $ 0.51       46.3 %     92.2 %

Diluted earnings per common share

    0.97       0.67       0.51       44.8       90.2  

Core Earnings(1):

                                       

Core basic earnings per common share(1)

    0.69       0.56       0.49       23.2       40.8  

Core diluted earnings per common share(1)

    0.68       0.56       0.49       21.4       38.8  

Book value per common share

    22.66       23.45       23.79       (3.4 )     (4.7 )

Tangible book value per common share(1)

    18.41       19.20       20.72       (4.1 )     (11.1 )

Common shares outstanding

    10,310,212       10,343,494       10,436,493       (0.3 )     (1.2 )

Weighted average common shares outstanding - basic

    10,335,334       10,343,467       10,509,468       (0.1 )     (1.7 )

Weighted average common shares outstanding - diluted

    10,405,783       10,413,713       10,567,173       (0.1 )     (1.5 )
                                         

PERFORMANCE RATIOS

                                       

Return on average assets

    1.60 %     1.06 %     0.92 %     50.9 %     73.9 %

Core return on average assets(1)

    1.13       0.89       0.89       27.0       27.0  

Return on average equity

    16.64       11.40       8.79       46.0       89.3  

Core return on average equity(1)

    11.70       9.59       8.50       22.0       37.6  

Net interest margin

    3.75       3.57       3.64       5.0       3.0  

Net interest income to average assets

    3.46       3.28       3.38       5.5       2.4  

Noninterest expense to average assets

    2.44       2.13       2.55       14.6       (4.3 )

Efficiency ratio(2)

    55.74       60.10       67.32       (7.3 )     (17.2 )

Core efficiency ratio(1)

    64.51       66.54       67.35       (3.1 )     (4.2 )

Dividend payout ratio

    8.67       11.94       13.73       (27.4 )     (36.9 )

Net (recoveries) charge-offs to average loans

    (0.04 )     0.02       0.02       (300.0 )     (300.0 )

 

(1) Non-GAAP financial measure. See reconciliation.

(2) Efficiency ratio represents noninterest expenses divided by the sum of net interest income (before provision for loan losses) and noninterest income.

 

 

 

INVESTAR HOLDING CORPORATION

SUMMARY FINANCIAL INFORMATION

(Amounts in thousands, except share data)

(Unaudited)

 

   

As of and for the three months ended

 
   

3/31/2022

   

12/31/2021

   

3/31/2021

   

Linked Quarter

   

Year/Year

 

ASSET QUALITY RATIOS

                                       

Nonperforming assets to total assets

    1.13 %     1.28 %     0.68 %     (11.7 )%     66.2 %

Nonperforming loans to total loans

    1.37       1.58       0.81       (13.3 )     69.1  

Allowance for loan losses to total loans

    1.12       1.11       1.11       0.9       0.9  

Allowance for loan losses to nonperforming loans

    82.09       70.59       137.33       16.3       (40.2 )
                                         

CAPITAL RATIOS

                                       

Investar Holding Corporation:

                                       

Total equity to total assets

    9.08 %     9.65 %     10.31 %     (5.9 )%     (11.9 )%

Tangible equity to tangible assets(1)

    7.51       8.04       9.10       (6.6 )     (17.5 )

Tier 1 leverage ratio

    8.53       8.12       9.37       5.0       (9.0 )

Common equity tier 1 capital ratio(2)

    9.83       9.45       11.08       4.0       (11.3 )

Tier 1 capital ratio(2)

    10.29       9.90       11.42       3.9       (9.9 )

Total capital ratio(2)

    13.39       12.99       14.77       3.1       (9.3 )

Investar Bank:

                                       

Tier 1 leverage ratio

    10.03       9.60       10.56       4.5       (5.0 )

Common equity tier 1 capital ratio(2)

    12.10       11.72       12.86       3.2       (5.9 )

Tier 1 capital ratio(2)

    12.10       11.72       12.86       3.2       (5.9 )

Total capital ratio(2)

    13.14       12.75       13.95       3.1       (5.8 )

 

(1) Non-GAAP financial measure. See reconciliation.

(2) Estimated for March 31, 2022.

 

 

 

INVESTAR HOLDING CORPORATION

CONSOLIDATED BALANCE SHEETS

(Amounts in thousands, except share data)

(Unaudited)

 

   

March 31, 2022

   

December 31, 2021

   

March 31, 2021

 

ASSETS

                       

Cash and due from banks

  $ 45,700     $ 38,601     $ 29,970  

Interest-bearing balances due from other banks

    45,775       57,940       69,400  

Federal funds sold

    130       500       97  

Cash and cash equivalents

    91,605       97,041       99,467  
                         

Available for sale securities at fair value (amortized cost of $436,759, $356,639, and $299,310, respectively)

    413,777       355,509       301,433  

Held to maturity securities at amortized cost (estimated fair value of $9,900, $10,727, and $12,341, respectively)

    9,926       10,255       11,966  

Loans held for sale

          620        

Loans, net of allowance for loan losses of $21,088, $20,859, and $20,423, respectively

    1,856,356       1,851,153       1,825,547  

Other equity securities

    17,904       16,803       16,763  

Bank premises and equipment, net of accumulated depreciation of $20,016, $19,149, and $16,803, respectively

    55,204       58,080       56,631  

Other real estate owned, net

    3,454       2,653       1,518  

Accrued interest receivable

    11,168       11,355       12,868  

Deferred tax asset

    6,600       2,239        

Goodwill and other intangible assets, net

    43,804       44,036       32,001  

Bank-owned life insurance

    51,366       51,074       39,131  

Other assets

    11,544       12,385       10,631  

Total assets

  $ 2,572,708     $ 2,513,203     $ 2,407,956  
                         

LIABILITIES

                       

Deposits

                       

Noninterest-bearing

  $ 614,416     $ 585,465     $ 515,487  

Interest-bearing

    1,571,588       1,534,801       1,494,393  

Total deposits

    2,186,004       2,120,266       2,009,880  

Advances from Federal Home Loan Bank

    78,500       78,500       82,500  

Repurchase agreements

    1,305       5,783       4,274  

Subordinated debt

    43,012       42,989       42,920  

Junior subordinated debt

    8,420       8,384       5,962  

Accrued taxes and other liabilities

    21,810       14,683       14,169  

Total liabilities

    2,339,051       2,270,605       2,159,705  
                         

STOCKHOLDERS’ EQUITY

                       

Preferred stock, no par value per share; 5,000,000 shares authorized

                 

Common stock, $1.00 par value per share; 40,000,000 shares authorized; 10,310,212, 10,343,494, and 10,436,493 shares issued and outstanding, respectively

    10,310       10,343       10,436  

Surplus

    153,531       154,932       155,822  

Retained earnings

    85,387       76,160       75,998  

Accumulated other comprehensive (loss) income

    (15,571 )     1,163       5,995  

Total stockholders’ equity

    233,657       242,598       248,251  

Total liabilities and stockholders’ equity

  $ 2,572,708     $ 2,513,203     $ 2,407,956  

 

 

 

INVESTAR HOLDING CORPORATION

CONSOLIDATED STATEMENTS OF INCOME

(Amounts in thousands, except share data)

(Unaudited)

 

   

For the three months ended

 
   

March 31, 2022

   

December 31, 2021

   

March 31, 2021

 

INTEREST INCOME

                       

Interest and fees on loans

  $ 21,726     $ 22,248     $ 21,627  

Interest on investment securities

    1,955       1,291       1,179  

Other interest income

    186       214       163  

Total interest income

    23,867       23,753       22,969  
                         

INTEREST EXPENSE

                       

Interest on deposits

    976       1,217       2,302  

Interest on borrowings

    1,070       1,069       1,033  

Total interest expense

    2,046       2,286       3,335  

Net interest income

    21,821       21,467       19,634  
                         

Provision for loan losses

    (449 )     658       400  

Net interest income after provision for loan losses

    22,270       20,809       19,234  
                         

NONINTEREST INCOME

                       

Service charges on deposit accounts

    667       674       491  

Gain on sale of investment securities, net

    6             600  

Gain (loss) on sale or disposition of fixed assets, net

    373       (406 )     (2 )

Gain on sale of other real estate owned, net

    41              

Swap termination fee income

    3,344              

Gain on sale of loans

    33       80        

Servicing fees and fee income on serviced loans

    21       37       64  

Interchange fees

    498       527       388  

Income from bank owned life insurance

    292       308       223  

Change in the fair value of equity securities

    11       10       65  

Other operating income

    580       451       536  

Total noninterest income

    5,866       1,681       2,365  

Income before noninterest expense

    28,136       22,490       21,599  
                         

NONINTEREST EXPENSE

                       

Depreciation and amortization

    1,155       1,240       1,206  

Salaries and employee benefits

    9,021       7,146       8,695  

Occupancy

    641       778       637  

Data processing

    1,006       678       746  

Marketing

    21       106       41  

Professional fees

    379       467       358  

Acquisition expenses

                361  

Other operating expenses

    3,210       3,497       2,765  

Total noninterest expense

    15,433       13,912       14,809  

Income before income tax expense

    12,703       8,578       6,790  

Income tax expense

    2,600       1,642       1,430  

Net income

  $ 10,103     $ 6,936     $ 5,360  
                         

EARNINGS PER SHARE

                       

Basic earnings per common share

  $ 0.98     $ 0.67     $ 0.51  

Diluted earnings per common share

    0.97       0.67       0.51  

Cash dividends declared per common share

    0.09       0.08       0.07  

 

 

 

INVESTAR HOLDING CORPORATION

CONSOLIDATED AVERAGE BALANCE SHEET, INTEREST EARNED AND YIELD ANALYSIS

(Amounts in thousands)

(Unaudited)

 

   

For the three months ended

 
   

March 31, 2022

   

December 31, 2021

   

March 31, 2021

 
           

Interest

                   

Interest

                   

Interest

         
   

Average

   

Income/

           

Average

   

Income/

           

Average

   

Income/

         
   

Balance

   

Expense

   

Yield/ Rate

   

Balance

   

Expense

   

Yield/ Rate

   

Balance

   

Expense

   

Yield/ Rate

 

Assets

                                                                       

Interest-earning assets:

                                                                       

Loans

  $ 1,862,775     $ 21,726       4.73 %   $ 1,885,979     $ 22,248       4.68 %   $ 1,857,272     $ 21,627       4.72 %

Securities:

                                                                       

Taxable

    395,828       1,814       1.86       287,692       1,156       1.59       270,040       1,039       1.56  

Tax-exempt

    22,248       141       2.58       20,267       135       2.63       20,228       140       2.81  

Interest-bearing balances with banks

    77,461       186       0.97       191,958       214       0.44       38,313       163       1.72  

Total interest-earning assets

    2,358,312       23,867       4.10       2,385,896       23,753       3.95       2,185,853       22,969       4.26  

Cash and due from banks

    44,900                       47,384                       30,335                  

Intangible assets

    43,928                       44,156                       32,112                  

Other assets

    134,491                       139,064                       126,750                  

Allowance for loan losses

    (20,800 )                     (21,289 )                     (20,546 )                

Total assets

  $ 2,560,831                     $ 2,595,211                     $ 2,354,504                  
                                                                         

Liabilities and stockholders’ equity

                                                                       

Interest-bearing liabilities:

                                                                       

Deposits:

                                                                       

Interest-bearing demand deposits

  $ 965,574     $ 339       0.14 %   $ 939,789     $ 413       0.17 %   $ 736,502     $ 685       0.38 %

Brokered deposits

    3,188       2       0.27       16,405       2       0.04       83,832       209       1.01  

Savings deposits

    180,568       21       0.05       178,751       43       0.09       146,078       66       0.19  

Time deposits

    427,313       614       0.58       462,611       759       0.65       518,103       1,342       1.05  

Total interest-bearing deposits

    1,576,643       976       0.25       1,597,556       1,217       0.30       1,484,515       2,302       0.63  

Short-term borrowings

    5,616       2       0.15       6,772       4       0.22       11,407       6       0.18  

Long-term debt

    129,904       1,068       3.33       129,842       1,065       3.26       127,364       1,027       3.27  

Total interest-bearing liabilities

    1,712,163       2,046       0.48       1,734,170       2,286       0.52       1,623,286       3,335       0.83  

Noninterest-bearing deposits

    586,556                       603,162                       466,531                  

Other liabilities

    15,803                       16,414                       17,451                  

Stockholders’ equity

    246,309                       241,465                       247,236                  

Total liability and stockholders’ equity

  $ 2,560,831                     $ 2,595,211                     $ 2,354,504                  

Net interest income/net interest margin

          $ 21,821       3.75 %           $ 21,467       3.57 %           $ 19,634       3.64 %

 

 

 

INVESTAR HOLDING CORPORATION

RECONCILIATION OF NON-GAAP FINANCIAL MEASURES

INTEREST EARNED AND YIELD ANALYSIS ADJUSTED FOR PPP LOANS
(Amounts in thousands)
(Unaudited)

 

   

For the three months ended

 
   

March 31, 2022

   

December 31, 2021

   

March 31, 2021

 
           

Interest

                   

Interest

                   

Interest

         
   

Average

   

Income/

           

Average

   

Income/

           

Average

   

Income/

         
   

Balance

   

Expense

   

Yield/ Rate

   

Balance

   

Expense

   

Yield/ Rate

   

Balance

   

Expense

   

Yield/ Rate

 

Interest-earning assets:

                                                                       

Loans

  $ 1,862,775     $ 21,726       4.73 %   $ 1,885,979     $ 22,248       4.68 %   $ 1,857,272     $ 21,627       4.72 %

Adjustments:

                                                                       

PPP loans

    19,532       432       8.98       33,182       975       11.69       97,288       1,405       5.86  

Adjusted loans

    1,843,243       21,294       4.69       1,852,797       21,273       4.56       1,759,984       20,222       4.66  

Securities:

                                                                       

Taxable

    395,828       1,814       1.86       287,692       1,156       1.59       270,040       1,039       1.56  

Tax-exempt

    22,248       141       2.58       20,267       135       2.63       20,228       140       2.81  

Interest-bearing balances with banks

    77,461       186       0.97       191,958       214       0.44       38,313       163       1.72  

Adjusted interest-earning assets

    2,338,780       23,435       4.06       2,352,714       22,778       3.84       2,088,565       21,564       4.19  
                                                                         

Total interest-bearing liabilities

    1,712,163       2,046       0.48       1,734,170       2,286       0.52       1,623,286       3,335       0.83  
                                                                         

Adjusted net interest income/adjusted net interest margin

          $ 21,389       3.71 %           $ 20,492       3.46 %           $ 18,229       3.54 %

 

 

 

INVESTAR HOLDING CORPORATION

RECONCILIATION OF NON-GAAP FINANCIAL MEASURES

INTEREST EARNED AND YIELD ANALYSIS ADJUSTED FOR ACCELERATED PPP INCOME, INTEREST RECOVERIES, ACCRETION, AND PREPAYMENT PENALTY FEES
(Amounts in thousands)
(Unaudited)

 

   

For the three months ended

 
   

March 31, 2022

   

December 31, 2021

   

March 31, 2021

 
           

Interest

                   

Interest

                   

Interest

         
   

Average

   

Income/

           

Average

   

Income/

           

Average

   

Income/

         
   

Balance

   

Expense

   

Yield/ Rate

   

Balance

   

Expense

   

Yield/ Rate

   

Balance

   

Expense

   

Yield/ Rate

 

Interest-earning assets:

                                                                       

Loans

  $ 1,862,775     $ 21,726       4.73 %   $ 1,885,979     $ 22,248       4.68 %   $ 1,857,272     $ 21,627       4.72 %

Adjustments:

                                                                       

Accelerated fee income for forgiven or paid off PPP loans

            337                       812                       692          

Interest recoveries

            203                       119                       17          

Accretion

            208                       211                       135          

Prepayment penalty fees

            562                                                      

Adjusted loans

    1,862,775       20,416       4.44       1,885,979       21,106       4.44       1,857,272       20,783       4.54  

Securities:

                                                                       

Taxable

    395,828       1,814       1.86       287,692       1,156       1.59       270,040       1,039       1.56  

Tax-exempt

    22,248       141       2.58       20,267       135       2.63       20,228       140       2.81  

Interest-bearing balances with banks

    77,461       186       0.97       191,958       214       0.44       38,313       163       1.72  

Adjusted interest-earning assets

    2,358,312       22,557       3.88       2,385,896       22,611       3.76       2,185,853       22,125       4.10  
                                                                         

Total interest-bearing liabilities

    1,712,163       2,046       0.48       1,734,170       2,286       0.52       1,623,286       3,335       0.83  
                                                                         

Adjusted net interest income/adjusted net interest margin

          $ 20,511       3.53 %           $ 20,325       3.38 %           $ 18,790       3.49 %
                                                                         

 

 

 

INVESTAR HOLDING CORPORATION

RECONCILIATION OF NON-GAAP FINANCIAL MEASURES

(Amounts in thousands, except share data)

(Unaudited)

 

   

March 31, 2022

   

December 31, 2021

   

March 31, 2021

 

Tangible common equity

                       

Total stockholders’ equity

  $ 233,657     $ 242,598     $ 248,251  

Adjustments:

                       

Goodwill

    40,088       40,088       28,144  

Core deposit intangible

    3,616       3,848       3,757  

Trademark intangible

    100       100       100  

Tangible common equity

  $ 189,853     $ 198,562     $ 216,250  

Tangible assets

                       

Total assets

  $ 2,572,708     $ 2,513,203     $ 2,407,956  

Adjustments:

                       

Goodwill

    40,088       40,088       28,144  

Core deposit intangible

    3,616       3,848       3,757  

Trademark intangible

    100       100       100  

Tangible assets

  $ 2,528,904     $ 2,469,167     $ 2,375,955  
                         

Common shares outstanding

    10,310,212       10,343,494       10,436,493  

Tangible equity to tangible assets

    7.51 %     8.04 %     9.10 %

Book value per common share

  $ 22.66     $ 23.45     $ 23.79  

Tangible book value per common share

    18.41       19.20       20.72  

 

 

 

INVESTAR HOLDING CORPORATION

RECONCILIATION OF NON-GAAP FINANCIAL MEASURES

(Amounts in thousands, except share data)

(Unaudited)

 

     

Three months ended

 
     

3/31/2022

   

12/31/2021

   

3/31/2021

 

Net interest income

(a)

  $ 21,821     $ 21,467     $ 19,634  

Provision for loan losses

      (449 )     658       400  

Net interest income after provision for loan losses

      22,270       20,809       19,234  
                           

Noninterest income

(b)

    5,866       1,681       2,365  

Gain on sale of investment securities, net

      (6 )           (600 )

(Gain) loss on sale or disposition of fixed assets, net

      (373 )     406       2  

Gain on sale of other real estate owned, net

      (41 )            

Swap termination fee income

      (3,344 )            

Change in the fair value of equity securities

      (11 )     (10 )     (65 )

Core noninterest income

(d)

    2,091       2,077       1,702  
                           

Core earnings before noninterest expense

      24,361       22,886       20,936  
                           

Total noninterest expense

(c)

    15,433       13,912       14,809  

Acquisition expense

                  (361 )

Severance

      (8 )     (5 )     (78 )

Employee retention credit, net of consulting fees

            1,759        

Core noninterest expense

(f)

    15,425       15,666       14,370  
                           

Core earnings before income tax expense

      8,936       7,220       6,566  

Core income tax expense(1)

      1,829       1,379       1,385  

Core earnings

    $ 7,107     $ 5,841     $ 5,181  
                           

Core basic earnings per common share

      0.69       0.56       0.49  
                           

Diluted earnings per common share (GAAP)

    $ 0.97     $ 0.67     $ 0.51  

Gain on sale of investment securities, net

                  (0.05 )

(Gain) loss on sale or disposition of fixed assets, net

      (0.03 )     0.03        

Gain on sale of other real estate owned, net

                   

Swap termination fee income

      (0.26 )            

Change in the fair value of equity securities

                  (0.01 )

Acquisition expense

                  0.03  

Severance

                  0.01  

Employee retention credit, net of consulting fees

            (0.14 )      

Core diluted earnings per common share

    $ 0.68     $ 0.56     $ 0.49  
                           

Efficiency ratio

(c) / (a+b)

    55.74 %     60.10 %     67.32 %

Core efficiency ratio

(f) / (a+d)

    64.51       66.54       67.35  

Core return on average assets(2)

      1.13       0.89       0.89  

Core return on average equity(2)

      11.70       9.59       8.50  

Total average assets

    $ 2,560,831     $ 2,595,211     $ 2,354,504  

Total average stockholders’ equity

      246,309       241,465       247,236  

 

(1) Core income tax expense is calculated using the effective tax rates of 20.5%19.1% and 21.1% for the quarters ended March 31, 2022, December 31, 2021 and March 31, 2021, respectively.

(2) Core earnings used in calculation. No adjustments were made to average assets or average equity.

 

 
EX-101.SCH 3 istr-20220421.xsd XBRL TAXONOMY EXTENSION SCHEMA 000 - Document - Document And Entity Information link:calculationLink link:definitionLink link:presentationLink EX-101.DEF 4 istr-20220421_def.xml XBRL TAXONOMY EXTENSION DEFINITION LINKBASE EX-101.LAB 5 istr-20220421_lab.xml XBRL TAXONOMY EXTENSION LABEL LINKBASE Entity [Domain] Legal Entity [Axis] Document Information [Line Items] Document Information [Table] Document, Type Document, Period End Date Entity, Registrant Name Entity, Incorporation, State or Country Code Entity, File Number Entity, Tax Identification Number Entity, Address, Address Line One Entity, Address, City or Town Entity, Address, State or Province Entity, Address, Postal Zip Code City Area Code Local Phone Number Written Communications Soliciting Material Pre-commencement Tender Offer Pre-commencement Issuer Tender Offer Title of 12(b) Security Trading Symbol Security Exchange Name Entity, Emerging Growth Company Amendment Flag Entity, Central Index Key EX-101.PRE 6 istr-20220421_pre.xml XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE XML 7 R1.htm IDEA: XBRL DOCUMENT v3.22.1
Document And Entity Information
Apr. 21, 2022
Document Information [Line Items]  
Entity, Registrant Name Investar Holding Corporation
Document, Type 8-K
Document, Period End Date Apr. 21, 2022
Entity, Incorporation, State or Country Code LA
Entity, File Number 001-36522
Entity, Tax Identification Number 27-1560715
Entity, Address, Address Line One 10500 Coursey Blvd
Entity, Address, City or Town Baton Rouge
Entity, Address, State or Province LA
Entity, Address, Postal Zip Code 70816
City Area Code 225
Local Phone Number 227-2222
Written Communications false
Soliciting Material false
Pre-commencement Tender Offer false
Pre-commencement Issuer Tender Offer false
Title of 12(b) Security Common stock
Trading Symbol ISTR
Security Exchange Name NASDAQ
Entity, Emerging Growth Company false
Amendment Flag false
Entity, Central Index Key 0001602658
XML 8 istr20220316_8k_htm.xml IDEA: XBRL DOCUMENT 0001602658 2022-04-21 2022-04-21 false 0001602658 8-K 2022-04-21 Investar Holding Corporation LA 001-36522 27-1560715 10500 Coursey Blvd Baton Rouge LA 70816 225 227-2222 false false false false Common stock ISTR NASDAQ false EXCEL 9 Financial_Report.xlsx IDEA: XBRL DOCUMENT begin 644 Financial_Report.xlsx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end XML 10 Show.js IDEA: XBRL DOCUMENT // Edgar(tm) Renderer was created by staff of the U.S. Securities and Exchange Commission. Data and content created by government employees within the scope of their employment are not subject to domestic copyright protection. 17 U.S.C. 105. var Show={};Show.LastAR=null,Show.showAR=function(a,r,w){if(Show.LastAR)Show.hideAR();var e=a;while(e&&e.nodeName!='TABLE')e=e.nextSibling;if(!e||e.nodeName!='TABLE'){var ref=((window)?w.document:document).getElementById(r);if(ref){e=ref.cloneNode(!0); e.removeAttribute('id');a.parentNode.appendChild(e)}} if(e)e.style.display='block';Show.LastAR=e};Show.hideAR=function(){Show.LastAR.style.display='none'};Show.toggleNext=function(a){var e=a;while(e.nodeName!='DIV')e=e.nextSibling;if(!e.style){}else if(!e.style.display){}else{var d,p_;if(e.style.display=='none'){d='block';p='-'}else{d='none';p='+'} e.style.display=d;if(a.textContent){a.textContent=p+a.textContent.substring(1)}else{a.innerText=p+a.innerText.substring(1)}}} XML 11 report.css IDEA: XBRL DOCUMENT /* Updated 2009-11-04 */ /* v2.2.0.24 */ /* DefRef Styles */ .report table.authRefData{ background-color: #def; border: 2px solid #2F4497; font-size: 1em; position: absolute; } .report table.authRefData a { display: block; font-weight: bold; } .report table.authRefData p { margin-top: 0px; } .report table.authRefData .hide { background-color: #2F4497; padding: 1px 3px 0px 0px; text-align: right; } .report table.authRefData .hide a:hover { background-color: #2F4497; } .report table.authRefData .body { height: 150px; overflow: auto; width: 400px; } .report table.authRefData table{ font-size: 1em; } /* Report Styles */ .pl a, .pl a:visited { color: black; text-decoration: none; } /* table */ .report { background-color: white; border: 2px solid #acf; clear: both; color: black; font: normal 8pt Helvetica, Arial, san-serif; margin-bottom: 2em; } .report hr { border: 1px solid #acf; } /* Top labels */ .report th { background-color: #acf; color: black; font-weight: bold; text-align: center; } .report th.void { background-color: transparent; color: #000000; font: bold 10pt Helvetica, Arial, san-serif; text-align: left; } .report .pl { text-align: left; vertical-align: top; white-space: normal; width: 200px; white-space: normal; /* word-wrap: break-word; */ } .report td.pl a.a { cursor: pointer; display: block; width: 200px; overflow: hidden; } .report td.pl div.a { width: 200px; } .report td.pl a:hover { background-color: #ffc; } /* Header rows... */ .report tr.rh { background-color: #acf; color: black; font-weight: bold; } /* Calendars... */ .report .rc { background-color: #f0f0f0; } /* Even rows... */ .report .re, .report .reu { background-color: #def; } .report .reu td { border-bottom: 1px solid black; } /* Odd rows... */ .report .ro, .report .rou { background-color: white; } .report .rou td { border-bottom: 1px solid black; } .report .rou table td, .report .reu table td { border-bottom: 0px solid black; } /* styles for footnote marker */ .report .fn { white-space: nowrap; } /* styles for numeric types */ .report .num, .report .nump { text-align: right; white-space: nowrap; } .report .nump { padding-left: 2em; } .report .nump { padding: 0px 0.4em 0px 2em; } /* styles for text types */ .report .text { text-align: left; white-space: normal; } .report .text .big { margin-bottom: 1em; width: 17em; } .report .text .more { display: none; } .report .text .note { font-style: italic; font-weight: bold; } .report .text .small { width: 10em; } .report sup { font-style: italic; } .report .outerFootnotes { font-size: 1em; } XML 12 FilingSummary.xml IDEA: XBRL DOCUMENT 3.22.1 html 1 22 1 false 0 0 false 0 false false R1.htm 000 - Document - Document And Entity Information Sheet http://www.istr.com/20220421/role/statement-document-and-entity-information Document And Entity Information Cover 1 false false All Reports Book All Reports istr20220316_8k.htm ex_348109.htm istr-20220421.xsd istr-20220421_def.xml istr-20220421_lab.xml istr-20220421_pre.xml http://xbrl.sec.gov/dei/2021q4 true false JSON 14 MetaLinks.json IDEA: XBRL DOCUMENT { "instance": { "istr20220316_8k.htm": { "axisCustom": 0, "axisStandard": 0, "contextCount": 1, "dts": { "definitionLink": { "local": [ "istr-20220421_def.xml" ] }, "inline": { "local": [ "istr20220316_8k.htm" ] }, "labelLink": { "local": [ "istr-20220421_lab.xml" ] }, "presentationLink": { "local": [ "istr-20220421_pre.xml" ] }, "schema": { "local": [ "istr-20220421.xsd" ], "remote": [ "http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd", "http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd", "http://www.xbrl.org/2003/xl-2003-12-31.xsd", "http://www.xbrl.org/2003/xlink-2003-12-31.xsd", "http://www.xbrl.org/2005/xbrldt-2005.xsd", "http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd", "http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd", "http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd", "http://www.xbrl.org/lrr/role/net-2009-12-16.xsd", "https://www.xbrl.org/dtr/type/2020-01-21/types.xsd", "https://xbrl.sec.gov/country/2021/country-2021.xsd", "https://xbrl.sec.gov/currency/2021/currency-2021.xsd", "https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd", "https://xbrl.sec.gov/exch/2021/exch-2021.xsd", "https://xbrl.sec.gov/sic/2021/sic-2021.xsd", "https://xbrl.sec.gov/stpr/2021/stpr-2021.xsd" ] } }, "elementCount": 26, "entityCount": 1, "hidden": { "http://xbrl.sec.gov/dei/2021q4": 2, "total": 2 }, "keyCustom": 0, "keyStandard": 22, "memberCustom": 0, "memberStandard": 0, "nsprefix": "istr", "nsuri": "http://www.istr.com/20220421", "report": { "R1": { "firstAnchor": { "ancestors": [ "div", "body", "html" ], "baseRef": "istr20220316_8k.htm", "contextRef": "d20228K", "decimals": null, "first": true, "lang": "en-US", "name": "dei:EntityRegistrantName", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" }, "groupType": "document", "isDefault": "true", "longName": "000 - Document - Document And Entity Information", "role": "http://www.istr.com/20220421/role/statement-document-and-entity-information", "shortName": "Document And Entity Information", "subGroupType": "", "uniqueAnchor": { "ancestors": [ "div", "body", "html" ], "baseRef": "istr20220316_8k.htm", "contextRef": "d20228K", "decimals": null, "first": true, "lang": "en-US", "name": "dei:EntityRegistrantName", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" } } }, "segmentCount": 0, "tag": { "dei_AmendmentFlag": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.", "label": "Amendment Flag" } } }, "localname": "AmendmentFlag", "nsuri": "http://xbrl.sec.gov/dei/2021q4", "presentation": [ "http://www.istr.com/20220421/role/statement-document-and-entity-information" ], "xbrltype": "booleanItemType" }, "dei_CityAreaCode": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Area code of city", "label": "City Area Code" } } }, "localname": "CityAreaCode", "nsuri": "http://xbrl.sec.gov/dei/2021q4", "presentation": [ "http://www.istr.com/20220421/role/statement-document-and-entity-information" ], "xbrltype": "normalizedStringItemType" }, "dei_DocumentInformationLineItems": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.", "label": "Document Information [Line Items]" } } }, "localname": "DocumentInformationLineItems", "nsuri": "http://xbrl.sec.gov/dei/2021q4", "presentation": [ "http://www.istr.com/20220421/role/statement-document-and-entity-information" ], "xbrltype": "stringItemType" }, "dei_DocumentInformationTable": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Container to support the formal attachment of each official or unofficial, public or private document as part of a submission package.", "label": "Document Information [Table]" } } }, "localname": "DocumentInformationTable", "nsuri": "http://xbrl.sec.gov/dei/2021q4", "xbrltype": "stringItemType" }, "dei_DocumentPeriodEndDate": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period. The format of the date is YYYY-MM-DD.", "label": "Document, Period End Date" } } }, "localname": "DocumentPeriodEndDate", "nsuri": "http://xbrl.sec.gov/dei/2021q4", "presentation": [ "http://www.istr.com/20220421/role/statement-document-and-entity-information" ], "xbrltype": "dateItemType" }, "dei_DocumentType": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.", "label": "Document, Type" } } }, "localname": "DocumentType", "nsuri": "http://xbrl.sec.gov/dei/2021q4", "presentation": [ "http://www.istr.com/20220421/role/statement-document-and-entity-information" ], "xbrltype": "submissionTypeItemType" }, "dei_EntityAddressAddressLine1": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Address Line 1 such as Attn, Building Name, Street Name", "label": "Entity, Address, Address Line One" } } }, "localname": "EntityAddressAddressLine1", "nsuri": "http://xbrl.sec.gov/dei/2021q4", "presentation": [ "http://www.istr.com/20220421/role/statement-document-and-entity-information" ], "xbrltype": "normalizedStringItemType" }, "dei_EntityAddressCityOrTown": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Name of the City or Town", "label": "Entity, Address, City or Town" } } }, "localname": "EntityAddressCityOrTown", "nsuri": "http://xbrl.sec.gov/dei/2021q4", "presentation": [ "http://www.istr.com/20220421/role/statement-document-and-entity-information" ], "xbrltype": "normalizedStringItemType" }, "dei_EntityAddressPostalZipCode": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Code for the postal or zip code", "label": "Entity, Address, Postal Zip Code" } } }, "localname": "EntityAddressPostalZipCode", "nsuri": "http://xbrl.sec.gov/dei/2021q4", "presentation": [ "http://www.istr.com/20220421/role/statement-document-and-entity-information" ], "xbrltype": "normalizedStringItemType" }, "dei_EntityAddressStateOrProvince": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Name of the state or province.", "label": "Entity, Address, State or Province" } } }, "localname": "EntityAddressStateOrProvince", "nsuri": "http://xbrl.sec.gov/dei/2021q4", "presentation": [ "http://www.istr.com/20220421/role/statement-document-and-entity-information" ], "xbrltype": "stateOrProvinceItemType" }, "dei_EntityCentralIndexKey": { "auth_ref": [ "r1" ], "lang": { "en-us": { "role": { "documentation": "A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.", "label": "Entity, Central Index Key" } } }, "localname": "EntityCentralIndexKey", "nsuri": "http://xbrl.sec.gov/dei/2021q4", "presentation": [ "http://www.istr.com/20220421/role/statement-document-and-entity-information" ], "xbrltype": "centralIndexKeyItemType" }, "dei_EntityDomain": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "All the names of the entities being reported upon in a document. Any legal structure used to conduct activities or to hold assets. Some examples of such structures are corporations, partnerships, limited liability companies, grantor trusts, and other trusts. This item does not include business and geographical segments which are included in the geographical or business segments domains.", "label": "Entity [Domain]" } } }, "localname": "EntityDomain", "nsuri": "http://xbrl.sec.gov/dei/2021q4", "presentation": [ "http://www.istr.com/20220421/role/statement-document-and-entity-information" ], "xbrltype": "domainItemType" }, "dei_EntityEmergingGrowthCompany": { "auth_ref": [ "r1" ], "lang": { "en-us": { "role": { "documentation": "Indicate if registrant meets the emerging growth company criteria.", "label": "Entity, Emerging Growth Company" } } }, "localname": "EntityEmergingGrowthCompany", "nsuri": "http://xbrl.sec.gov/dei/2021q4", "presentation": [ "http://www.istr.com/20220421/role/statement-document-and-entity-information" ], "xbrltype": "booleanItemType" }, "dei_EntityFileNumber": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.", "label": "Entity, File Number" } } }, "localname": "EntityFileNumber", "nsuri": "http://xbrl.sec.gov/dei/2021q4", "presentation": [ "http://www.istr.com/20220421/role/statement-document-and-entity-information" ], "xbrltype": "fileNumberItemType" }, "dei_EntityIncorporationStateCountryCode": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Two-character EDGAR code representing the state or country of incorporation.", "label": "Entity, Incorporation, State or Country Code" } } }, "localname": "EntityIncorporationStateCountryCode", "nsuri": "http://xbrl.sec.gov/dei/2021q4", "presentation": [ "http://www.istr.com/20220421/role/statement-document-and-entity-information" ], "xbrltype": "edgarStateCountryItemType" }, "dei_EntityRegistrantName": { "auth_ref": [ "r1" ], "lang": { "en-us": { "role": { "documentation": "The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.", "label": "Entity, Registrant Name" } } }, "localname": "EntityRegistrantName", "nsuri": "http://xbrl.sec.gov/dei/2021q4", "presentation": [ "http://www.istr.com/20220421/role/statement-document-and-entity-information" ], "xbrltype": "normalizedStringItemType" }, "dei_EntityTaxIdentificationNumber": { "auth_ref": [ "r1" ], "lang": { "en-us": { "role": { "documentation": "The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.", "label": "Entity, Tax Identification Number" } } }, "localname": "EntityTaxIdentificationNumber", "nsuri": "http://xbrl.sec.gov/dei/2021q4", "presentation": [ "http://www.istr.com/20220421/role/statement-document-and-entity-information" ], "xbrltype": "employerIdItemType" }, "dei_LegalEntityAxis": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "The set of legal entities associated with a report.", "label": "Legal Entity [Axis]" } } }, "localname": "LegalEntityAxis", "nsuri": "http://xbrl.sec.gov/dei/2021q4", "presentation": [ "http://www.istr.com/20220421/role/statement-document-and-entity-information" ], "xbrltype": "stringItemType" }, "dei_LocalPhoneNumber": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Local phone number for entity.", "label": "Local Phone Number" } } }, "localname": "LocalPhoneNumber", "nsuri": "http://xbrl.sec.gov/dei/2021q4", "presentation": [ "http://www.istr.com/20220421/role/statement-document-and-entity-information" ], "xbrltype": "normalizedStringItemType" }, "dei_PreCommencementIssuerTenderOffer": { "auth_ref": [ "r3" ], "lang": { "en-us": { "role": { "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.", "label": "Pre-commencement Issuer Tender Offer" } } }, "localname": "PreCommencementIssuerTenderOffer", "nsuri": "http://xbrl.sec.gov/dei/2021q4", "presentation": [ "http://www.istr.com/20220421/role/statement-document-and-entity-information" ], "xbrltype": "booleanItemType" }, "dei_PreCommencementTenderOffer": { "auth_ref": [ "r4" ], "lang": { "en-us": { "role": { "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.", "label": "Pre-commencement Tender Offer" } } }, "localname": "PreCommencementTenderOffer", "nsuri": "http://xbrl.sec.gov/dei/2021q4", "presentation": [ "http://www.istr.com/20220421/role/statement-document-and-entity-information" ], "xbrltype": "booleanItemType" }, "dei_Security12bTitle": { "auth_ref": [ "r0" ], "lang": { "en-us": { "role": { "documentation": "Title of a 12(b) registered security.", "label": "Title of 12(b) Security" } } }, "localname": "Security12bTitle", "nsuri": "http://xbrl.sec.gov/dei/2021q4", "presentation": [ "http://www.istr.com/20220421/role/statement-document-and-entity-information" ], "xbrltype": "securityTitleItemType" }, "dei_SecurityExchangeName": { "auth_ref": [ "r2" ], "lang": { "en-us": { "role": { "documentation": "Name of the Exchange on which a security is registered.", "label": "Security Exchange Name" } } }, "localname": "SecurityExchangeName", "nsuri": "http://xbrl.sec.gov/dei/2021q4", "presentation": [ "http://www.istr.com/20220421/role/statement-document-and-entity-information" ], "xbrltype": "edgarExchangeCodeItemType" }, "dei_SolicitingMaterial": { "auth_ref": [ "r5" ], "lang": { "en-us": { "role": { "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.", "label": "Soliciting Material" } } }, "localname": "SolicitingMaterial", "nsuri": "http://xbrl.sec.gov/dei/2021q4", "presentation": [ "http://www.istr.com/20220421/role/statement-document-and-entity-information" ], "xbrltype": "booleanItemType" }, "dei_TradingSymbol": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Trading symbol of an instrument as listed on an exchange.", "label": "Trading Symbol" } } }, "localname": "TradingSymbol", "nsuri": "http://xbrl.sec.gov/dei/2021q4", "presentation": [ "http://www.istr.com/20220421/role/statement-document-and-entity-information" ], "xbrltype": "tradingSymbolItemType" }, "dei_WrittenCommunications": { "auth_ref": [ "r6" ], "lang": { "en-us": { "role": { "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.", "label": "Written Communications" } } }, "localname": "WrittenCommunications", "nsuri": "http://xbrl.sec.gov/dei/2021q4", "presentation": [ "http://www.istr.com/20220421/role/statement-document-and-entity-information" ], "xbrltype": "booleanItemType" } }, "unitCount": 0 } }, "std_ref": { "r0": { "Name": "Exchange Act", "Number": "240", "Publisher": "SEC", "Section": "12", "Subsection": "b" }, "r1": { "Name": "Exchange Act", "Number": "240", "Publisher": "SEC", "Section": "12", "Subsection": "b-2" }, "r2": { "Name": "Exchange Act", "Number": "240", "Publisher": "SEC", "Section": "12", "Subsection": "d1-1" }, "r3": { "Name": "Exchange Act", "Number": "240", "Publisher": "SEC", "Section": "13e", "Subsection": "4c" }, "r4": { "Name": "Exchange Act", "Number": "240", "Publisher": "SEC", "Section": "14d", "Subsection": "2b" }, "r5": { "Name": "Exchange Act", "Number": "240", "Publisher": "SEC", "Section": "14a", "Subsection": "12" }, "r6": { "Name": "Securities Act", "Number": "230", "Publisher": "SEC", "Section": "425" } }, "version": "2.1" } ZIP 15 0001437749-22-009486-xbrl.zip IDEA: XBRL DOCUMENT begin 644 0001437749-22-009486-xbrl.zip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end