0001437749-22-024589 8-K 14 20221024 2.02 9.01 20221024 20221024 Investar Holding Corp 0001602658 6022 271560715 LA 1231 8-K 34 001-36522 221325629 10500 COURSEY BLVD THIRD FLOOR BATON ROUGE LA 70816 225-227-2222 10500 COURSEY BLVD THIRD FLOOR BATON ROUGE LA 70816 8-K 1 istr20220814_8k.htm FORM 8-K istr20220814_8k.htm
false 0001602658 0001602658 2022-10-24 2022-10-24
 

 
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): October 24, 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:
 
 
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 October 24, 2022, Investar Holding Corporation (the “Company”), the holding company of Investar Bank, National Association (the “Bank”), issued a press release reporting third 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 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: October 24, 2022
By:
/s/ John J. D’Angelo
   
John J. D’Angelo
   
President and Chief Executive Officer
 
 
EX-99.1 2 ex_412384.htm EXHIBIT 99.1 ex_412384.htm

Exhibit 99.1

 

For Immediate Release

 

Investar Holding Corporation Announces 2022 Third Quarter Results

 

BATON ROUGE, LA / ACCESSWIRE / October 24, 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 September 30, 2022. Investar reported net income of $7.3 million, or $0.73 per diluted common share, for the third quarter of 2022, compared to net income of $9.4 million, or $0.92 per diluted common share, for the quarter ended June 30, 2022, and a net loss of $10.0 million, or $0.95 per diluted common share, for the quarter ended September 30, 2021.

 

On a non-GAAP basis, core earnings (loss) per diluted common share for the third quarter of 2022 were $0.71 compared to $0.62 for the second quarter of 2022 and ($1.06) for the third quarter of 2021. Core earnings (loss) exclude certain non-operating items including, but not limited to, 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’s President and Chief Executive Officer John D’Angelo said: 

 

Despite a changing economic environment, our third quarter results were impressive. Our loan portfolio grew to an all-timhigh of over $2.0 billion as we experienced strong loan growth of 4.7%, or 18.8% annualized, compared to the second quarter. Net interest income increased 6.8% and our net interest margin increased quarter-over-quarter. Credit quality metrics also remained strong as our nonperforming loans decreased almost $4.0 million and now represent only 0.65% of total loans compared to 0.89% in the second quarter as we continue to focus on high quality underwriting and disciplined lending. I am proud of the great progress we have made towards our performance goals. Our new leadership, branch consolidation, and digital delivery strategies are working together to improve our key performance metrics and position the Bank to operate more efficiently. 

 

As always, we remain focused on long-term shareholder value. In September, the board of directors approved an additional 300,000 shares for repurchase. We repurchased 126,861 shares of our common stock at an average price of $21.48 during the third quarter and increased our quarterly dividend by 6% compared to the second quarter dividend.
 

Third Quarter Highlights

 

 

Total loans increased $89.3 million, or 4.7%, to $2.01 billion at September 30, 2022, compared to $1.92 billion at June 30, 2022, and increased $125.0 million, or 6.6%, compared to $1.88 billion at September 30, 2021. Excluding Paycheck Protection Program (“PPP”) loans, total loans increased $90.9 million, or 4.8% (19.2% annualized), to $2.00 billion at September 30, 2022, compared to $1.91 billion at June 30, 2022, and increased $165.0 million, or 9.0%, compared to $1.84 billion at September 30, 2021.

 

 

Commercial and industrial loans increased $54.4 million, or 15.8%, to $397.8 million at September 30, 2022 compared to $343.4 million at June 30, 2022, and increased $62.8 million, or 18.7%, compared to $335.0 million at September 30, 2021. Excluding PPP loans, commercial and industrial loans increased $56.0 million, or 16.5%, to $395.9 million at September 30, 2022 compared to $339.9 million at June 30, 2022 and increased $102.7 million, or 35.0%, compared to $293.1 million at September 30, 2021.

 

 

Credit quality continues to strengthen with nonperforming loans improving to 0.65% of total loans at September 30, 2022 compared to 0.89% and 1.75% at June 30, 2022 and September 30, 2021, respectively.

 

 

 

 

Net interest margin increased to 3.77% for the quarter ended September 30, 2022 compared to 3.70% for the quarter ended June 30, 2022 and 3.44% for the quarter ended September 30, 2021.

 

 

Return on average assets decreased to 1.11% for the quarter ended September 30, 2022 compared to 1.48% for the quarter ended June 30, 2022 and increased from (1.47)% for the quarter ended September 30, 2021. Core return on average assets improved to 1.08% for the quarter ended September 30, 2022 compared to 0.99% for the quarter ended June 30, 2022 and (1.63)% for the quarter ended September 30, 2021.

 

 

Efficiency ratio increased to 61.10% for the quarter ended September 30, 2022 compared to 54.85% for the quarter ended June 30, 2022 and improved from 64.33% for the quarter ended September 30, 2021. Core efficiency ratio improved to 61.63% for the quarter ended September 30, 2022 compared to 63.21% and 67.17% for the quarters ended June 30, 2022 and September 30, 2021, respectively. 

 

 

Investar repurchased 126,861 shares of its common stock through its stock repurchase program at an average price of $21.48 during the quarter ended September 30, 2022, leaving 396,912 shares authorized for repurchase under the current stock repurchase plan after the board approved an additional 300,000 shares for repurchase in the third quarter. The Company has repurchased 508,780 shares of its common stock at an average price of $20.27 during the nine months ended September 30, 2022.

 

Loans

 

Total loans were $2.01 billion at September 30, 2022an increase of $89.3 million, or 4.7%, compared to June 30, 2022, and an increase of $125.0 million, or 6.6%, compared to September 30, 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

 
   

9/30/2022

   

6/30/2022

   

9/30/2021

      $    

%

      $     %    

9/30/2022

   

9/30/2021

 

Mortgage loans on real estate

                                                                       

Construction and development

  $ 220,609     $ 214,543     $ 215,247     $ 6,066       2.8 %   $ 5,362       2.5 %     11.0 %     11.5 %

1-4 Family

    391,857       380,028       362,249       11,829       3.1       29,608       8.2       19.5       19.3  

Multifamily

    57,306       56,491       58,972       815       1.4       (1,666 )     (2.8 )     2.9       3.1  

Farmland

    14,202       15,676       21,376       (1,474 )     (9.4 )     (7,174 )     (33.6 )     0.7       1.1  

Commercial real estate

                                                                       

Owner-occupied

    445,671       440,714       432,898       4,957       1.1       12,773       3.0       22.2       23.0  

Nonowner-occupied

    464,520       451,108       435,575       13,412       3.0       28,945       6.6       23.2       23.2  

Commercial and industrial

    397,759       343,355       335,008       54,404       15.8       62,751       18.7       19.8       17.8  

Consumer

    13,753       14,480       19,333       (727 )     (5.0 )     (5,580 )     (28.9 )     0.7       1.0  

Total loans

    2,005,677       1,916,395       1,880,658       89,282       4.7 %     125,019       6.6 %     100 %     100 %

Loans held for sale

                300                   (300 )     (100.0 )                

Total gross loans

  $ 2,005,677     $ 1,916,395     $ 1,880,958     $ 89,282       4.7 %   $ 124,719       6.6 %                

 

In the second quarter of 2020, the Bank began participating as a lender in the 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 September 30, 2022, the balance of the Bank’s PPP loans, which is included in the commercial and industrial portfolio, was $1.9 million, compared to $3.5 million at June 30, 2022 and $41.9 million at September 30, 2021. At September 30, 2022, approximately 99% of the total balance of PPP loans originated have been forgiven by the SBA or paid off by the customer.

At September 30, 2022, the Bank’s total business lending portfolio, which consists of loans secured by owner-occupied commercial real estate properties and commercial and industrial loans, was $843.4 million, an increase of $59.4 million, or 7.6%, compared to the business lending portfolio of $784.1 million at June 30, 2022, and an increase of $75.5 million, or 9.8%, compared to the business lending portfolio of $767.9 million at September 30, 2021. The increase in the business lending portfolio compared to June 30, 2022 and September 30, 2021 is primarily driven by increased loan production by our Commercial and Industrial Division, slightly offset by the forgiveness of PPP loans. 

Nonowner-occupied loans totaled $464.5 million at September 30, 2022, an increase of $13.4 million, or 3.0%, compared to $451.1 million at June 30, 2022, and an increase of $28.9 million, or 6.6%, compared to $435.6 million at September 30, 2021. The increase in nonowner-occupied loans compared to June 30, 2022 and September 30, 2021 is due to organic growth.

Credit Quality

 

Nonperforming loans were $13.1 million, or 0.65% of total loans, at September 30, 2022a decrease of $3.9 million compared to $17.0 million, or 0.89% of total loans, at June 30, 2022, and a decrease of $19.8 million compared to $32.9 million, or 1.75% of total loans, at September 30, 2021. The decrease in nonperforming loans compared to June 30, 2022 and September 30, 2021 is mainly attributable to large paydowns and a transfer to other real estate owned, net on one loan relationship, discussed further below. Included in nonperforming loans are acquired loans with a balance of $1.7 million at September 30, 2022, or 13% of nonperforming loans.

 

The allowance for loan losses was $23.2 million, or 176.6% and 1.15% of nonperforming and total loans, respectively, at September 30, 2022, compared to $22.0 million, or 128.9% and 1.15%, respectively, at June 30, 2022, and $20.6 million, or 62.4% and 1.09%, respectively, at September 30, 2021

 

We recorded a provision for loan losses of $1.2 million for the quarter ended September 30, 2022 compared to a provision for loan losses of $0.9 million for the quarter ended June 30, 2022 and a provision for loan losses of $21.7 million for the quarter ended September 30, 2021. The increase in the provision for loan losses compared to the quarter ended June 30, 2022, is primarily attributable to organic loan growth. The provision for loan losses for the quarter ended September 30, 2021 includes an impairment charge of $21.6 million related to a loan relationship with related borrowers (collectively, the “Borrower”) consisting of multiple loans that are secured by various types of collateral. As a result of Hurricane Ida, which made landfall in Louisiana as a category 4 hurricane on August 29, 2021, the Borrower’s business operations were disrupted causing a significant reduction in value of some of the collateral supporting the loan relationship, including real estate, inventory, and equipment.

 

Deposits

 

Total deposits at September 30, 2022 were $2.05 billion, a decrease of $10.0 million, or 0.5%, compared to $2.06 billion at June 30, 2022, and a decrease of $251.0 million, or 10.9%, compared to $2.30 billion at September 30, 2021. The decrease in deposits compared to June 30, 2022 is due to increased consumer spending, as customers drew down on their existing deposit accounts. The decrease in deposits compared to September 30, 2021 is driven by management’s decision to run-off higher yielding time deposits through the end of the second quarter and the elimination of brokered deposits, which the Bank has historically used to satisfy required borrowings under its interest rate swap agreements.

 

Beginning in 2020, the COVID-19 pandemic created a significant amount of excess liquidity in the market, and, as a result, we experienced large increases in both noninterest and interest-bearing demand deposits, and in money market deposit accounts and savings accounts during 2020 and 2021. These increases were primarily driven by reduced consumer and business spending related to the COVID-19 pandemic and increases in some PPP borrowers’ deposit accounts. As anticipated, these conditions were temporary in nature as the economy has been slowly recovering from the effects of the COVID-19 pandemic.

 

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

 
   

9/30/2022

   

6/30/2022

   

9/30/2021

   

$

   

%

   

$

   

%

   

9/30/2022

   

9/30/2021

 

Noninterest-bearing demand deposits

  $ 590,610     $ 615,779     $ 597,452     $ (25,169 )     (4.1 )%   $ (6,842 )     (1.1 )%     28.8 %     25.9 %

Interest-bearing demand deposits

    624,025       647,277       658,743       (23,252 )     (3.6 )     (34,718 )     (5.3 )     30.4       28.6  

Brokered deposits

                125,016                   (125,016 )     (100.0 )           5.4  

Money market deposit accounts

    251,213       243,795       264,846       7,418       3.0       (13,633 )     (5.1 )     12.2       11.5  

Savings accounts

    167,131       176,760       174,953       (9,629 )     (5.4 )     (7,822 )     (4.5 )     8.1       7.6  

Time deposits

    419,704       379,059       482,631       40,645       10.7       (62,927 )     (13.0 )     20.5       21.0  

Total deposits

  $ 2,052,683     $ 2,062,670     $ 2,303,641     $ (9,987 )     (0.5 )%   $ (250,958 )     (10.9 )%     100.0 %     100.0 %

 

Stockholders Equity 

 

Stockholders’ equity was $205.7 million at September 30, 2022a decrease of $13.7 million, or 6.2%, compared to June 30, 2022, and a decrease of $30.6 million, or 13.0%, compared to September 30, 2021. The decrease in stockholders’ equity compared to June 30, 2022 and September 30, 2021 is primarily attributable to an increase in accumulated other comprehensive loss due to a decrease in the fair value of the Bank’s available for sale securities portfolio.

 

Net Interest Income

 

Net interest income for the third quarter of 2022 totaled $23.5 million, an increase of $1.5 million, or 6.8%, compared to the second quarter of 2022, and an increase of $1.9 million, or 8.9%, compared to the third quarter of 2021. Included in net interest income for the quarters ended September 30, 2022, June 30, 2022 and September 30, 2021 is $0.1 million, $0.2 million, and $0.3 million, respectively, of interest income accretion from the acquisition of loans. Also included in net interest income for the quarters ended September 30, 2022June 30, 2022 and September 30, 2021 are interest recoveries of $0.1 million, $36,000, and $0.2 million, respectively.

 

 

 

Investar’s net interest margin was 3.77% for the quarter ended September 30, 2022, compared to 3.70% for the quarter ended June 30, 2022 and 3.44% for the quarter ended September 30, 2021. The increase in net interest margin for the quarter ended September 30, 2022 compared to the quarter ended June 30, 2022 was driven by a 25 basis point increase in the yield on interest-earning assets, partially offset by a 24 basis point increase in the cost of funds. The increase in net interest margin for the quarter ended September 30, 2022 compared to the quarter ended September 30, 2021 was driven by a seven basis point increase in the yield on the loan portfolio and a 92 basis point increase in the yield on the securities portfolio, together resulting in a 43 basis point increase in the yield on interest-earning assets.

 

The yield on interest-earning assets was 4.34% for the quarter ended September 30, 2022, compared to 4.09% for the quarter ended June 30, 2022 and 3.91% for the quarter ended September 30, 2021. The increase in the yield on interest-earning assets compared to the quarter ended June 30, 2022 was primarily attributable to a 26 basis point increase in the yield on the loan portfolio and a 33 basis point increase in the yield on the taxable securities portfolio. The increase in the yield on interest-earning assets compared to the quarter ended September 30, 2021 was primarily driven by a seven basis point increase in the yield on the loan portfolio and a 101 basis point increase in the yield on the taxable securities portfolio.

 

Exclusive of PPP loans, which had an average balance of $2.5 million and related interest and fee income of $0.1 million for the quarter ended September 30, 2022, compared to an average balance of $7.7 million and related interest and fee income of $0.3 million for the quarter ended June 30, 2022 and an average balance of $58.5 million and related interest and fee income of $1.3 million for the quarter ended September 30, 2021, adjusted net interest margin was 3.76% for the quarter ended September 30, 2022, compared to an adjusted net interest margin of 3.65% for the quarter ended June 30, 2022 and 3.31% for the quarter ended September 30, 2021. Included in PPP interest and fee income for the quarters ended September 30, 2022June 30, 2022, and September 30, 2021 is $0.1 million, $0.3 million, and $1.0 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, and accelerated fee income recognized due to the forgiveness or pay-off of PPP loans, adjusted net interest margin increased to 3.72% for the quarter ended September 30, 2022, compared to 3.61% for the quarter ended June 30, 2022, and 3.21% for the quarter ended September 30, 2021. The adjusted yield on interest-earning assets was 4.29% for the quarter ended September 30, 2022 compared to 4.01% and 3.67% for the quarters ended June 30, 2022 and September 30, 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 increased 12 basis points to 0.36% for the quarter ended September 30, 2022 compared to 0.24% for the quarter ended June 30, 2022 and decreased seven basis points compared to 0.43% for the quarter ended September 30, 2021. The increase in the cost of deposits compared to the quarter ended June 30, 2022 reflects the increase in rates paid for interest-bearing demand deposits and time deposits. The decrease in the cost of deposits compared to the quarter ended September 30, 2021 primarily reflects the elimination of brokered deposits and a decrease in average balance and rates paid for time deposits. At September 30, 2022 and June 30, 2022, there was no balance of brokered deposits.

 

The overall cost of funds for the quarter ended September 30, 2022 increased 24 basis points to 0.79% compared to 0.55% for the quarter ended June 30, 2022 and increased 16 basis points compared to 0.63% for the quarter ended September 30, 2021. The increase in the cost of funds for the quarter ended September 30, 2022 compared to the quarters ended June 30, 2022 and September 30, 2021 resulted primarily from both a higher average balance of and an increased cost of short-term borrowings, the cost of which is driven by the Federal Reserve's federal funds rate.

 

Noninterest Income

 

Noninterest income for the third quarter of 2022 totaled $2.7 million, a decrease of $3.7 million, or 58.2%, compared to the second quarter of 2022 and a decrease of $1.2 million, or 31.9%, compared to the third quarter of 2021.

 

The decrease in noninterest income compared to the quarter ended June 30, 2022 was driven by a $4.7 million decrease in swap termination fees. This decrease was partially offset by a decrease in the loss on sale or disposition of fixed assets of $0.4 million and an increase in other operating income of $0.5 million. The decrease in noninterest income compared to the quarter ended September 30, 2021 is mainly attributable to a $1.8 million decrease in swap termination fees, partially offset by a $0.6 million increase in other operating income. The increase in other operating income compared to the quarters ended June 30, 2022 and September 30, 2021 is attributable to increases in derivative fee income and the change in the net asset value of other investments.

 

Swap termination fees of $4.7 million and $1.8 million were recorded for the quarters ended June 30, 2022 and September 30, 2021, respectively, when the Bank voluntarily terminated a number of its interest rate swap agreements in response to market conditions. The Bank had no current or forward starting interest rate swap contracts as of September 30, 2022

 

Noninterest Expense

 

Noninterest expense for the third quarter of 2022 totaled $16.0 million, an increase of $0.4 million, or 2.7%, compared to the second quarter of 2022, and a decrease of $0.4 million, or 2.5%, compared to the third quarter of 2021

 

The increase in noninterest expense for the quarter ended September 30, 2022 compared to the quarter ended June 30, 2022 was driven by a $0.3 million increase in salaries and employee benefits due to an increase in full-time equivalent employees and an increase of $0.2 million in other operating expense primarily attributable to higher FDIC assessment fees and change in the provision for unfunded loan commitments. The increases are partially offset by $0.2 million in loss on early extinguishment of subordinated debt resulting from the early redemption of our 6.00% Fixed-to-Floating Rate Subordinated Notes due 2027 recorded in the second quarter of 2022. Included in noninterest expense for the quarters ended September 30, 2022 and June 30, 2022 are collection and repossession expenses of $0.5 million and $0.4 million, respectively, related to the impaired loan relationship discussed in “Loans - Credit Quality” above.

 

The decrease in noninterest expense for the quarter ended September 30, 2022 compared to the quarter ended September 30, 2021 is primarily a result of a $0.4 million decrease in salaries and employee benefits and $0.4 million in acquisition expenses related to the April 2021 acquisition of Cheaha Financial Group recorded in the third quarter of 2021, partially offset by increases in occupancy expense of $0.2 million and other operating expenses of $0.2 million, respectively. The decrease in salaries and employee benefits compared to the third quarter of 2021 is primarily due to a decrease in health insurance claims. The increase in other operating expenses is driven by an increase in collection and repossession expenses, the majority of which is related to the impaired loan relationship discussed in “Loans - Credit Quality” above.

 

 

 

Taxes

 

Investar recorded an income tax expense of $1.7 million for the quarter ended September 30, 2022, which equates to an effective tax rate of 18.9%, compared to effective tax rates of 20.7% and 21.0% for the quarters ended June 30, 2022 and September 30, 2021, respectively.

 

Basic and Diluted Earnings (Loss) Per Common Share

 

Investar reported basic and diluted earnings per common share of $0.74 and $0.73, respectively, for the quarter ended September 30, 2022, compared to basic and diluted earnings per common share of $0.92 for the quarter ended June 30, 2022, and basic and diluted loss per common share of $0.95 for the quarter ended September 30, 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 31 branch locations serving Louisiana, Texas, and Alabama. At September 30, 2022, the Bank had 352 full-time equivalent employees and total assets of $2.7 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 (loss) before income tax expense (benefit),” “core income tax expense (benefit),” “core earnings (loss),” “core efficiency ratio,” “core return on average assets,” “core return on average equity,” “core basic earnings (loss) per share,” and “core diluted earnings (loss) 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, and interest income accretion from the acquisition of loans. 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 and war in Ukraine, 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 and the war, their 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;

 

 

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 the war in Ukraine and government actions taken to address their impact, 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 and grow 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, tropical storms, tropical depressions, floods, winter storms, and other adverse weather events, all of which have affected the Company's market areas from time to time; other natural disasters; 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

John D’Angelo

President and Chief Executive Officer

(225) 448-5461

John.Dangelo@investarbank.com

 

 

 

INVESTAR HOLDING CORPORATION

SUMMARY FINANCIAL INFORMATION

(Amounts in thousands, except share data)

(Unaudited)

 

   

As of and for the three months ended

 
   

9/30/2022

   

6/30/2022

   

9/30/2021

   

Linked Quarter

   

Year/Year

 

EARNINGS DATA

                                       

Total interest income

  $ 27,002     $ 24,328     $ 24,473       11.0 %     10.3 %

Total interest expense

    3,535       2,350       2,925       50.4       20.9  

Net interest income

    23,467       21,978       21,548       6.8       8.9  

Provision for loan losses

    1,162       941       21,713       23.5       (94.6 )

Total noninterest income

    2,665       6,378       3,914       (58.2 )     (31.9 )

Total noninterest expense

    15,967       15,552       16,381       2.7       (2.5 )

Income (loss) before income tax expense (benefit)

    9,003       11,863       (12,632 )     (24.1 )     171.3  

Income tax expense (benefit)

    1,699       2,459       (2,648 )     (30.9 )     164.2  

Net income (loss)

  $ 7,304     $ 9,404     $ (9,984 )     (22.3 )     173.2  
                                         

AVERAGE BALANCE SHEET DATA

                                       

Total assets

  $ 2,621,611     $ 2,553,849     $ 2,686,712       2.7 %     (2.4 )%

Total interest-earning assets

    2,468,357       2,384,385       2,482,070       3.5       (0.6 )

Total loans

    1,954,493       1,896,574       1,923,960       3.1       1.6  

Total interest-bearing deposits

    1,456,826       1,498,354       1,691,318       (2.8 )     (13.9 )

Total interest-bearing liabilities

    1,772,960       1,698,613       1,830,240       4.4       (3.1 )

Total deposits

    2,069,603       2,109,972       2,272,715       (1.9 )     (8.9 )

Total stockholders’ equity

    226,624       229,949       254,616       (1.4 )     (11.0 )
                                         

PER SHARE DATA

                                       

Earnings:

                                       

Basic earnings (loss) per common share

  $ 0.74     $ 0.92     $ (0.95 )     (19.6 )%     177.9 %

Diluted earnings (loss) per common share

    0.73       0.92       (0.95 )     (20.7 )     176.8  

Core Earnings(1):

                                       

Core basic earnings (loss) per common share(1)

    0.71       0.62       (1.06 )     14.5       167.0  

Core diluted earnings (loss) per common share(1)

    0.71       0.62       (1.06 )     14.5       167.0  

Book value per common share

    20.78       21.88       22.85       (5.0 )     (9.1 )

Tangible book value per common share(1)

    16.40       17.54       18.57       (6.5 )     (11.7 )

Common shares outstanding

    9,901,078       10,024,997       10,343,416       (1.2 )     (4.3 )

Weighted average common shares outstanding - basic

    9,965,374       10,149,246       10,398,787       (1.8 )     (4.2 )

Weighted average common shares outstanding - diluted

    10,086,249       10,233,539       10,398,787       (1.4 )     (3.0 )
                                         

PERFORMANCE RATIOS

                                       

Return on average assets

    1.11 %     1.48 %     (1.47 )%     (25.0 )%     175.5 %

Core return on average assets(1)

    1.08       0.99       (1.63 )     9.1       166.3  

Return on average equity

    12.79       16.40       (15.56 )     (22.0 )     182.2  

Core return on average equity(1)

    12.46       11.04       (17.20 )     12.9       172.4  

Net interest margin

    3.77       3.70       3.44       1.9       9.6  

Net interest income to average assets

    3.55       3.45       3.18       2.9       11.6  

Noninterest expense to average assets

    2.42       2.44       2.42       (0.8 )      

Efficiency ratio(2)

    61.10       54.85       64.33       11.4       (5.0 )

Core efficiency ratio(1)

    61.63       63.21       67.17       (2.5 )     (8.2 )

Dividend payout ratio

    12.84       9.78       (8.42 )     31.3       252.5  

Net charge-offs to average loans

                1.12             (100.0 )

 

(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

 
   

9/30/2022

   

6/30/2022

   

9/30/2021

   

Linked Quarter

   

Year/Year

 

ASSET QUALITY RATIOS

                                       

Nonperforming assets to total assets

    0.58 %     0.79 %     1.25 %     (26.6 )%     (53.6 )%

Nonperforming loans to total loans

    0.65       0.89       1.75       (27.0 )     (62.9 )

Allowance for loan losses to total loans

    1.15       1.15       1.09             5.5  

Allowance for loan losses to nonperforming loans

    176.63       128.93       62.44       37.0       182.9  
                                         

CAPITAL RATIOS

                                       

Investar Holding Corporation:

                                       

Total equity to total assets

    7.73 %     8.47 %     8.77 %     (8.7 )%     (11.9 )%

Tangible equity to tangible assets(1)

    6.20       6.90       7.24       (10.2 )     (14.4 )

Tier 1 leverage ratio

    8.48       8.57       7.60       (1.1 )     11.6  

Common equity tier 1 capital ratio(2)

    9.65       9.73       9.25       (0.8 )     4.3  

Tier 1 capital ratio(2)

    10.08       10.17       9.71       (0.9 )     3.8  

Total capital ratio(2)

    13.15       13.28       12.82       (1.0 )     2.6  

Investar Bank:

                                       

Tier 1 leverage ratio

    9.84       10.05       8.99       (2.1 )     9.5  

Common equity tier 1 capital ratio(2)

    11.70       11.94       11.50       (2.0 )     1.7  

Tier 1 capital ratio(2)

    11.70       11.94       11.50       (2.0 )     1.7  

Total capital ratio(2)

    12.77       12.98       12.53       (1.6 )     1.9  

 

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

(2) Estimated for September 30, 2022.

 

 

 

INVESTAR HOLDING CORPORATION

CONSOLIDATED BALANCE SHEETS

(Amounts in thousands, except share data)

(Unaudited)

 

   

September 30, 2022

   

June 30, 2022

   

September 30, 2021

 

ASSETS

                       

Cash and due from banks

  $ 31,711     $ 31,598     $ 45,404  

Interest-bearing balances due from other banks

    4,302       18,852       304,587  

Federal funds sold

          500       500  

Cash and cash equivalents

    36,013       50,950       350,491  
                         

Available for sale securities at fair value (amortized cost of $477,242, $462,773, and $274,312, respectively)

    413,186       421,285       274,387  

Held to maturity securities at amortized cost (estimated fair value of $8,951, $9,580, and $11,936, respectively)

    9,373       9,701       11,407  

Loans held for sale

                300  

Loans, net of allowance for loan losses of $23,164, $21,954, and $20,567, respectively

    1,982,513       1,894,441       1,860,091  

Other equity securities

    26,629       22,639       16,783  

Bank premises and equipment, net of accumulated depreciation of $21,421, $20,562, and $18,579, respectively

    50,327       51,296       61,619  

Other real estate owned, net

    2,326       3,397       635  

Accrued interest receivable

    11,915       10,905       11,732  

Deferred tax asset

    16,587       11,506       1,493  

Goodwill and other intangible assets, net

    43,360       43,580       44,283  

Bank-owned life insurance

    57,033       56,692       50,767  

Other assets

    12,432       14,215       12,060  

Total assets

  $ 2,661,694     $ 2,590,607     $ 2,696,048  
                         

LIABILITIES

                       

Deposits

                       

Noninterest-bearing

  $ 590,610     $ 615,779     $ 597,452  

Interest-bearing

    1,462,073       1,446,891       1,706,189  

Total deposits

    2,052,683       2,062,670       2,303,641  

Advances from Federal Home Loan Bank

    333,100       239,800       78,500  

Repurchase agreements

          147       6,580  

Subordinated debt

    44,201       44,216       42,966  

Junior subordinated debt

    8,484       8,452       8,352  

Other borrowings

    168              

Accrued taxes and other liabilities

    17,358       15,953       19,685  

Total liabilities

    2,455,994       2,371,238       2,459,724  
                         

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; 9,901,078, 10,024,997, and 10,343,416 shares issued and outstanding, respectively

    9,901       10,025       10,344  

Surplus

    146,155       148,230       154,527  

Retained earnings

    100,247       93,888       70,054  

Accumulated other comprehensive (loss) income

    (50,603 )     (32,774 )     1,399  

Total stockholders’ equity

    205,700       219,369       236,324  

Total liabilities and stockholders’ equity

  $ 2,661,694     $ 2,590,607     $ 2,696,048  

 

 

 

INVESTAR HOLDING CORPORATION

CONSOLIDATED STATEMENTS OF INCOME

(Amounts in thousands, except share data)

(Unaudited)

 

   

For the three months ended

 
   

September 30, 2022

   

June 30, 2022

   

September 30, 2021

 

INTEREST INCOME

                       

Interest and fees on loans

  $ 23,924     $ 21,765     $ 23,220  

Interest on investment securities

    2,874       2,363       1,021  

Other interest income

    204       200       232  

Total interest income

    27,002       24,328       24,473  
                         

INTEREST EXPENSE

                       

Interest on deposits

    1,315       907       1,854  

Interest on borrowings

    2,220       1,443       1,071  

Total interest expense

    3,535       2,350       2,925  

Net interest income

    23,467       21,978       21,548  
                         

Provision for loan losses

    1,162       941       21,713  

Net interest income (loss) after provision for loan losses

    22,305       21,037       (165 )
                         

NONINTEREST INCOME

                       

Service charges on deposit accounts

    820       804       650  

Loss on sale or disposition of fixed assets, net

    (103 )     (461 )      

Gain (loss) on sale of other real estate owned, net

    50       (84 )      

Swap termination fee income

          4,733       1,835  

Gain on sale of loans

          4       73  

Servicing fees and fee income on serviced loans

    17       23       38  

Interchange fees

    511       535       504  

Income from bank owned life insurance

    341       326       304  

Change in the fair value of equity securities

    (27 )     (86 )     48  

Other operating income

    1,056       584       462  

Total noninterest income

    2,665       6,378       3,914  

Income before noninterest expense

    24,970       27,415       3,749  
                         

NONINTEREST EXPENSE

                       

Depreciation and amortization

    1,087       1,122       1,264  

Salaries and employee benefits

    9,345       9,063       9,770  

Occupancy

    810       751       662  

Data processing

    861       727       715  

Marketing

    84       83       57  

Professional fees

    460       499       382  

Loss on early extinguishment of subordinated debt

          222        

Acquisition expenses

                446  

Other operating expenses

    3,320       3,085       3,085  

Total noninterest expense

    15,967       15,552       16,381  

Income (loss) before income tax expense (benefit)

    9,003       11,863       (12,632 )

Income tax expense (benefit)

    1,699       2,459       (2,648 )

Net income (loss)

  $ 7,304     $ 9,404     $ (9,984 )
                         

EARNINGS PER SHARE

                       

Basic earnings (loss) per common share

  $ 0.74     $ 0.92     $ (0.95 )

Diluted earnings (loss) per common share

    0.73       0.92       (0.95 )

Cash dividends declared per common share

    0.095       0.09       0.08  

 

 

 

INVESTAR HOLDING CORPORATION

CONSOLIDATED AVERAGE BALANCE SHEET, INTEREST EARNED AND YIELD ANALYSIS

(Amounts in thousands)

(Unaudited)

 

   

For the three months ended

 
   

September 30, 2022

   

June 30, 2022

   

September 30, 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

  $ 1,954,493     $ 23,924       4.86 %   $ 1,896,574     $ 21,765       4.60 %   $ 1,923,960     $ 23,220       4.79 %

Securities:

                                                                       

Taxable

    466,012       2,769       2.36       441,313       2,234       2.03       262,751       892       1.35  

Tax-exempt

    16,528       105       2.50       19,331       129       2.67       18,499       129       2.76  

Interest-bearing balances with banks

    31,324       204       2.58       27,167       200       2.96       276,860       232       0.33  

Total interest-earning assets

    2,468,357       27,002       4.34       2,384,385       24,328       4.09       2,482,070       24,473       3.91  

Cash and due from banks

    33,291                       37,232                       38,511                  

Intangible assets

    43,472                       43,701                       44,040                  

Other assets

    98,936                       110,185                       142,608                  

Allowance for loan losses

    (22,445 )                     (21,654 )                     (20,517 )                

Total assets

  $ 2,621,611                     $ 2,553,849                     $ 2,686,712                  
                                                                         

Liabilities and stockholders’ equity

                                                                       

Interest-bearing liabilities:

                                                                       

Deposits:

                                                                       

Interest-bearing demand deposits

  $ 887,040     $ 594       0.27 %   $ 927,853     $ 393       0.17 %   $ 901,146     $ 599       0.26 %

Brokered deposits

                      3,956       5       0.52       112,601       264       0.93  

Savings deposits

    173,582       20       0.05       179,867       21       0.05       173,971       67       0.15  

Time deposits

    396,204       701       0.70       386,678       488       0.51       503,600       924       0.73  

Total interest-bearing deposits

    1,456,826       1,315       0.36       1,498,354       907       0.24       1,691,318       1,854       0.43  

Short-term borrowings

    191,210       1,156       2.40       51,866       149       1.15       9,136       5       0.21  

Long-term debt

    124,924       1,064       3.38       148,393       1,294       3.50       129,786       1,066       3.26  

Total interest-bearing liabilities

    1,772,960       3,535       0.79       1,698,613       2,350       0.55       1,830,240       2,925       0.63  

Noninterest-bearing deposits

    612,777                       611,618                       581,397                  

Other liabilities

    9,250                       13,669                       20,459                  

Stockholders’ equity

    226,624                       229,949                       254,616                  

Total liability and stockholders’ equity

  $ 2,621,611                     $ 2,553,849                     $ 2,686,712                  

Net interest income/net interest margin

          $ 23,467       3.77 %           $ 21,978       3.70 %           $ 21,548       3.44 %

 

 

 

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

 
   

September 30, 2022

   

June 30, 2022

   

September 30, 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

  $ 1,954,493     $ 23,924       4.86 %   $ 1,896,574     $ 21,765       4.60 %   $ 1,923,960     $ 23,220       4.79 %

Adjustments:

                                                                       

PPP loans

    2,458       70       11.27       7,741       332       17.26       58,481       1,309       8.88  

Adjusted loans

    1,952,035       23,854       4.85       1,888,833       21,433       4.55       1,865,479       21,911       4.66  

Securities:

                                                                       

Taxable

    466,012       2,769       2.36       441,313       2,234       2.03       262,751       892       1.35  

Tax-exempt

    16,528       105       2.50       19,331       129       2.67       18,499       129       2.76  

Interest-bearing balances with banks

    31,324       204       2.58       27,167       200       2.96       276,860       232       0.33  

Adjusted interest-earning assets

    2,465,899       26,932       4.33       2,376,644       23,996       4.05       2,423,589       23,164       3.79  
                                                                         

Total interest-bearing liabilities

    1,772,960       3,535       0.79       1,698,613       2,350       0.55       1,830,240       2,925       0.63  
                                                                         

Adjusted net interest income/adjusted net interest margin

          $ 23,397       3.76 %           $ 21,646       3.65 %           $ 20,239       3.31 %

 

 

 

INVESTAR HOLDING CORPORATION

RECONCILIATION OF NON-GAAP FINANCIAL MEASURES

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

 

   

For the three months ended

 
   

September 30, 2022

   

June 30, 2022

   

September 30, 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

  $ 1,954,493     $ 23,924       4.86 %   $ 1,896,574     $ 21,765       4.60 %   $ 1,923,960     $ 23,220       4.79 %

Adjustments:

                                                                       

Accelerated fee income for forgiven or paid off PPP loans

            58                       295                       1,001          

Interest recoveries

            121                       36                       187          

Accretion

            142                       159                       298          

Adjusted loans

    1,954,493       23,603       4.79       1,896,574       21,275       4.50       1,923,960       21,734       4.48  

Securities:

                                                                       

Taxable

    466,012       2,769       2.36       441,313       2,234       2.03       262,751       892       1.35  

Tax-exempt

    16,528       105       2.50       19,331       129       2.67       18,499       129       2.76  

Interest-bearing balances with banks

    31,324       204       2.58       27,167       200       2.96       276,860       232       0.33  

Adjusted interest-earning assets

    2,468,357       26,681       4.29       2,384,385       23,838       4.01       2,482,070       22,987       3.67  
                                                                         

Total interest-bearing liabilities

    1,772,960       3,535       0.79       1,698,613       2,350       0.55       1,830,240       2,925       0.63  
                                                                         

Adjusted net interest income/adjusted net interest margin

          $ 23,146       3.72 %           $ 21,488       3.61 %           $ 20,062       3.21 %

 

 

 

INVESTAR HOLDING CORPORATION

RECONCILIATION OF NON-GAAP FINANCIAL MEASURES

(Amounts in thousands, except share data)

(Unaudited)

 

   

September 30, 2022

   

June 30, 2022

   

September 30, 2021

 

Tangible common equity

                       

Total stockholders’ equity

  $ 205,700     $ 219,369     $ 236,324  

Adjustments:

                       

Goodwill

    40,088       40,088       40,088  

Core deposit intangible

    3,172       3,392       4,095  

Trademark intangible

    100       100       100  

Tangible common equity

  $ 162,340     $ 175,789     $ 192,041  

Tangible assets

                       

Total assets

  $ 2,661,694     $ 2,590,607     $ 2,696,048  

Adjustments:

                       

Goodwill

    40,088       40,088       40,088  

Core deposit intangible

    3,172       3,392       4,095  

Trademark intangible

    100       100       100  

Tangible assets

  $ 2,618,334     $ 2,547,027     $ 2,651,765  
                         

Common shares outstanding

    9,901,078       10,024,997       10,343,416  

Tangible equity to tangible assets

    6.20 %     6.90 %     7.24 %

Book value per common share

  $ 20.78     $ 21.88     $ 22.85  

Tangible book value per common share

    16.40       17.54       18.57  

 

 

 

INVESTAR HOLDING CORPORATION

RECONCILIATION OF NON-GAAP FINANCIAL MEASURES

(Amounts in thousands, except share data)

(Unaudited)

 

     

Three months ended

 
     

9/30/2022

   

6/30/2022

   

9/30/2021

 

Net interest income

(a)

  $ 23,467     $ 21,978     $ 21,548  

Provision for loan losses

      1,162       941       21,713  

Net interest income (loss) after provision for loan losses

      22,305       21,037       (165 )
                           

Noninterest income

(b)

    2,665       6,378       3,914  

Loss on sale or disposition of fixed assets, net

      103       461        

Gain (loss) on sale of other real estate owned, net

      (50 )     84        

Swap termination fee income

            (4,733 )     (1,835 )

Change in the fair value of equity securities

      27       86       (48 )

Change in the net asset value of other investments(1)

      (305 )            

Core noninterest income

(d)

    2,440       2,276       2,031  
                           

Core earnings before noninterest expense

      24,745       23,313       1,866  
                           

Total noninterest expense

(c)

    15,967       15,552       16,381  

Acquisition expense

                  (446 )

Severance

                  (98 )

Loss on early extinguishment of subordinated debt

            (222 )      

Core noninterest expense

(f)

    15,967       15,330       15,837  
                           

Core earnings (loss) before income tax expense (benefit)

      8,778       7,983       (13,971 )

Core income tax expense (benefit)(2)

      1,659       1,655       (2,934 )

Core earnings (loss)

    $ 7,119     $ 6,328     $ (11,037 )
                           

Core basic earnings (loss) per common share

      0.71       0.62       (1.06 )
                           

Diluted earnings (loss) per common share (GAAP)

    $ 0.73     $ 0.92     $ (0.95 )

Loss on sale or disposition of fixed assets, net

      0.01       0.03        

Gain (loss) on sale of other real estate owned, net

            0.01        

Swap termination fee income

            (0.37 )     (0.14 )

Change in the fair value of equity securities

            0.01       (0.01 )

Change in the net asset value of other investments(1)

      (0.03 )            

Acquisition expense

                  0.03  

Severance

                  0.01  

Loss on early extinguishment of subordinated debt

            0.02        

Core diluted earnings (loss) per common share

    $ 0.71     $ 0.62     $ (1.06 )
                           

Efficiency ratio

(c) / (a+b)

    61.10 %     54.85 %     64.33 %

Core efficiency ratio

(f) / (a+d)

    61.63       63.21       67.17  

Core return on average assets(3)

      1.08       0.99       (1.63 )

Core return on average equity(3)

      12.46       11.04       (17.20 )

Total average assets

    $ 2,621,611     $ 2,553,849     $ 2,686,712  

Total average stockholders’ equity

      226,624       229,949       254,616  

 

(1) Change in net asset value of other investments represents unrealized gains or losses on Investars investments in Small Business Investment Companies and other investment funds and is included in other operating income in the accompanying consolidated statements of income.

(2) Core income tax expense (benefit) is calculated using the effective tax rates of 18.9%20.7% and 21.0% for the quarters ended September 30, 2022, June 30, 2022 and September 30, 2021, respectively.

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

 

 
EX-101.SCH 3 istr-20221024.xsd XBRL TAXONOMY EXTENSION SCHEMA 000 - Document - Document And Entity Information link:calculationLink link:definitionLink link:presentationLink EX-101.DEF 4 istr-20221024_def.xml XBRL TAXONOMY EXTENSION DEFINITION LINKBASE EX-101.LAB 5 istr-20221024_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-20221024_pre.xml XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE XML 7 R1.htm IDEA: XBRL DOCUMENT v3.22.2.2
Document And Entity Information
Oct. 24, 2022
Document Information [Line Items]  
Entity, Registrant Name Investar Holding Corporation
Document, Type 8-K
Document, Period End Date Oct. 24, 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 istr20220814_8k_htm.xml IDEA: XBRL DOCUMENT 0001602658 2022-10-24 2022-10-24 false 0001602658 8-K 2022-10-24 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 M4$L#!!0 ( /)F6%4'04UB@0 +$ 0 9&]C4')O<',O87!P+GAM M;$V./0L",1!$_\IQO;=!P4)B0-!2L+(/>QLOD&1#LD)^OCG!CVX>;QA&WPIG M*N*I#BV&5(_C(I(/ !47BK9.7:=N')=HI6-Y #OGDK7A.YNJQ<&4GPZ4A!0W_J=0U[R;UEA_6\#MI7E!+ P04 M " #R9EA5*$$!!>\ K @ $0 &1O8U!R;W!S+V-O&ULS9+! M3L,P#(9?!>7>NDU9#U&7"X@32$A, G&+$F^+:-HH,6KW]J1AZX3@ 3C&_O/Y ML^1.>Z''@,]A]!C(8KR973]$H?V6'8F\ (CZB$[%,B6&U-R/P2E*SW K_2' M.B#PJFK!(2FC2,$"+/Q*9+(S6NB BL9PQAN]XOUGZ#/,:, >'0X4H2YK8'*9 MZ$]SW\$5L, (@XO?!30K,5?_Q.8.L'-RCG9-3=-43DW.I1UJ>'MZ?,GK%G:( MI :-Z5>T@DX>M^PR^;6YN]\],,DKSHNZ*OCMKF[%9B.:]GUQ_>%W%7:CL7O[ MCXTO@K*#7W&UL[5I;<]HX%'[OK]!X9_9M"\8V@;:T$W-I=MNTF83M M3A^%$5B-;'EDD81_OTV23;J;/ 0LZ?O.14?GZ#AY\^XN8NB&B)3R M> +]O6N[!3+ MUES@6QHO(];JM-O=5H1I;*$81V1@?5XL:$#05%%:;U\@M.4?,_@5RU2-9:,! M$U=!)KF(M/+Y;,7\VMX^9<_I.ATR@6XP&U@@?\YOI^1.6HCA5,+$P&IG/U9K MQ]'22(""R7V4!;I)]J/3%0@R#3LZG5C.=GSVQ.V?C,K:=#1M&N#C\7@XMLO2 MBW A(5M>5 TR M6'!VULS2 Y9>*?IUE!K9';O=05SP6.XYB1'^QL4$UFG2&98T1G*=D 4. #?$ MT4Q0?*]!MHK@PI+27)#6SRFU4!H(FLB!]4>"(<7K;YH] M5Z%82=J$^!!&&N*<<^9ST6S[!Z5&T?95O-RCEU@5 9<8WS2J-2S%UGB5P/&M MG#P=$Q+-E L&08:7)"82J3E^34@3_BNEVOZKR2.FJW"$2M"/F(9 M-AIRM1:!MG&IA&!:$L;1>$[2M!'\6:PUDSY@R.S-D77.UI$.$9)>-T(^8LZ+ MD!&_'H8X2IKMHG%8!/V>7L-)P>B"RV;]N'Z&U3-L+([W1]072N0/)J<_Z3(T M!Z.:60F]A%9JGZJ'-#ZH'C(*!?&Y'C[E>G@*-Y;&O%"N@GL!_]':-\*K^(+ M.7\N?<^E[[GT/:'2MSAD6R4)RU3393>* M$IY"&V[I4_5*E=?EK[DHN#Q;Y.FOH70^+,_Y/%_GM,T+,T.WF)&Y M"M-2D&_#^>G%>!KB.=D$N7V85VWGV-'1^^?!4;"C[SR6'<>(\J(A[J&&F,_# M0X=Y>U^89Y7&4#04;6RL)"Q&MV"XU_$L%.!D8"V@!X.O40+R4E5@,5O& RN0 MHGQ,C$7H<.>77%_CT9+CVZ9EM6ZO*7<9;2)2.<)IF!-GJ\K>9;'!51W/55OR ML+YJ/;053L_^6:W(GPP13A8+$DACE!>F2J+S&5.^YRM)Q%4XOT4SMA*7&+SC MYL=Q3E.X$G:V#P(RN;LYJ7IE,6>F\M\M# DL6XA9$N)-7>W5YYNTB42%(JP# 4A M%W+C[^^3:G>,U_HL@6V$5#)DU1?*0XG!/3-R0]A4)?.NVB8+A=OB5,V[&KXF M8$O#>FZ=+2?_VU[4/;07/4;SHYG@'K.' MYA,L0Z1^P7V*BH 1JV*^NJ]/^26<.[1[\8$@F_S6VZ3VW> ,?-2K6J5D*Q$_ M2P=\'Y(&8XQ;]#1?CQ1BK::QK<;:,0QY@%CS#*%F.-^'19H:,]6+K#F-"F]! MU4#E/]O4#6CV#30,9FV-J/D3@H\W/[O#;#"Q([A[8N_ 5!+ P04 M" #R9EA5&A\V_3T$ "A$ & 'AL+W=O9 A)SZZ*=G:$#[4JM^L$D!JQ)[-1V8/CW M/0Z0L-IPPGXA-_O-DW..7]OT-TJ_FQ7GEGRDB30#;V5M=NO[)EKQE)DKE7$) M3Q9*I\S"I5[Z)M.]E5N$R'Y1!.3IRG3VSN> MJ,W "[W#C3>Q7%EWPQ_V,[;D4V[_S"8:KOQ2)18IET8H231?#+Q1>'M'6ZY# MT>(OP3?FZ)RX3YDK]>XNQO' "QP13WADG02#PYK?\R1Q2L#QWU[4*]_I.AZ? M']2?BH^'CYDSP^]5\E7$=C7P>AZ)^8+EB7U3FT]\_T%MIQ>IQ!2_9+-KVVI[ M),J-5>F^,Q"D0NZ.[&,?B*,.].9$![KO0 ONW8L*R@=FV;"OU89HUQK4W$GQ MJ45O@!/2965J-3P5T,\.'U240Y M&P$_R& %^7P->8^G 7Q ORQI?"6,T _86E MO X3%QK+-3>6:?)));&02W*O=*9T35Z^X6R5G"U4_A#8"S+;9K5X>/_>Y6>$ MHEU2M,^DF' ME*O!F$ EUP+A4F7E-95>IV3KG)7)L8RJR%^0J04\HC3D(Y=6 M;^$8U^+BZL\C!+%;(G;/0GP2"23KGNHX$%PF"\/*ZTT9CUBN!>F06+$0T6[0GL;#)6GW,FQW@F[81OAN2KZ;L_A&<0Q#WY0GI'"45UF;2%PR M#-I!X(I!&[XE=\DZ1CC#H#+FX,=([YTW0]G-U*;>EW&].V8A"6\J7W*,[VCB M"'^,KQP7$ZW60D:UH6P010=%6,T9(>KPW[--%#AI0OX6V[@SRJ"F$Q62F+>T2!"87A2BGI'6$T& M(6[A7[6PEDL(3)KF?2.K7$K MLZ>X.<\T*Y9XTVTZ5[4%UB PGL[>,)+*UBGNP(>HD,>/:,7DDI]?_"7%X,2?@"U(*K+KBSWNV'=Q=69<4>=*XL[&B+TQ5G8 NN 3Q?*&4/%VY; M6_XK,?P?4$L#!!0 ( /)F6%6?H!OPL0( .(, - >&PO9KEMWDOSAR+DCO9*ZW="C<\W[)&D/1ZY8^\XT M7'ND,E8QYU5;)VUC.2M;<%(R6=[<9(EB0M-BK3MUIUQ+#J;3;D-O:%*L*Z// MEI0&@U_*%">/3&[HEDFQMV)8RY20IV!>@N%@I+'$>2I\0Q=@:9\"O @:L!SC M**&-!6,2,H3O_;C\&3!IK5>%E#/!)0V&8MTPY[C5=UX9%@_&%Q 9Y=VI\0QK MRTZ+Y2T].PP_/LG>V)+;.'36-/+T08I:*Q[V_LL)BS6;_,C1 M6/'DL\&D'+R!6TH>N77B<&GY85FSX[V;IJFO<,[+?Y#SGZUSS36W3%Z2]J/_ M-U?Y+8R3\?1<'-&K SI;"5R$&_H5[E=YYD#VG9!.Z%$[BK+D^L4Y]>$=V_L+ M_"J^7U_RBG72[69P0\_R%UZ*3N7SJGNHR[CJ+'^&^VB1S;>PSR5TR7M>;D?5 MUOM!)%[P6<<'')XC=\,31S"?@,41P+ \& /,)WAA>?ZG_:S0_00,X[:*(BO4 M9X7Z!*\8LAT^6)ZX3^Z?^$[S/$VS#*OH=AMEL,7JEF7P%X^&<0,/+ ]D>ENM M\6[C$_+Z'& ]?6U"L)WBDXCM%*\U(/&Z@4>>Q[N-Y0$/K O8[$#^>!Z8J;A/ MFD)7,6[8"<:1/,<0F,7XC&894IT,/O'^8* \^>Q\ETWLJ.?]74_P$4$L#!!0 ( /)F6%67BKL

M-8?20$3;8T.P6BP^0"X99K>]9!:G7&BN"^)]NK+NY *W3"W M\RQ+50/>I"MJ(-.)_#1EZA$VY8<1(86>Y4)88TS<;_3\1C0>09:'[L#TA(XA M+@W#"CTN*+N@U6/@24DM0H#E>QV3N7TR@ZN6>1>9!CG*(.XLH/P4:V%&@/8-SF0 M!)?DJG547>EYIM M[IFBG#S^0W1UW6E\./VR./ /,+Q=Z*E%9"E*%1KD3,)HMC;!4N++3):BJ#(9 MBBJ6<%H@XLD@;6E6?;!/3K3G>1,)KM\,<'AT_@%02P,$% @ M\F985660>9(9 0 SP, !, !;0V]N=&5N=%]4>7!E&ULK9--3L,P M$(6O$F5;)2XL6*"F&V +77 !8T\:J_Z39UK2VS-.VDJ@$A6%3:QXWKS/GI>L MWH\1L.B=]=B4'5%\% )5!TYB'2)XKK0A.4G\FK8B2K636Q#WR^6#4,$3>*HH M>Y3KU3.T.EY&TWP39G 8ED\C<+,:DH9HS5*$M?%P>L?E.I$J+EST&!G M(BY84(JKA%SY'7#J>SM 2D9#L9&)7J5CE>BM0#I:P'K:XLH90]L:!3JHO>.6 M&F,"J;$#(&?KT70Q32:>,(S/N]G\P68*R,I-"A$YL01_QYTCR=U59"-(9*:O M>"&R]>S[04Y;@[Z1S>/]#&DWY(%B6.;/^'O&%_\;SO$1PNZ_/[&\UDX:?^:+ MX3]>?P%02P$"% ,4 " #R9EA5!T%-8H$ "Q $ M@ $ 9&]C4')O<',O87!P+GAM;%!+ 0(4 Q0 ( /)F6%4H00$%[P M "L" 1 " :\ !D;V-0&UL4$L! A0#% @ \F9851H?-OT]! H1 !@ M ("!#@@ 'AL+W=O7!E&UL4$L%!@ 0 ) D /@( .(3 $! 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 3.22.2.2 html 1 22 1 false 0 0 false 0 false false R1.htm 000 - Document - Document And Entity Information Sheet http://www.istr.com/20221024/role/statement-document-and-entity-information Document And Entity Information Cover 1 false false All Reports Book All Reports istr20220814_8k.htm ex_412384.htm istr-20221024.xsd istr-20221024_def.xml istr-20221024_lab.xml istr-20221024_pre.xml http://xbrl.sec.gov/dei/2021q4 true false JSON 14 MetaLinks.json IDEA: XBRL DOCUMENT { "instance": { "istr20220814_8k.htm": { "axisCustom": 0, "axisStandard": 0, "contextCount": 1, "dts": { "definitionLink": { "local": [ "istr-20221024_def.xml" ] }, "inline": { "local": [ "istr20220814_8k.htm" ] }, "labelLink": { "local": [ "istr-20221024_lab.xml" ] }, "presentationLink": { "local": [ "istr-20221024_pre.xml" ] }, "schema": { "local": [ "istr-20221024.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/20221024", "report": { "R1": { "firstAnchor": { "ancestors": [ "div", "body", "html" ], "baseRef": "istr20220814_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/20221024/role/statement-document-and-entity-information", "shortName": "Document And Entity Information", "subGroupType": "", "uniqueAnchor": { "ancestors": [ "div", "body", "html" ], "baseRef": "istr20220814_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/20221024/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/20221024/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/20221024/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/20221024/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/20221024/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/20221024/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/20221024/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/20221024/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/20221024/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/20221024/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/20221024/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/20221024/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/20221024/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/20221024/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/20221024/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/20221024/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/20221024/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/20221024/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/20221024/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/20221024/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/20221024/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/20221024/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/20221024/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/20221024/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/20221024/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 0001437749-22-024589-xbrl.zip IDEA: XBRL DOCUMENT begin 644 0001437749-22-024589-xbrl.zip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