0000824410-22-000012.txt : 20220421 0000824410-22-000012.hdr.sgml : 20220421 20220421082037 ACCESSION NUMBER: 0000824410-22-000012 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 14 CONFORMED PERIOD OF REPORT: 20220421 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20220421 DATE AS OF CHANGE: 20220421 FILER: COMPANY DATA: COMPANY CONFORMED NAME: SANDY SPRING BANCORP INC CENTRAL INDEX KEY: 0000824410 STANDARD INDUSTRIAL CLASSIFICATION: NATIONAL COMMERCIAL BANKS [6021] IRS NUMBER: 521532952 FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-19065 FILM NUMBER: 22839727 BUSINESS ADDRESS: STREET 1: 17801 GEORGIA AVE CITY: OLNEY STATE: MD ZIP: 20832 BUSINESS PHONE: 3017746400 MAIL ADDRESS: STREET 1: 17801 GEORGIA AVENUE CITY: OLNEY STATE: MD ZIP: 20832 8-K 1 sasr-20220421.htm 8-K sasr-20220421
April 21, 2022false000082441000008244102022-04-212022-04-21

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, DC 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
 
SANDY SPRING BANCORP, INC.
(Exact name of registrant as specified in its charter)
  
Maryland000-1906552-1532952
(State or other jurisdiction
of incorporation)
(Commission File Number)(IRS Employer
Identification No.)
 
17801 Georgia Avenue, Olney, Maryland 20832
(Address of principal executive offices, including zip code)
 
Registrant’s telephone number, including area code: (301) 774-6400
 
Not Applicable
(Former name or former address, if changed since last report)
 
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 classTrading Symbol(s)Name of exchange on which registered
Common Stock, par value $1.00 per shareSASRThe NASDAQ Stock Market LLC
 
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR §230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR §240.12b-2). 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 2.02Results of Operations and Financial Condition
 
On April 21, 2022, Sandy Spring Bancorp, Inc. (the “Company”) issued a news release announcing its results of operations and financial condition for the quarter ended March 31, 2022. A copy of the news release is included as Exhibit 99.1 to this report.
 
 
Item 9.01Financial Statements and Exhibits
 
Exhibits.
 
Exhibit No.Description
 
Press release dated April 21, 2022
 
104Cover Page Interactive Data File (embedded within the Inline XBRL document)




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.
 
 SANDY SPRING BANCORP, INC.
 (Registrant)
 
Date: April 21, 2022
By:/s/ Daniel J. Schrider
  Daniel J. Schrider
  President and Chief Executive Officer


EX-99.1 2 sasr-42122xexx991earningsr.htm EX-99.1 Document
Exhibit 99.1
tm2033877d1_ex99-1img01a.jpg
NEWS RELEASE

FOR IMMEDIATE RELEASE

SANDY SPRING BANCORP REPORTS FIRST QUARTER EARNINGS OF $43.9 MILLION
Company Reports Strong Deposit and Loan Growth

OLNEY, MARYLAND, April 21, 2022 — Sandy Spring Bancorp, Inc., (Nasdaq-SASR), the parent company of Sandy Spring Bank, reported net income of $43.9 million ($0.96 per diluted common share) for the quarter ended March 31, 2022, compared to net income of $75.5 million ($1.58 per diluted common share) for the first quarter of 2021 and $45.4 million ($0.99 per diluted common share) for the fourth quarter of 2021.

Current quarter core earnings were $45.1 million ($0.99 per diluted common share), compared to $83.5 million ($1.76 per diluted common share) for the quarter ended March 31, 2021 and $46.6 million ($1.02 per diluted common share) for the quarter ended December 31, 2021. Core earnings are determined by excluding the after-tax impact of merger and acquisition expense, the loss on FHLB redemptions, amortization of intangibles and investment securities gains.

The provision for credit losses for the current quarter was $1.6 million compared to a credit of $34.7 million for the first quarter of 2021 and a charge of $1.6 million for the fourth quarter of 2021.

“As a result of our steady deposit growth throughout 2021 and record commercial loan production in the fourth quarter, we entered 2022 with significant momentum. We capitalized on our position of strength and opportunities in our market, and we continued to deliver solid deposit and loan growth in the first quarter,” said Daniel J. Schrider, President and Chief Executive Officer.

“We are confident in our ability to successfully manage through the challenges associated with the volatile world events,” added Schrider. "We have a long-term view of our company, so we will lean on our 154 years of experience and focus on meeting the needs of our community - one client at a time.”

First Quarter Highlights:

Core earnings for the first quarter of 2022 were $45.1 million compared to $83.5 million for the prior year quarter. The decline in core earnings was primarily the product of the impact associated with the provision for credit losses as the prior year's results contained a significant credit to the allowance versus the current year's charge to the allowance. Compared to the first quarter of the prior year, exclusive of the impact of the provision for credit losses, the current quarter reflected a decline in both net interest income and non-interest income, which exceeded the reduction in non-interest expense.

At March 31, 2022, total assets were $13.0 billion, a 1% increase compared to $12.9 billion at March 31, 2021. During the previous twelve months, liquidity resulting from deposit growth and PPP loan forgiveness was utilized to fund the growth in the loan and investment securities portfolio, which occurred primarily in the previous two quarters.

Total loans, excluding PPP loans, increased 10% to $10.1 billion at March 31, 2022 compared to $9.1 billion at March 31, 2021. Excluding the impact of the PPP loan forgiveness, total commercial loans grew by $983.2 million or 13% during the previous twelve months. During this period, the Company generated new commercial gross loan production of $3.8 billion, of which $2.5 billion was funded, more than offsetting $1.5 billion in non-PPP commercial loan run-off. Funded commercial loan production increased 90% to $545.4 million during the first quarter of the current year compared to $287.7 million for the same quarter of the prior year.

Year-over-year deposits grew 2%, driven by 7% growth in noninterest-bearing deposits, reflecting the impact of the PPP program forgiveness and the growth in transaction relationships, while interest-bearing deposits declined 1% as a result of the attrition of time deposits.




During the current quarter, an offering of $200 million aggregate principal amount fixed-to-floating rate subordinated notes due in 2032 was completed. The entire amount of the debt is considered Tier 2 capital under current regulatory guidelines.

For the first quarter of 2022, the net interest margin was 3.49%, compared to 3.56% for the same quarter of 2021, and 3.51% for the fourth quarter of 2021. Excluding the amortization of the fair value marks derived from the previous acquisitions, the current quarter’s net interest margin was 3.49%, compared to 3.46% for first quarter of 2021, and 3.52% for the fourth quarter of 2021.

The provision for credit losses was $1.6 million for the current quarter compared to the prior year quarter’s credit to the provision of $34.7 million. The provision for the current quarter is a reflection of the growth in the loan portfolio, coupled with the management's consideration of the potential impact of recessionary pressures which exceeded the benefit to the provision derived from continuing improvement in forecasted macroeconomic indicators.

Non-interest income for the current quarter decreased by 29% or $8.3 million compared to the prior year quarter. Income from mortgage banking activities declined 77% and other non-interest income decreased 45% compared to the first quarter of 2021. These decreases were partially offset by 7% growth in wealth management income, 26% growth in service charges on deposit accounts and a 10% increase in bank card fees.

Non-interest expense for the current quarter decreased $6.0 million or 9% compared to the prior year quarter. The prior year's non-interest expense included a $9.1 million loss from the redemption of FHLB borrowings and was the main driver of the quarter over quarter decline. Excluding the loss on the redemption, non-interest expense increased 5% compared to the prior year quarter driven by an increase in compensation cost, predominantly benefit costs.

Return on average assets (“ROA”) for the quarter ended March 31, 2022 was 1.42% and return on average tangible common equity (“ROTCE”) was 16.04% compared to 1.41% and 16.07%, respectively, for the fourth quarter of 2021. On a non-GAAP basis, the current quarter's core ROA was 1.45% and core ROTCE was 16.45% compared to core ROA of 1.44% and core ROTCE of 16.49% for the fourth quarter of 2021.

For the first quarter of 2022, the GAAP efficiency ratio was 50.92% compared to 51.08% for the first quarter of 2021, and 51.75% for the fourth quarter of 2021. The non-GAAP efficiency ratio for the first quarter of 2022 was 49.34% compared to 42.65% for the prior year quarter, and 50.17% for the fourth quarter of 2021. The combination of a decline in non-interest income and an increase in non-interest expense drove the erosion of the non-GAAP efficiency ratio compared to prior year quarter.

On March 30, 2022, the Company's board of directors authorized a stock repurchase plan that permits the repurchase of up to $50.0 million in shares of common stock. No shares of common stock have been repurchased under this plan.

Balance Sheet and Credit Quality

Total assets grew 1% to $13.0 billion at March 31, 2022, as compared to $12.9 billion at March 31, 2021. During this period, total loans declined by 3% to $10.1 billion at March 31, 2022, compared to $10.4 billion at March 31, 2021 driven by the $1.2 billion year-over-year reduction in PPP loans. Excluding the impact of the PPP loan forgiveness, total commercial loans grew by $983.2 million or 13% during the past twelve months. During this period, the Company generated commercial gross loan production of $3.8 billion, of which $2.5 billion was funded, offsetting $1.5 billion in commercial loan run-off. During the first quarter of 2022, funded commercial loan production was $545.4 million, an increase of 90% compared to $287.7 million for the same quarter of the prior year. The growth in the commercial portfolio, excluding PPP loans, occurred in all commercial portfolios led by the $735.9 million or 20% growth in the investor owned commercial portfolio. Year-over-year the consumer loan portfolio declined 15%, due to the run-off of home equity loan and line products, a result of the refinancing activity in the residential mortgage markets.

During the past twelve months, deposits increased 2%, driven by 7% growth in noninterest-bearing deposits reflecting the impact of the PPP program forgiveness and the growth in transaction relationships, while interest-bearing deposits declined 1% as a result of the attrition of rate advantaged time deposits. Savings and money market categories experienced year-over-year growth in excess of 3%.

The tangible common equity ratio decreased to 8.70% of tangible assets at March 31, 2022, compared to 8.90% at March 31, 2021 as a result of the $107.3 million repurchase of common shares during 2021 and the $66.6 million increase in the



accumulated other comprehensive loss coupled with the increase in tangible assets during the past year. At March 31, 2022, the Company had a total risk-based capital ratio of 16.77%, a common equity tier 1 risk-based capital ratio of 12.03%, a tier 1 risk-based capital ratio of 12.03%, and a tier 1 leverage ratio of 9.66%.

Non-performing loans include non-accrual loans, accruing loans 90 days or more past due and restructured loans. At March 31, 2022, the level of non-performing loans to total loans was 0.46% compared to 0.94% at March 31, 2021, and 0.49% at December 31, 2021. At March 31, 2022, non-performing loans totaled $46.3 million, compared to $98.7 million at March 31, 2021, and $48.8 million at December 31, 2021. Loans placed on non-accrual during the current quarter amounted to $1.5 million compared to $0.4 million for the prior year quarter and $0.5 million for the fourth quarter of 2021. Non-accrual loans at quarter end declined from the prior quarter due primarily to payoff activity. Loans greater than 90 days or more past due decreased from the prior quarter as a result of the extension of existing performing portfolio loans that were in process of being extended at the end of the prior quarter end.

The Company recorded net charge-offs of $0.2 million for the first quarter of 2022, as compared to net charge-offs of $0.3 million for the first quarter of 2021 and net charge-offs of $0.4 million for the fourth quarter of 2021.

At March 31, 2022, the allowance for credit losses was $110.6 million or 1.09% of outstanding loans and 239% of non-performing loans, compared to $109.1 million or 1.10% of outstanding loans and 224% of non-performing loans at the end of the previous quarter. Excluding PPP loans, the allowance for credit losses to outstanding loans was 1.10% at March 31, 2022. The increase in the allowance during the current quarter compared to the previous quarter was the result of the growth in the loan portfolio during the quarter, net of the impact of continued improvement in forecasted economic metrics, in addition to the update to various metrics applied in the determination of the allowance for credit losses, which included management's consideration of the potential impact of recessionary pressures.

Income Statement Review

Quarterly Results

The Company recorded net income of $43.9 million for the three months ended March 31, 2022, compared to net income of $75.5 million for the prior year quarter. The primary driver of the decline in earnings was the activity associated with the provision for credit losses as the prior year's results contained a significant credit to the allowance versus the current year's charge to the allowance. Exclusive of the impact of the provision for credit losses, compared to the first quarter of the prior year, the current quarter reflected a decline in both net interest income and non-interest income, which exceeded the reduction in non-interest expense. The decline in net interest income was driven by the net impact of lower PPP and mortgage loan income that exceeded the reduction in interest expense. Non-interest income declined as a result of lower mortgage banking income, the result of rising mortgage interest rates during the previous twelve months. Non-interest expense decreased as a result of the prior year's inclusion of the $9.1 million loss on the redemption of FHLB borrowings that more than offset the increase in compensation expense in the current quarter compared to the prior year quarter.

For the first quarter of 2022, net interest income decreased $3.1 million or 3% compared to the first quarter of 2021, due to the combined impact of the $8.2 million reduction in interest income being partially offset by a $5.1 million reduction in interest expense during the preceding twelve months. The decline in interest income was driven by a $7.7 million decline in interest and fees on PPP loans and a $1.8 million decline in interest income on residential mortgage loans during the previous twelve months. The decrease in interest expense was the result of the prior year's liquidation of FHLB borrowings, in addition to the run-off of time deposits and lower interest expense associated with money market deposits. The net interest margin for the first quarter of 2022 was 3.49% as compared to 3.56% for the same quarter of the prior year, as the 23 basis point decline in yield on interest-earning assets was only partially offset by the 24 basis point decline in the rate paid on interest-bearing liabilities. Net interest margin excluding the effects of amortization of the fair value marks derived from acquisitions remained at 3.49% for the current quarter compared to 3.46% for first quarter of 2021.

The provision for credit losses was $1.6 million for the first quarter of 2022 compared to a credit of $34.7 million for the first quarter of 2021. The provision for credit losses for the fourth quarter of 2021 was a charge of $1.6 million. The current quarter's provision reflects the continued improvement in the forecasted macroeconomic indicators which resulted in credits for the provision for credit losses during the current quarter, that were offset by the impact of potential recessionary pressures and the growth in the loan portfolio that occurred during the quarter.

Non-interest income decreased $8.3 million or 29% for the first quarter of 2022, compared to the prior year quarter. This decrease is the result of a $7.9 million or 77% decline in income from mortgage banking activities, which exceeded the 7% growth in wealth management income, 26% growth in service charges on deposit accounts and 10% growth in bank card fees. In



addition, other non-interest income declined 45% compared to the prior year primarily as a result of a decrease in credit related fees.

Non-interest expense decreased $6.0 million or 9% for the first quarter of 2022, compared to the prior year quarter. The prior year's non-interest expense included a $9.1 million loss from the redemption of FHLB borrowings and was the major cause of the quarter over quarter decline. Excluding the loss on the redemption, non-interest expense increased 5% compared to the prior year quarter driven by an increase in compensation expense, predominantly benefit costs. Overall, the increase reflects the net impact of the 7% increase in compensation and benefit costs and a 17% increase in professional fees, partially offset by an 8% decrease in occupancy expense and a 34% reduction in FDIC insurance expense.

For the first quarter of 2022, the GAAP efficiency ratio was 50.92% compared to 51.08% for the first quarter of 2021, and 51.75% for the fourth quarter of 2021. The non-GAAP efficiency ratio was 49.34% for the current quarter as compared to 42.65% for the first quarter of 2021, and 50.17% for the fourth quarter of 2021. The increase in the non-GAAP efficiency ratio (reflecting a decrease in efficiency) from the first quarter of the prior year to the current year quarter was primarily the result of the 9% decline in non-GAAP revenue, driven chiefly by the decrease in income from mortgage banking activities. ROA for the first quarter ended March 31, 2022 was 1.42% and ROTCE was 16.04% compared to 1.41% and 16.07%, respectively, for the fourth quarter of 2021. On a non-GAAP basis, the current quarter's core ROA was 1.45% and core ROTCE was 16.45% compared to core ROA of 1.44% and core ROTCE of 16.49% for the fourth quarter of 2021.

Explanation of Non-GAAP Financial Measures

This news release contains financial information and performance measures determined by methods other than in accordance with generally accepted accounting principles in the United States (“GAAP”). The Company’s management believes that the supplemental non-GAAP information provides a better comparison of period-to-period operating performance. Additionally, the Company believes this information is utilized by regulators and market analysts to evaluate a company’s financial condition and therefore, such information is useful to investors. Non-GAAP measures used in this release consist of the following:

Tangible common equity and related measures are non-GAAP measures that exclude the impact of goodwill and other intangible assets.
The non-GAAP efficiency ratio excludes amortization of intangible assets, loss on FHLB redemption, merger and acquisition expense and investment securities gains and includes tax-equivalent income.
Core earnings and the related measures of core earnings per diluted common share, core return on average assets and core return on average tangible common equity reflect net income exclusive of merger and acquisition expense, amortization of intangible assets, loss on FHLB redemption, and investment securities gains, on a net of tax basis.

These disclosures should not be viewed as a substitute for financial results in accordance with GAAP, nor are they necessarily comparable to non-GAAP performance measures which may be presented by other companies. Please refer to the non-GAAP Reconciliation tables included with this release for a reconciliation of these non-GAAP measures to the most directly comparable GAAP measure.

Conference Call

The Company’s management will host a conference call to discuss its first quarter results today at 2:00 p.m. (ET). A live Webcast of the conference call is available through the Investor Relations section of the Sandy Spring Website at www.sandyspringbank.com. Participants may call 1-844-200-6205. Please use the following access code: 263081. Visitors to the Website are advised to log on 10 minutes ahead of the scheduled start of the call. An internet-based replay will be available on the website until May 5, 2022. A replay of the teleconference will be available through the same time period by calling 1-866-813-9403 under conference call number 793380.

About Sandy Spring Bancorp, Inc.

Sandy Spring Bancorp, Inc., headquartered in Olney, Maryland, is the holding company for Sandy Spring Bank, a premier community bank in the Greater Washington, D.C. region. With over 50 locations, the bank offers a broad range of commercial and retail banking, mortgage, private banking, and trust services throughout Maryland, Northern Virginia, and Washington, D.C.



Through its subsidiaries, Rembert Pendleton Jackson, Sandy Spring Insurance Corporation and West Financial Services, Inc., Sandy Spring Bank also offers a comprehensive menu of insurance and wealth management services.

Category: Webcast
Source: Sandy Spring Bancorp, Inc.
Code: SASR-E

For additional information or questions, please contact:
Daniel J. Schrider, President & Chief Executive Officer, or
Philip J. Mantua, E.V.P. & Chief Financial Officer
Sandy Spring Bancorp
17801 Georgia Avenue
Olney, Maryland 20832
1-800-399-5919
Email: DSchrider@sandyspringbank.com
PMantua@sandyspringbank.com
Website: www.sandyspringbank.com

Media Contact:
Jen Schell
301-570-8331
jschell@sandyspringbank.com

Forward-Looking Statements

Sandy Spring Bancorp’s forward-looking statements are subject to the following principal risks and uncertainties: risks, uncertainties and other factors relating to the COVID-19 pandemic, including the effect of the pandemic on our borrowers and their ability to make payments on their obligations, the effectiveness of vaccination programs, and the effect of remedial actions and stimulus measures adopted by federal, state and local governments; general economic conditions and trends, either nationally or locally; conditions in the securities markets; changes in interest rates; changes in deposit flows, and in the demand for deposit, loan, and investment products and other financial services; changes in real estate values; changes in the quality or composition of the Company’s loan or investment portfolios; changes in competitive pressures among financial institutions or from non-financial institutions; the Company’s ability to retain key members of management; changes in legislation, regulations, and policies; the possibility that any of the anticipated benefits of acquisitions will not be realized or will not be realized within the expected time period; and a variety of other matters which, by their nature, are subject to significant uncertainties. Sandy Spring Bancorp provides greater detail regarding some of these factors in its Form 10-K for the year ended December 31, 2021, including in the Risk Factors section of that report, and in its other SEC reports. Sandy Spring Bancorp’s forward-looking statements may also be subject to other risks and uncertainties, including those that it may discuss elsewhere in this news release or in its filings with the SEC, accessible on the SEC’s Web site at www.sec.gov.




Sandy Spring Bancorp, Inc. and Subsidiaries
FINANCIAL HIGHLIGHTS - UNAUDITED

Three Months Ended
March 31,
%
Change
(Dollars in thousands, except per share data)
20222021
Results of operations:
Net interest income$101,451$104,600(3)%
Provision/ (credit) for credit losses1,635(34,708)(105)
Non-interest income20,59528,866(29)
Non-interest expense62,14768,173(9)
Income before income tax expense58,264100,001(42)
Net income43,93575,464(42)
Net income attributable to common shareholders$43,667$74,824(42)
Pre-tax pre-provision net income (1)
$59,899$65,293(8)
Return on average assets1.42 %2.39 %
Return on average common equity11.83 %20.72 %
Return on average tangible common equity (1)
16.04 %28.47 %
Net interest margin3.49 %3.56 %
Efficiency ratio - GAAP basis (2)
50.92 %51.08 %
Efficiency ratio - Non-GAAP basis (2)
49.34 %42.65 %
Per share data:
Basic net income per common share$0.97$1.59(39)%
Diluted net income per common share$0.96$1.58(39)
Weighted average diluted common shares45,333,29247,415,060(4)
Dividends declared per share$0.34$0.32
Book value per common share$32.97$32.04
Tangible book value per common share (1)
$24.23$23.54
Outstanding common shares45,162,90847,187,389(4)
Financial condition at period-end:
Investment securities$1,586,441$1,472,727%
Loans10,144,32810,446,866(3)
Interest-earning assets12,205,05812,132,405
Assets12,967,41612,873,366
Deposits10,852,79410,677,752
Interest-bearing liabilities7,313,7837,423,262(1)
Stockholders' equity1,488,9101,511,694(2)
Capital ratios:
Tier 1 leverage (3)
9.66 %9.14 %
Common equity tier 1 capital to risk-weighted assets (3)
12.03 %12.11 %
Tier 1 capital to risk-weighted assets (3)
12.03 %12.11 %
Total regulatory capital to risk-weighted assets (3)
16.77 %15.52 %
Tangible common equity to tangible assets (4)
8.70 %8.90 %
Average equity to average assets11.98 %11.54 %
Credit quality ratios:
Allowance for credit losses to loans1.09 %1.25 %
Non-performing loans to total loans0.46 %0.94 %
Non-performing assets to total assets0.37 %0.78 %
Allowance for credit losses to non-performing loans238.72 %132.08 %
Annualized net charge-offs to average loans (5)
0.01 %0.01 %

(1)Represents a non-GAAP measure.
(2)The efficiency ratio - GAAP basis is non-interest expense divided by net interest income plus non-interest income from the Consolidated Statements of Income. The traditional efficiency ratio - Non-GAAP basis excludes intangible asset amortization, loss on FHLB redemption, and merger and acquisition expense from non-interest expense; securities gains from non-interest income and adds the tax- equivalent adjustment to net interest income. See the Reconciliation Table included with these Financial Highlights.
(3)Estimated ratio at March 31, 2022.
(4)The tangible common equity to tangible assets ratio is a non-GAAP ratio that divides assets excluding intangible assets into stockholders' equity after deducting intangible assets. See the Reconciliation Table included with these Financial Highlights.
(5)Calculation utilizes average loans, excluding residential mortgage loans held-for-sale.



Sandy Spring Bancorp, Inc. and Subsidiaries
RECONCILIATION TABLE - UNAUDITED (CONTINUED)
OPERATING EARNINGS - METRICS

Three Months Ended
March 31,
(Dollars in thousands)20222021
Core earnings (non-GAAP):
Net income (GAAP)$43,935$75,464
Plus/ (less) non-GAAP adjustments (net of tax):
Merger and acquisition expense34
Amortization of intangible assets1,1211,264
Loss on FHLB redemption6,792
Investment securities gains(6)(43)
Core earnings (Non-GAAP)$45,050$83,511
Core earnings per diluted common share (non-GAAP):
Weighted average common shares outstanding - diluted (GAAP)45,333,29247,415,060
Earnings per diluted common share (GAAP)$0.96$1.58
Core earnings per diluted common share (non-GAAP)$0.99$1.76
Core return on average assets (non-GAAP):
Average assets (GAAP)$12,576,089$12,801,539
Return on average assets (GAAP)
1.42 %2.39 %
Core return on average assets (non-GAAP)1.45 %2.65 %
Core return on average tangible common equity (non-GAAP):
Average total stockholders' equity (GAAP)$1,506,516$1,477,150
Average goodwill(370,223)(370,223)
Average other intangible assets, net(25,368)(31,896)
Average tangible common equity (non-GAAP)$1,110,925$1,075,031
Return on average tangible common equity (non-GAAP)
16.04 %28.47 %
Core return on average tangible common equity (non-GAAP)16.45 %31.50 %




Sandy Spring Bancorp, Inc. and Subsidiaries
RECONCILIATION TABLE - UNAUDITED

Three Months Ended
March 31,
(Dollars in thousands)20222021
Pre-tax pre-provision net income:
Net income (GAAP)$43,935$75,464
Plus/ (less) non-GAAP adjustments:
Income tax expense14,32924,537
Provision/ (credit) for credit losses1,635(34,708)
Pre-tax pre-provision net income (non-GAAP)$59,899$65,293
Efficiency ratio (GAAP):
Non-interest expense$62,147$68,173
Net interest income plus non-interest income$122,046$133,466
Efficiency ratio (GAAP)50.92%51.08 %
Efficiency ratio (Non-GAAP):
Non-interest expense$62,147$68,173
Less non-GAAP adjustments:
Amortization of intangible assets1,5081,697
Loss on FHLB redemption9,117
Merger and acquisition expense45
Non-interest expense - as adjusted$60,639$57,314
Net interest income plus non-interest income
$122,046$133,466
Plus non-GAAP adjustment:
Tax-equivalent income866980
Less non-GAAP adjustment:
Investment securities gains858
Net interest income plus non-interest income - as adjusted$122,904$134,388
Efficiency ratio (Non-GAAP)
49.34%42.65 %
Tangible common equity ratio:
Total stockholders' equity$1,488,910$1,511,694
Goodwill(370,223)(370,223)
Other intangible assets, net(24,412)(30,824)
Tangible common equity$1,094,275$1,110,647
Total assets
$12,967,416$12,873,366
Goodwill(370,223)(370,223)
Other intangible assets, net(24,412)(30,824)
Tangible assets$12,572,781$12,472,319
Tangible common equity ratio
8.70%8.90 %
Outstanding common shares45,162,90847,187,389
Tangible book value per common share$24.23$23.54





Sandy Spring Bancorp, Inc. and Subsidiaries
CONDENSED CONSOLIDATED STATEMENTS OF CONDITION - UNAUDITED

(Dollars in thousands)March 31,
2022
December 31,
2021
March 31,
2021
Assets
Cash and due from banks$96,074 $65,630 $100,739 
Federal funds sold370 312 285 
Interest-bearing deposits with banks456,382 354,078 127,597 
Cash and cash equivalents552,826 420,020 228,621 
Residential mortgage loans held for sale (at fair value)17,537 39,409 84,930 
Investments held-to-maturity (fair value of $275,834)285,339 — — 
Investments available-for-sale (at fair value)1,259,945 1,465,896 1,427,880 
Other equity securities41,157 41,166 44,847 
Total loans10,144,328 9,967,091 10,446,866 
Less: allowance for credit losses(110,588)(109,145)(130,361)
Net loans10,033,740 9,857,946 10,316,505 
Premises and equipment, net61,434 59,685 55,361 
Other real estate owned1,034 1,034 1,354 
Accrued interest receivable33,528 34,349 44,559 
Goodwill370,223 370,223 370,223 
Other intangible assets, net24,412 25,920 30,824 
Other assets286,241 275,078 268,262 
Total assets$12,967,416 $12,590,726 $12,873,366 
Liabilities
Noninterest-bearing deposits
$4,039,797 $3,779,630 $3,770,852 
Interest-bearing deposits6,812,997 6,845,101 6,906,900 
Total deposits10,852,794 10,624,731 10,677,752 
Securities sold under retail repurchase agreements and federal funds purchased130,784 141,086 189,318 
Advances from FHLB — 100,000 
Subordinated debt370,002 172,712 227,044 
Total borrowings500,786 313,798 516,362 
Accrued interest payable and other liabilities124,926 132,518 167,558 
Total liabilities11,478,506 11,071,047 11,361,672 
Stockholders' equity
Common stock -- par value $1.00; shares authorized 100,000,000; shares issued and outstanding 45,162,908, 45,118,930 and 47,187,389 at March 31, 2022, December 31, 2021 and March 31, 2021, respectively
45,163 45,119 47,187 
Additional paid in capital752,671 751,072 849,606 
Retained earnings760,347 732,027 617,553 
Accumulated other comprehensive loss(69,271)(8,539)(2,652)
Total stockholders' equity1,488,910 1,519,679 1,511,694 
Total liabilities and stockholders' equity$12,967,416 $12,590,726 $12,873,366 



Sandy Spring Bancorp, Inc. and Subsidiaries
CONDENSED CONSOLIDATED STATEMENTS OF INCOME - UNAUDITED

Three Months Ended
March 31,
(Dollars in thousands, except per share data)20222021
Interest income:
Interest and fees on loans$99,494 $107,428 
Interest on loans held for sale198 537 
Interest on deposits with banks113 46 
Interest and dividends on investment securities:
Taxable4,107 3,899 
Tax-advantaged2,124 2,351 
Interest on federal funds sold — 
Total interest income106,036 114,261 
Interest Expense:
Interest on deposits2,293 4,830 
Interest on retail repurchase agreements and federal funds purchased
54 53 
Interest on advances from FHLB 2,276 
Interest on subordinated debt2,238 2,502 
Total interest expense4,585 9,661 
Net interest income101,451 104,600 
Provision/ (credit) for credit losses1,635 (34,708)
Net interest income after provision/ (credit) for credit losses99,816 139,308 
Non-interest income:
Investment securities gains8 58 
Service charges on deposit accounts2,326 1,852 
Mortgage banking activities2,298 10,169 
Wealth management income9,337 8,730 
Insurance agency commissions2,115 2,153 
Income from bank owned life insurance795 680 
Bank card fees1,668 1,518 
Other income2,048 3,706 
Total non-interest income20,595 28,866 
Non-interest expense:
Salaries and employee benefits39,373 36,652 
Occupancy expense of premises5,034 5,487 
Equipment expenses3,536 3,222 
Marketing1,193 1,212 
Outside data services2,419 2,283 
FDIC insurance984 1,492 
Amortization of intangible assets1,508 1,697 
Merger and acquisition expense 45 
Professional fees and services2,017 1,731 
Other expenses6,083 14,352 
Total non-interest expense62,147 68,173 
Income before income tax expense58,264 100,001 
Income tax expense14,329 24,537 
Net income$43,935 $75,464 

Net income per share amounts:
Basic net income per common share$0.97 $1.59 
Diluted net income per common share$0.96 $1.58 
Dividends declared per share$0.34 $0.32 



Sandy Spring Bancorp, Inc. and Subsidiaries
HISTORICAL TRENDS - QUARTERLY FINANCIAL DATA - UNAUDITED

20222021
(Dollars in thousands, except per share data)Q1Q4Q3Q2Q1
Profitability for the quarter:
Tax-equivalent interest income
$106,902$110,933$112,060$115,753$115,241
Interest expense    
4,5854,8034,5256,7779,661
Tax-equivalent net interest income102,317106,130107,535108,976105,580
Tax-equivalent adjustment
866862931930980
Provision/ (credit) for credit losses1,6351,585(8,229)(4,204)(34,708)
Non-interest income
20,59522,53624,39426,25928,866
Non-interest expense
62,14766,14163,18162,97568,173
Income before income tax expense58,26460,07876,04675,534100,001
Income tax expense14,32914,67419,07018,27124,537
Net income$43,935$45,404$56,976$57,263$75,464
GAAP financial performance:
Return on average assets1.42 %1.41 %1.75 %1.79 %2.39 %
Return on average common equity11.83 %11.87 %14.54 %15.07 %20.72 %
Return on average tangible common equity16.04 %16.07 %19.56 %20.44 %28.47 %
Net interest margin3.49 %3.51 %3.52 %3.63 %3.56 %
Efficiency ratio - GAAP basis (1)
50.92 %51.75 %48.23 %46.89 %51.08 %
Non-GAAP financial performance:
Pre-tax pre-provision net income$59,899$61,663$67,817$71,330$65,293
Core after-tax earnings$45,050$46,575$58,151$58,446$83,511
Core return on average assets1.45 %1.44 %1.79 %1.83 %2.65 %
Core return on average common equity12.13 %12.17 %14.84 %15.38 %22.93 %
Core return on average tangible common equity16.45 %16.49 %19.96 %20.87 %31.50 %
Core earnings per diluted common share$0.99$1.02$1.23$1.23$1.76
Efficiency ratio - Non-GAAP basis (1)
49.34 %50.17 %46.67 %45.36 %42.65 %
Per share data:
Net income attributable to common shareholders$43,667$45,114$56,622$56,782$74,824
Basic net income per common share$0.97$0.99$1.21$1.20$1.59
Diluted net income per common share$0.96$0.99$1.20$1.19$1.58
Weighted average diluted common shares45,333,29245,655,92447,086,82447,523,19847,415,060
Dividends declared per share$0.34$0.32$0.32$0.32$0.32
Non-interest income:
Securities gains$8$34$49$71$58
Service charges on deposit accounts2,3262,3052,1081,9761,852
Mortgage banking activities2,2983,6224,9425,77610,169
Wealth management income9,3379,5989,3929,1218,730
Insurance agency commissions2,1151,3322,2851,2472,153
Income from bank owned life insurance795819818705680
Bank card fees1,6681,8181,7751,7851,518
Other income2,0483,0083,0255,5783,706
Total non-interest income$20,595$22,536$24,394$26,259$28,866
Non-interest expense:
Salaries and employee benefits$39,373$41,535$38,653$38,990$36,652
Occupancy expense of premises5,0345,6935,7285,4975,487
Equipment expenses3,5363,4273,2143,0203,222
Marketing1,1931,0901,3761,0521,212
Outside data services2,4192,1232,3172,2602,283
FDIC insurance9849913611,4501,492
Amortization of intangible assets1,5081,6091,6351,6591,697
Merger and acquisition expense45
Professional fees and services2,0172,3813,0313,1651,731
Other expenses6,0837,2926,8665,88214,352
Total non-interest expense$62,147$66,141$63,181$62,975$68,173
(1) The efficiency ratio - GAAP basis is non-interest expense divided by net interest income plus non-interest income from the Condensed Consolidated Statements of Income. The traditional efficiency ratio - Non-GAAP basis excludes intangible asset amortization, loss on FHLB redemption, and merger and acquisition expense from non-interest expense; investment securities gains from non-interest income; and adds the tax- equivalent adjustment to net interest income. See the Reconciliation Table included with these Financial Highlights.



Sandy Spring Bancorp, Inc. and Subsidiaries
HISTORICAL TRENDS - QUARTERLY FINANCIAL DATA - UNAUDITED
20222021
(Dollars in thousands, except per share data)Q1Q4Q3Q2Q1
Balance sheets at quarter end:
Commercial investor real estate loans$4,388,275$4,141,346$3,743,698$3,712,374$3,652,418
Commercial owner-occupied real estate loans1,692,2531,690,8811,661,0921,687,8431,644,848
Commercial AD&C loans1,089,3311,088,0941,177,9491,126,9601,051,013
Commercial business loans1,349,6021,481,8341,594,5281,974,3662,411,109
Residential mortgage loans1,000,697937,570911,997960,5271,022,546
Residential construction loans204,259197,652181,319172,869171,028
Consumer loans419,911429,714450,765457,576493,904
Total loans10,144,3289,967,0919,721,34810,092,51510,446,866
Allowance for credit losses(110,588)(109,145)(107,920)(123,961)(130,361)
Loans held for sale17,53739,40944,67871,08284,930
Investment securities1,586,4411,507,0621,470,6521,482,1231,472,727
Interest-earning assets12,205,05811,867,95212,245,37412,167,06712,132,405
Total assets12,967,41612,590,72613,017,46412,925,57712,873,366
Noninterest-bearing demand deposits4,039,7973,779,6303,987,4114,000,6363,770,852
Total deposits10,852,79410,624,73110,987,40010,866,46610,677,752
Customer repurchase agreements130,784141,086147,504140,708129,318
Total interest-bearing liabilities7,313,7837,158,8997,320,1327,233,5367,423,262
Total stockholders' equity1,488,9101,519,6791,546,0601,562,2801,511,694
Quarterly average balance sheets:
Commercial investor real estate loans$4,220,246$3,769,529$3,678,886$3,675,119$3,634,174
Commercial owner-occupied real estate loans1,683,5571,669,7371,671,4421,663,5431,638,885
Commercial AD&C loans1,102,6601,140,0591,161,1831,089,2871,049,597
Commercial business loans1,372,7551,482,9011,820,5982,225,8852,291,097
Residential mortgage loans964,056925,093934,365994,8991,066,714
Residential construction loans197,366186,129170,511176,135179,925
Consumer loans424,859436,030452,289468,686496,578
Total loans9,965,4999,609,4789,889,27410,293,55410,356,970
Loans held for sale17,59429,42650,07566,95882,263
Investment securities1,617,6151,535,2651,403,4961,482,9051,407,455
Interest-earning assets11,859,80312,012,57612,121,04812,037,70112,029,424
Total assets12,576,08912,791,52612,886,46012,798,35512,801,539
Noninterest-bearing demand deposits3,758,7323,879,5723,869,2933,763,1353,394,110
Total deposits10,542,02910,809,66510,832,11510,663,34610,343,190
Customer repurchase agreements131,487144,988145,483136,286148,195
Total interest-bearing liabilities7,163,6417,247,7567,315,0217,356,6567,742,987
Total stockholders' equity1,506,5161,517,7931,554,7651,523,8751,477,150
Financial measures:
Average equity to average assets11.98 %11.87 %12.07 %11.91 %11.54 %
Investment securities to earning assets13.00 %12.70 %12.01 %12.18 %12.14 %
Loans to earning assets83.12 %83.98 %79.39 %82.95 %86.11 %
Loans to assets78.23 %79.16 %74.68 %78.08 %81.15 %
Loans to deposits93.47 %93.81 %88.48 %92.88 %97.84 %
Assets under management$5,793,787$6,078,204$5,733,311$5,676,141$5,401,158
Capital measures:
Tier 1 leverage (1)
9.66 %9.26 %9.33 %9.49 %9.14 %
Common equity tier 1 capital to risk-weighted assets (1)
12.03 %11.91 %12.53 %12.49 %12.11 %
Tier 1 capital to risk-weighted assets (1)
12.03 %11.91 %12.53 %12.49 %12.11 %
Total regulatory capital to risk-weighted assets (1)
16.77 %14.59 %15.30 %15.85 %15.52 %
Book value per common share$32.97$33.68$33.52$33.02$32.04
Outstanding common shares
45,162,90845,118,93046,119,07447,312,98247,187,389
(1) Estimated ratio at March 31, 2022.




Sandy Spring Bancorp, Inc. and Subsidiaries
LOAN PORTFOLIO QUALITY DETAIL - UNAUDITED
20222021
(Dollars in thousands)March 31,December 31,September 30,June 30,March 31,
Non-performing assets:
Loans 90 days past due:
Commercial real estate:
Commercial investor real estate$ $— $14,830 $— $— 
Commercial owner-occupied real estate — — — — 
Commercial AD&C — 7,344 — — 
Commercial business  — — — 31 
Residential real estate:
Residential mortgage 296 557 679 680 398 
Residential construction — — — — 
Consumer — — — — 
Total loans 90 days past due
296 557 22,853 680 429 
Non-accrual loans:
Commercial real estate:
Commercial investor real estate 11,743 12,489 15,386 42,072 42,776 
Commercial owner-occupied real estate8,083 9,306 9,854 8,183 8,316 
Commercial AD&C1,081 650 1,022 14,489 14,975 
Commercial business8,357 8,420 9,454 9,435 13,147 
Residential real estate:
Residential mortgage 8,148 8,441 9,511 9,440 9,593 
Residential construction51 55 62 62 — 
Consumer6,406 6,725 7,826 7,718 7,193 
Total non-accrual loans43,869 46,086 53,115 91,399 96,000 
Total restructured loans - accruing2,161 2,167 2,199 2,228 2,271 
Total non-performing loans46,326 48,810 78,167 94,307 98,700 
Other assets and other real estate owned (OREO)1,034 1,034 1,105 1,234 1,354 
Total non-performing assets$47,360 $49,844 $79,272 $95,541 $100,054 

For the Quarter Ended,
(Dollars in thousands)
March 31,
2022
December 31,
2021
September 30,
2021
June 30,
2021
March 31,
2021
Analysis of non-accrual loan activity:
Balance at beginning of period$46,086$53,115$91,399$96,000$112,361
Non-accrual balances transferred to OREO
(257)
Non-accrual balances charged-off(265)(754)(7,171)(2,166)(699)
Net payments or draws(2,787)(5,786)(36,526)(3,693)(16,028)
Loans placed on non-accrual1,5035115,6991,515421
Non-accrual loans brought current(668)(1,000)(286)(55)
Balance at end of period$43,869$46,086$53,115$91,399$96,000
Analysis of allowance for credit losses:
Balance at beginning of period$109,145$107,920$123,961$130,361$165,367
Provision/ (credit) for credit losses1,6351,585(8,229)(4,204)(34,708)
Less loans charged-off, net of recoveries:
Commercial real estate:
    Commercial investor real estate(19)(109)5,797(144)(27)
Commercial owner-occupied real estate136
Commercial AD&C2,007
Commercial business 111564(53)2,359634
Residential real estate:
Residential mortgage120(80)(49)(11)(270)
Residential construction(2)(2)(1)
Consumer(20)(13)(24)(7)(39)
Net charge-offs1923607,8122,196298
Balance at the end of period$110,588$109,145$107,920$123,961$130,361
Asset quality ratios:
Non-performing loans to total loans0.46 %0.49 %0.80 %0.93 %0.94 %
Non-performing assets to total assets0.37 %0.40 %0.61 %0.74 %0.78 %
Allowance for credit losses to loans1.09 %1.10 %1.11 %1.23 %1.25 %
Allowance for credit losses to non-performing loans238.72 %223.61 %138.06 %131.44 %132.08 %
Annualized net charge-offs/ (recoveries) to average loans0.01 %0.01 %0.31 %0.09 %0.01 %



Sandy Spring Bancorp, Inc. and Subsidiaries
CONSOLIDATED AVERAGE BALANCES, YIELDS AND RATES - UNAUDITED

Three Months Ended March 31,
20222021
(Dollars in thousands and tax-equivalent)
Average
Balances
    Interest (1)
Annualized
Average
Yield/Rate
Average
Balances
    Interest (1)
Annualized
Average
Yield/Rate
Assets
Commercial investor real estate loans
$4,220,246 $41,634 4.00 %$3,634,174 $38,354 4.28 %
Commercial owner-occupied real estate loans1,683,557 18,432 4.44 1,638,885 18,680 4.62 
Commercial AD&C loans1,102,660 10,593 3.90 1,049,597 10,396 4.02 
Commercial business loans1,372,755 16,354 4.83 2,291,097 24,794 4.39 
Total commercial loans8,379,218 87,013 4.21 8,613,753 92,224 4.34 
Residential mortgage loans964,056 7,774 3.23 1,066,714 9,544 3.58 
Residential construction loans197,366 1,557 3.20 179,925 1,606 3.62 
Consumer loans424,859 3,589 3.43 496,578 4,545 3.71 
Total residential and consumer loans1,586,281 12,920 3.28 1,743,217 15,695 3.62 
Total loans (2)
9,965,499 99,933 4.06 10,356,970 107,919 4.22 
Loans held for sale17,594 198 4.50 82,263 537 2.61 
Taxable securities1,165,041 4,107 1.41 915,625 3,899 1.70 
Tax-advantaged securities452,574 2,551 2.26 491,830 2,840 2.31 
Total investment securities (3)
1,617,615 6,658 1.65 1,407,455 6,739 1.92 
Interest-bearing deposits with banks258,273 113 0.18 182,095 46 0.10 
Federal funds sold822  0.21 641 — 0.09 
Total interest-earning assets11,859,803 106,902 3.65 12,029,424 115,241 3.88 
Less: allowance for credit losses
(109,933)(163,229)
Cash and due from banks66,466 106,259 
Premises and equipment, net61,036 56,369 
Other assets698,717 772,716 
Total assets$12,576,089 $12,801,539 
Liabilities and Stockholders' Equity
Interest-bearing demand deposits
$1,501,658 $158 0.04 %$1,365,652 $236 0.07 %
Regular savings deposits546,893 19 0.01 444,296 56 0.05 
Money market savings deposits3,426,817 625 0.07 3,410,589 1,463 0.17 
Time deposits1,307,929 1,491 0.46 1,728,543 3,075 0.72 
Total interest-bearing deposits6,783,297 2,293 0.14 6,949,080 4,830 0.28 
Federal funds purchased45,444 15 0.13 41,656 10 0.10 
Repurchase agreements131,487 39 0.12 148,195 43 0.12 
Advances from FHLB   376,984 2,276 2.45 
Subordinated debt203,413 2,238 4.40 227,072 2,502 4.41 
Total borrowings380,344 2,292 2.44 793,907 4,831 2.47 
Total interest-bearing liabilities7,163,641 4,585 0.26 7,742,987 9,661 0.50 
Noninterest-bearing demand deposits
3,758,732 3,394,110 
Other liabilities147,200 187,292 
Stockholders' equity1,506,516 1,477,150 
Total liabilities and stockholders' equity$12,576,089 $12,801,539 
Tax-equivalent net interest income and spread
$102,317 3.39 %$105,580 3.38 %
Less: tax-equivalent adjustment866 980 
Net interest income$101,451 $104,600 
Interest income/earning assets
3.65 %3.88 %
Interest expense/earning assets0.16 0.32 
Net interest margin3.49 %3.56 %
(1)Tax-equivalent income has been adjusted using the combined marginal federal and state rate of 25.64% and 25.50% for 2022 and 2021, respectively. The annualized taxable-equivalent adjustments utilized in the above table to compute yields aggregated to $0.9 million and $1.0 million in 2022 and 2021, respectively.
(2)Non-accrual loans are included in the average balances.
(3)Available for sale investments are presented at amortized cost.



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Cover
Apr. 21, 2022
Cover [Abstract]  
Document Type 8-K
Document Period End Date Apr. 21, 2022
Entity Registrant Name SANDY SPRING BANCORP, INC.
Entity Incorporation State Country Code MD
Entity File Number 000-19065
Entity Tax Identification Number 52-1532952
Entity Address Address Line1 17801 Georgia Avenue
Entity Address City Or Town Olney
Entity Address State Or Province MD
Entity Address Postal Zip Code 20832
City Area Code 301
Local Phone Number 774-6400
Written Communications false
Soliciting Material false
Pre-commencement Tender Offer false
Pre-commencement Issuer Tender Offer false
Security 12b Title Common Stock, par value $1.00 per share
Trading Symbol SASR
Security Exchange Name NASDAQ
Entity Emerging Growth Company false
Amendment Flag false
Entity Central Index Key 0000824410
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