Financial Highlights
Financial Highlights
2018 FQ2 YTD
6/30/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
Balance Sheet ($000)
Total Assets 4,568,863 4,414,521 4,550,663 4,104,189 3,951,334
Total Net Loans 3,864,888 3,734,505 3,776,411 3,352,797 3,053,427
Total Deposits 3,597,057 3,597,144 3,677,230 3,268,626 2,990,840
Equity Attributable to Parent Company 490,271 471,662 429,806 398,227 419,745
Total Equity 490,271 471,662 429,806 398,227 419,745
Profitability (%)
Net Income($000) 27,305 51,564 45,342 46,502 43,529
Net Income Attributable to Parent($000) 27,305 51,564 45,342 46,502 43,529
ROAA 1.23 1.16 1.04 1.14 1.14
Core ROAA 1.26 1.02 1.05 1.17 0.99
ROAE 11.27 11.32 10.93 10.60 10.81
ROATCE 11.79 11.85 11.57 12.50 13.01
Core ROAE 11.54 9.99 11.08 10.86 9.39
Net Interest Margin 3.90 3.74 4.05 4.53 4.84
Reported: Net Interest Margin 3.93 3.74 4.05 4.53 4.84
Efficiency Ratio 56.32 58.44 59.61 60.34 65.61
Noninterest Inc/ Operating Rev 15.14 16.57 13.58 7.12 1.06
Balance Sheet Ratios (%)
Loans/ Deposits 108.35 104.61 103.27 103.37 102.89
Securities/ Assets 4.06 4.32 4.99 6.79 9.69
Total Equity/ Total Assets 10.73 10.68 9.44 9.70 10.62
Tangible Equity/ Tangible Assets 10.53 10.46 9.20 9.58 10.45
Tang Common Equity/ Tang Assets 10.53 10.46 9.20 9.58 8.98
Asset Quality (%)
NPAs/ Assets 0.71 0.91 1.27 2.02 2.08
NPA Excl Restructured/ Assets 0.47 0.63 0.86 1.07 1.09
NPAs & 90+ PD/ Assets 0.71 0.91 1.28 2.02 2.10
NPAs/ Loans & REO 0.83 1.06 1.56 2.61 2.89
Nonaccrual & 90+ & OREO/ Assets 0.47 0.64 0.87 1.07 1.11
NPAs & 90+ PD/ Loans & REO 0.83 1.07 1.57 2.61 2.92
NPA & Loans 90+/ Tangible Common Equity + LLR 6.29 8.12 12.78 19.26 21.11
NCOs/ Avg Loans 0.15 0.27 0.29 0.20 0.24
Loan Loss Reserves/ Gross Loans 0.96 0.97 0.98 1.13 1.24
Reserves/ NPAs 115.35 91.24 64.61 46 46.80
Loan Loss Provision/ NCO 137.52 90.93 92.53 95.07 71.18
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 481,033 460,661 418,687 389,460 347,259
Tier 1 Capital($000) 506,033 485,685 443,706 414,488 435,254
Tier 2 Capital($000) 112,556 111,492 112,400 38,149 NA
Total Capital($000) 618,589 597,177 556,106 452,637 473,689
Total Risk-weighted Assets($000) 4,392,763 4,245,615 4,095,120 3,603,485 3,263,275
Tier 1 Common Capital (CET1) Ratio(%) 10.95 10.85 10.22 10.81 10.64
Tier 1 Ratio(%) 11.52 11.44 10.84 11.50 13.34
Total Capital Ratio(%) 14.08 14.07 13.58 12.56 14.52
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.30 10.92 9.93 10.20 11.13
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 14,133,823 14,087,533 13,968,386 13,887,932 13,754,806
Avg Diluted Shares(actual) 14,266,000 14,180,000 14,141,000 14,000,000 13,876,000
Basic Book Value per Share 34.69 33.48 30.77 28.67 26.30
As-reported Book Value per Share 34.69 33.48 30.77 28.67 26.30
Basic Tangible Book Value per Share 33.98 32.71 29.88 28.26 25.76
Reported: Tangible Book Value NA NA NA NA NA
Common Dividends Declared per Share 0.56 0.94 0.88 0.86 0.80
EPS after Extra 1.91 3.64 3.21 3.28 3.10
EPS after Extra Growth(%) (2.10) 13.40 (2.10) 5.80 28.10
Core EPS 1.96 3.21 3.25 3.36 2.69
Core EPS Growth(%) 19.60 (1.20) (3.20) 25.20 7.90
Diluted EPS before Amortization 1.97 3.76 3.35 3.40 3.21
Pre-Provision Earnings per Share 2.03 3.29 3.23 3.10 2.36
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