Financial Highlights
Financial Highlights
2018 FQ3 YTD
9/30/2018
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 4,584,086 4,414,521 4,550,663 4,104,189 3,951,334
Total Net Loans 3,946,240 3,734,505 3,776,411 3,352,797 3,053,427
Total Deposits 3,595,665 3,597,144 3,677,230 3,268,626 2,990,840
Equity Attributable to Parent Company 508,127 471,662 429,806 398,227 419,745
Total Equity 508,127 471,662 429,806 398,227 419,745
Profitability (%)
Net Income($000) 49,821 51,564 45,342 46,502 43,529
Net Income Attributable to Parent($000) 49,821 51,564 45,342 46,502 43,529
ROAA 1.49 1.16 1.04 1.14 1.14
Core ROAA 1.34 1.02 1.05 1.17 0.99
ROAE 13.51 11.32 10.93 10.60 10.81
ROATCE 14.06 11.85 11.57 12.50 13.01
Core ROAE 12.18 9.99 11.08 10.86 9.39
Net Interest Margin 3.95 3.74 4.05 4.53 4.84
Reported: Net Interest Margin 3.96 3.74 4.05 4.53 4.84
Efficiency Ratio 55.73 58.44 59.61 60.34 65.61
Noninterest Inc/ Operating Rev 14.86 16.57 13.58 7.12 1.06
Balance Sheet Ratios (%)
Loans/ Deposits 110.70 104.61 103.27 103.37 102.89
Securities/ Assets 4.50 4.32 4.99 6.79 9.69
Total Equity/ Total Assets 11.08 10.68 9.44 9.70 10.62
Tangible Equity/ Tangible Assets 10.90 10.46 9.20 9.58 10.45
Tang Common Equity/ Tang Assets 10.90 10.46 9.20 9.58 8.98
Asset Quality (%)
NPAs/ Assets 0.45 0.91 1.27 2.02 2.08
NPA Excl Restructured/ Assets 0.35 0.63 0.86 1.07 1.09
NPAs & 90+ PD/ Assets 0.45 0.91 1.28 2.02 2.10
NPAs/ Loans & REO 0.52 1.06 1.56 2.61 2.89
Nonaccrual & 90+ & OREO/ Assets 0.35 0.64 0.87 1.07 1.11
NPAs & 90+ PD/ Loans & REO 0.52 1.07 1.57 2.61 2.92
NPA & Loans 90+/ Tangible Common Equity + LLR 3.86 8.12 12.78 19.26 21.11
NCOs/ Avg Loans 0.14 0.27 0.29 0.20 0.24
Loan Loss Reserves/ Gross Loans 0.94 0.97 0.98 1.13 1.24
Reserves/ NPAs 181.03 91.24 64.61 46 46.80
Loan Loss Provision/ NCO 123.96 90.93 92.53 95.07 71.18
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 460,661 418,687 389,460 347,259
Tier 1 Capital($000) NA 485,685 443,706 414,488 435,254
Tier 2 Capital($000) NA 111,492 112,400 38,149 NA
Total Capital($000) NA 597,177 556,106 452,637 473,689
Total Risk-weighted Assets($000) NA 4,245,615 4,095,120 3,603,485 3,263,275
Tier 1 Common Capital (CET1) Ratio(%) 11.26 10.85 10.22 10.81 10.64
Tier 1 Ratio(%) 11.82 11.44 10.84 11.50 13.34
Total Capital Ratio(%) 14.35 14.07 13.58 12.56 14.52
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.63 10.92 9.93 10.20 11.13
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 14,153,290 14,087,533 13,968,386 13,887,932 13,754,806
Avg Diluted Shares(actual) 14,260,000 14,180,000 14,141,000 14,000,000 13,876,000
Basic Book Value per Share 35.90 33.48 30.77 28.67 26.30
Book Value per Share, As Reported 35.90 33.48 30.77 28.67 26.30
Basic Tangible Book Value per Share 35.22 32.71 29.88 28.26 25.76
Tangible Book Value per Share, As Reported NA NA NA NA NA
Common Dividends Declared per Share 0.88 0.94 0.88 0.86 0.80
EPS after Extra 3.49 3.64 3.21 3.28 3.10
EPS after Extra Growth(%) 26 13.40 (2.10) 5.80 28.10
Core EPS 3.15 3.21 3.25 3.36 2.69
Core EPS Growth(%) 27.20 (1.20) (3.20) 25.20 7.90
Diluted EPS before Amortization 3.58 3.76 3.35 3.40 3.21
Pre-Provision Earnings per Share 3.25 3.29 3.23 3.10 2.36
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