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Financial Highlights

Financial Highlights
2018 FQ4
12/31/2018
2018 FQ3
9/30/2018
2018 FQ2
6/30/2018
2018 FQ1
3/31/2018
2017 FQ4
12/31/2017
Balance Sheet ($000)
Total Assets 7,042,221 7,029,082 7,163,877 6,924,056 6,742,041
Total Net Loans 5,422,378 5,430,741 5,451,824 5,258,794 5,117,368
Total Deposits 5,051,408 5,155,042 5,120,285 5,048,996 4,760,952
Equity Attributable to Parent Company 739,520 714,782 706,459 700,963 704,380
Total Equity 739,520 714,782 706,459 700,963 704,380
Profitability (%)
Net Income($000) 15,227 11,835 7,099 5,866 34,915
Net Income Attributable to Parent($000) 15,227 11,835 7,099 5,866 34,915
ROAA 0.86 0.66 0.40 0.35 2.03
Core ROAA 0.56 0.71 0.73 0.34 0.69
ROAE 8.30 6.23 3.78 3.27 19.90
ROATCE 8.81 6.64 4.11 3.60 20.87
Core ROAE 5.44 6.62 6.84 3.20 6.77
Net Interest Margin 3.23 3.24 3.25 3.23 3.34
Reported: Net Interest Margin 3.19 3.20 3.25 3.25 3.33
Efficiency Ratio 84.49 84.78 85.28 91.82 84.93
Noninterest Inc/ Operating Rev 48.63 52.95 57.63 55.57 58.90
Balance Sheet Ratios (%)
Loans/ Deposits 101.30 98.29 96.14 95.02 95.45
Securities/ Assets 13.89 13.58 13.47 13.89 14.17
Total Equity/ Total Assets 10.50 10.17 9.86 10.12 10.45
Tangible Equity/ Tangible Assets 10.14 9.80 9.50 9.74 10.05
Tang Common Equity/ Tang Assets 10.14 9.80 9.50 9.74 10.05
Asset Quality (%)
NPAs/ Assets 0.38 0.39 0.41 0.46 0.60
NPA Excl Restructured/ Assets 0.14 0.13 0.13 0.14 0.21
NPAs & 90+ PD/ Assets 0.38 0.39 0.41 0.46 0.60
NPAs/ Loans & REO 0.49 0.50 0.54 0.60 0.78
Nonaccrual & 90+ & OREO/ Assets 0.14 0.13 0.13 0.14 0.21
NPAs & 90+ PD/ Loans & REO 0.49 0.50 0.54 0.60 0.78
NPA & Loans 90+/ Tangible Common Equity + LLR 3.59 3.75 4.11 4.47 5.64
NCOs/ Avg Loans (0.04) (0.01) 0.03 (0.05) (0.07)
Loan Loss Reserves/ Gross Loans 0.76 0.74 0.72 0.74 0.73
Reserves/ NPAs 153.36 148.35 133.96 123.04 94.21
Loan Loss Provision/ NCO NM NM 215.52 NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 607,388 581,165 579,102 540,422 555,120
Tier 1 Capital($000) 667,301 640,614 638,529 599,700 614,624
Tier 2 Capital($000) 48,547 47,037 45,591 40,447 39,117
Total Capital($000) 715,848 687,651 684,120 640,147 653,741
Total Risk-weighted Assets($000) 5,396,260 5,363,263 5,524,113 5,833,243 5,628,733
Tier 1 Common Capital (CET1) Ratio(%) 11.26 10.84 10.48 9.26 9.86
Tier 1 Ratio(%) 12.37 11.94 11.56 10.28 10.92
Total Capital Ratio(%) 13.27 12.82 12.38 10.97 11.61
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.51 9.17 9.18 9.08 9.12
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 26,995,348 26,989,742 26,978,229 26,972,074 26,888,288
Avg Diluted Shares(actual) 27,175,522 27,181,688 27,156,329 27,159,000 27,136,977
Basic Book Value per Share 27.39 26.48 26.19 25.99 26.20
Book Value per Share, As Reported 27.39 26.48 26.19 25.99 26.20
Basic Tangible Book Value per Share 26.36 25.43 25.12 24.90 25.09
Tangible Book Value per Share, As Reported 26.36 25.43 25.12 24.90 25.09
Common Dividends Declared per Share 0 0 0 0 0
EPS after Extra 0.56 0.44 0.26 0.22 1.29
EPS after Extra Growth(%) (56.60) (13.70) (36.60) (33.30) NM
Core EPS 0.37 0.47 0.47 0.22 0.44
Core EPS Growth(%) (16.30) (23.90) 13.40 (37.10) 570.70
Diluted EPS before Amortization 0.57 0.46 0.27 0.24 1.30
Pre-Provision Earnings per Share 0.42 0.46 0.48 0.24 0.41
Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.
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