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Financial Highlights

Select Period: Financial Charting
  2017 FQ3 2016 FQ3   2017 FQ2  
Period Ended 9/30/2017 9/30/2016 Y-Y Ch (%) 6/30/2017 Q-Q Ch (%)
Balance Sheet ($000)   
Total Assets  6,796,346 6,226,601 9.15 6,586,557 12.74
Total Net Loans  5,164,351 4,657,691 10.88 4,940,980 18.08
Total Deposits  4,670,486 4,504,560 3.68 4,747,771 (6.51)
Equity Attributable to Parent Company  671,469 586,028 14.58 655,841 9.53
Total Equity  671,469 586,028 14.58 655,841 9.53
Profitability (%)   
Net Income ($000)   13,839 27,701 (50.04) 11,209 93.85
Net Income Attributable to Parent ($000)   13,839 27,701 (50.04) 11,209 93.85
ROAA  0.83 1.79 (96)  bp 0.70 13  bp
Core ROAA  1.00 1.84 (84)  bp 0.71 29  bp
ROAE  8.10 18.83 (1,073)  bp 6.71 139  bp
ROATCE  8.66 20.07 (1,141)  bp 7.22 144  bp
Core ROAE  9.77 19.29 (952)  bp 6.79 298  bp
Net Interest Margin  3.42 3.35 7  bp 3.29 13  bp
Reported: Net Interest Margin  3.40 3.34 6  bp 3.29 11  bp
Efficiency Ratio  81.48 70.36 1,112  bp 86.14 (466)  bp
Noninterest Inc / Operating Rev  62.17 70.47 (830)  bp 63.19 (102)  bp
Balance Sheet Ratios (%)   
Loans / Deposits  93.14 84.32 882  bp 88.31 483  bp
Securities / Assets  14.37 16.65 (228)  bp 14.93 (56)  bp
Total Equity / Total Assets  9.88 9.41 47  bp 9.96 (8)  bp
Tangible Equity / Tangible Assets  9.48 8.99 49  bp 9.55 (7)  bp
Tang Common Equity / Tang Assets  9.48 8.99 49  bp 9.55 (7)  bp
Asset Quality (%)   
NPAs / Assets  0.73 1.20 (47)  bp 0.90 (17)  bp
NPA Excl Restructured / Assets  0.26 0.49 (23)  bp 0.29 (3)  bp
NPAs & 90+ PD / Assets  0.73 1.20 (47)  bp 0.90 (17)  bp
NPAs / Loans & REO  0.95 1.58 (63)  bp 1.19 (24)  bp
Nonaccrual & 90+ & OREO / Assets  0.26 0.49 (23)  bp 0.29 (3)  bp
NPAs & 90+ PD / Loans & REO  0.95 1.58 (63)  bp 1.19 (24)  bp
NPA & Loans 90+ / Tangible Common Equity + LLR  7.32 12.58 (526)  bp 8.97 (165)  bp
NCOs / Avg Loans  (0.04) 0 (4)  bp (0.08) 4  bp
Loan Loss Reserves / Gross Loans  0.71 0.72 (1)  bp 0.73 (2)  bp
Reserves / NPAs  74.57 45.65 2,892  bp 60.81 1,376  bp
Loan Loss Provision / NCO  NM NM NM NM NM
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000)   554,518 522,889 6.05 544,135 7.63
Tier 1 Capital ($000)   613,586 582,489 5.34 603,115 6.94
Tier 2 Capital ($000)   38,195 35,234 8.40 37,469 7.75
Total Capital ($000)   651,781 617,723 5.51 640,584 6.99
Total Risk-weighted Assets ($000)   5,620,010 5,042,699 5,620,010 5,434,895 5,620,010
Tier 1 Common Capital (CET1) Ratio (%)   9.77 10.37 (60)  bp 10.01 (24)  bp
Tier 1 Ratio (%)   10.81 11.55 (74)  bp 11.10 (29)  bp
Total Capital Ratio (%)   11.48 12.25 (77)  bp 11.79 (31)  bp
Liquidity Coverage Ratio (%)   NA NA NA NA NA
Leverage Ratio (%)   9.33 9.52 (19)  bp 9.55 (22)  bp
Basel III Leverage Ratio (%)   NA NA NA NA NA
Per Share Information ($)   
Common Shares Outstanding (actual)   26,884,402 24,833,008 8.26 26,874,871 0.14
Avg Diluted Shares (actual)   27,089,040 24,996,747 8.37 27,084,608 0.07
Basic Book Value per Share  24.98 23.60 5.85 24.40 9.51
As-reported Book Value per Share  24.98 23.60 5.85 24.40 9.51
Basic Tangible Book Value per Share  23.86 22.45 6.28 23.30 9.61
Reported: Tangible Book Value  23.86 22.45 6.28 23.30 9.61
Common Dividends Declared per Share  0 0 0 0 0
EPS after Extra  0.51 1.11 (54.05) 0.41 97.56
EPS after Extra Growth (%)   (54.1) 146.70 (20,072)  bp (52.9) (118)  bp
Core EPS  0.61 1.14 (46.49) 0.42 180.95
Core EPS Growth (%)   (45.9) 167.20 (21,320)  bp (54.3) 835  bp
Diluted EPS before Amortization  0.53 1.13 (53.10) 0.43 93.02
Pre-Provision Earnings per Share  0.57 1.16 (50.86) 0.39 184.62
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   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.