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Financial Highlights

Financial Highlights
2019 FQ1 YTD
3/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
Balance Sheet ($000)
Total Assets 3,221,249 3,181,722 2,993,403 2,477,597 2,297,676
Total Net Loans 2,527,043 2,518,321 2,332,465 1,924,210 1,782,358
Total Deposits 2,685,792 2,620,882 2,437,656 1,981,628 1,836,137
Equity Attributable to Parent Company 395,789 399,589 373,286 293,018 280,197
Total Equity 395,789 399,589 373,286 293,018 280,197
Profitability (%)
Net Income($000) 11,482 46,249 32,268 28,843 26,423
Net Income Attributable to Parent($000) 11,482 46,249 32,268 28,843 26,423
ROAA 1.44 1.52 1.13 1.20 1.19
Core ROAA 1.47 1.52 1.14 1.22 1.21
ROAE 11.62 12.03 9.19 10.10 9.52
ROATCE 16.02 16.84 13.04 13.12 12.56
Core ROAE 11.86 12.07 9.29 10.27 9.68
Net Interest Margin 3.97 3.99 3.87 3.73 3.80
Reported: Net Interest Margin 4.03 3.98 3.88 3.74 3.81
Efficiency Ratio 62.46 59.52 60.61 60.87 61.37
Noninterest Inc/ Operating Rev 27.67 26.42 28.22 29.81 30.03
Balance Sheet Ratios (%)
Loans/ Deposits 94.91 96.92 96.35 97.92 98.15
Securities/ Assets 9.71 9.74 9.30 10.74 10.95
Total Equity/ Total Assets 12.29 12.56 12.47 11.83 12.19
Tangible Equity/ Tangible Assets 9.40 9.63 9.31 9.52 9.69
Tang Common Equity/ Tang Assets 9.40 9.63 9.31 9.52 9.69
Asset Quality (%)
NPAs/ Assets 0.95 1 1.54 1.02 1.25
NPA Excl Restructured/ Assets 0.58 0.64 1.08 0.60 0.77
NPAs & 90+ PD/ Assets 0.95 1 1.54 1.02 1.25
NPAs/ Loans & REO 1.19 1.25 1.95 1.30 1.59
Nonaccrual & 90+ & OREO/ Assets 0.58 0.64 1.08 0.60 0.77
NPAs & 90+ PD/ Loans & REO 1.19 1.25 1.95 1.30 1.59
NPA & Loans 90+/ Tangible Common Equity + LLR 9.49 9.78 15.56 9.91 11.89
NCOs/ Avg Loans 0.06 (0.02) 0.10 (0.01) (0.03)
Loan Loss Reserves/ Gross Loans 1.10 1.11 1.13 1.33 1.40
Reserves/ NPAs 92.36 89.11 57.99 102.12 88.25
Loan Loss Provision/ NCO 55.94 NM 137.16 NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 296,641 303,860 274,832 234,809 218,297
Tier 1 Capital($000) 331,641 338,860 309,832 269,809 253,297
Tier 2 Capital($000) 28,164 28,331 26,683 25,884 25,382
Total Capital($000) 359,805 367,191 336,515 295,693 278,679
Total Risk-weighted Assets($000) 2,830,000 2,763,094 2,635,472 2,246,851 2,037,997
Tier 1 Common Capital (CET1) Ratio(%) 10.49 11 10.43 10.45 10.71
Tier 1 Ratio(%) 11.73 12.26 11.76 12.01 12.43
Total Capital Ratio(%) 12.73 13.29 12.77 13.16 13.67
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.75 11.14 10.80 11.24 11.46
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 19,713,192 20,171,392 20,312,082 17,966,412 18,205,662
Avg Diluted Shares(actual) 20,095,000 20,468,000 20,056,000 18,070,000 18,742,000
Basic Book Value per Share 20.08 19.81 18.38 16.31 15.39
Book Value per Share, As Reported 20.08 19.81 18.38 16.31 15.39
Basic Tangible Book Value per Share 14.87 14.71 13.24 12.80 11.89
Tangible Book Value per Share, As Reported 14.87 14.71 13.24 12.80 11.89
Common Dividends Declared per Share 0.19 0.64 0.50 0.44 0.39
EPS after Extra 0.57 2.26 1.61 1.60 1.41
EPS after Extra Growth(%) 0 40.40 0.60 13.50 15.60
Core EPS 0.58 2.27 1.63 1.63 1.43
Core EPS Growth(%) (0.30) 39.20 0 13.60 17.30
Diluted EPS before Amortization 0.58 2.32 1.67 1.63 1.45
Pre-Provision Earnings per Share 0.56 2.20 1.64 1.52 1.32
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.