Financial Highlights

Financial Highlights
2019 FQ3 YTD
9/30/2019
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 4,355,882 3,929,090 3,144,360 2,955,994 2,373,701
Total Net Loans 3,060,194 2,716,499 2,132,663 1,990,420 1,560,671
Total Deposits 3,431,286 3,072,632 2,484,052 2,349,551 1,826,376
Equity Attributable to Parent Company 562,927 458,640 364,571 330,267 252,348
Total Equity 562,927 458,640 364,571 330,267 252,348
Profitability (%)
Net Income($000) 43,402 46,529 40,676 35,184 30,064
Net Income Attributable to Parent($000) 43,402 46,529 40,676 35,184 30,064
ROAA 1.43 1.38 1.35 1.24 1.33
Core ROAA 1.53 1.51 1.30 1.32 1.34
ROAE 11.52 12.07 11.59 10.94 12.47
ROATCE 15.74 15.10 14.03 13.34 13.97
Core ROAE 12.36 13.23 11.16 11.63 12.59
Net Interest Margin 3.88 3.75 3.76 3.75 3.70
Reported: Net Interest Margin 3.89 3.75 3.76 3.75 3.70
Efficiency Ratio 55.88 56.75 55.79 55.01 56.28
Noninterest Inc/ Operating Rev 23.41 24.07 23.87 24.01 25.15
Balance Sheet Ratios (%)
Loans/ Deposits 89.09 88.79 86.22 84.70 85.65
Securities/ Assets NA 21.08 24.05 24.51 27.30
Total Equity/ Total Assets 12.92 11.67 11.59 11.17 10.63
Tangible Equity/ Tangible Assets 10.16 9.04 9.99 9.43 9.80
Tang Common Equity/ Tang Assets 10.16 9.04 9.99 9.43 9.80
Asset Quality (%)
NPAs/ Assets NA 0.32 0.36 0.14 0.23
NPA Excl Restructured/ Assets NA 0.32 0.35 0.14 0.14
NPAs & 90+ PD/ Assets NA 0.34 0.38 0.14 0.24
NPAs/ Loans & REO NA 0.46 0.53 0.20 0.35
Nonaccrual & 90+ & OREO/ Assets NA 0.34 0.38 0.14 0.15
NPAs & 90+ PD/ Loans & REO NA 0.49 0.56 0.20 0.36
NPA & Loans 90+/ Tangible Common Equity + LLR NA 3.70 3.71 1.41 2.31
NCOs/ Avg Loans 0.17 0.08 0.04 0.04 0.03
Loan Loss Reserves/ Gross Loans 0.52 0.58 0.73 0.74 0.92
Reserves/ NPAs NA 124.59 138.96 364.46 261.80
Loan Loss Provision/ NCO 101.25 106.65 202.55 144.58 0
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 354,251 312,637 282,138 228,233
Tier 1 Capital($000) NA 365,562 323,697 292,946 233,387
Tier 2 Capital($000) NA 15,823 15,694 14,808 14,438
Total Capital($000) NA 381,385 339,391 307,754 247,825
Total Risk-weighted Assets($000) NA 3,085,067 2,492,036 2,313,968 1,807,036
Tier 1 Common Capital (CET1) Ratio(%) 12.03 11.48 12.55 12.19 12.63
Tier 1 Ratio(%) 12.48 11.85 12.99 12.66 12.92
Total Capital Ratio(%) 14.10 12.36 13.62 13.30 13.71
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.24 9.75 10.71 10.09 10.15
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 26,662,078 24,967,458 22,934,403 22,904,157 19,918,236
Avg Diluted Shares(actual) 25,541,843 23,381,616 22,924,726 22,391,115 19,888,374
Basic Book Value per Share 21.11 18.37 15.90 14.42 12.67
Book Value per Share, As Reported NA 18.37 15.90 14.42 12.67
Basic Tangible Book Value per Share 16.09 13.82 13.45 11.94 11.57
Tangible Book Value per Share, As Reported 16.09 13.81 13.45 11.94 11.57
Common Dividends Declared per Share 0.51 0.60 0.52 0.48 0.45
EPS after Extra 1.70 1.99 1.77 1.57 1.51
EPS after Extra Growth(%) 9.70 12.40 12.50 4 6.10
Core EPS 1.83 2.18 1.70 1.67 1.53
Core EPS Growth(%) 12.80 27.90 1.90 9.50 7.60
Diluted EPS before Amortization 1.81 2.06 1.81 1.62 1.55
Pre-Provision Earnings per Share 1.76 2.10 1.53 1.53 1.35
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