Financial Highlights

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Financial Highlights
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
2013 FY
12/31/2013
Balance Sheet ($000)
Total Assets 3,144,360 2,955,994 2,373,701 2,237,099 2,163,827
Total Net Loans 2,132,663 1,990,420 1,560,671 1,439,364 1,377,063
Total Deposits 2,484,052 2,349,551 1,826,376 1,779,761 1,812,156
Equity Attributable to Parent Company 364,571 330,267 252,348 228,824 200,097
Total Equity 364,571 330,267 252,348 228,824 200,097
Profitability (%)
Net Income($000) 40,676 35,184 30,064 28,344 25,413
Net Income Attributable to Parent($000) 40,676 35,184 30,064 28,344 25,413
ROAA 1.35 1.24 1.33 1.31 1.25
Core ROAA 1.38 1.32 1.34 1.30 1.24
ROAE 11.59 10.94 12.47 13.21 13.40
ROATCE 14.03 13.34 13.97 15.24 15.64
Core ROAE 11.81 11.63 12.59 13.15 13.28
Net Interest Margin 3.76 3.75 3.70 3.76 3.67
Reported: Net Interest Margin 3.76 3.75 3.70 3.76 3.67
Efficiency Ratio 55.79 55.01 56.28 56.81 57.53
Noninterest Inc/ Operating Rev 23.87 24.01 25.15 23.15 23.86
Balance Sheet Ratios (%)
Loans/ Deposits 86.22 84.70 85.65 81.36 76.28
Securities/ Assets 24.05 24.51 27.30 28.56 28.49
Total Equity/ Total Assets 11.59 11.17 10.63 10.23 9.25
Tangible Equity/ Tangible Assets 9.99 9.43 9.80 9.31 8.24
Tang Common Equity/ Tang Assets 9.99 9.43 9.80 9.31 8.24
Asset Quality (%)
NPAs/ Assets 0.36 0.14 0.23 0.40 0.55
NPA Excl Restructured/ Assets 0.35 0.14 0.14 0.28 0.43
NPAs & 90+ PD/ Assets 0.38 0.14 0.24 0.41 0.55
NPAs/ Loans & REO 0.53 0.20 0.35 0.62 0.85
Nonaccrual & 90+ & OREO/ Assets 0.38 0.14 0.15 0.29 0.44
NPAs & 90+ PD/ Loans & REO 0.56 0.20 0.36 0.63 0.85
NPA & Loans 90+/ Tangible Common Equity + LLR 3.71 1.41 2.31 4.16 6.20
NCOs/ Avg Loans 0.04 0.04 0.03 (0.01) 0.10
Loan Loss Reserves/ Gross Loans 0.73 0.74 0.92 1.03 1.05
Reserves/ NPAs 138.96 364.46 261.80 164.92 123.33
Loan Loss Provision/ NCO 202.55 144.58 0 NM 27.22
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 312,637 282,138 228,233 203,544 181,778
Tier 1 Capital($000) 323,697 292,946 233,387 208,561 186,649
Tier 2 Capital($000) 15,694 14,808 14,438 NA NA
Total Capital($000) 339,391 307,754 247,825 223,490 201,233
Total Risk-weighted Assets($000) 2,492,036 2,313,968 1,807,036 1,610,290 1,539,859
Tier 1 Common Capital (CET1) Ratio(%) 12.55 12.19 12.63 12.64 11.80
Tier 1 Ratio(%) 12.99 12.66 12.92 12.95 12.12
Total Capital Ratio(%) 13.62 13.30 13.71 13.88 13.07
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.71 10.09 10.15 9.57 8.78
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 22,934,403 22,904,157 19,918,236 19,823,700 19,760,690
Avg Diluted Shares(actual) 22,924,726 22,391,116 19,888,374 19,834,766 19,211,517
Basic Book Value per Share 15.90 14.42 12.67 11.54 10.13
As-reported Book Value per Share 15.90 14.42 12.67 11.54 10.13
Basic Tangible Book Value per Share 13.45 11.94 11.57 10.40 8.92
Reported: Tangible Book Value 13.45 11.94 11.57 10.40 8.92
Common Dividends Declared per Share 0.52 0.48 0.45 0.43 0.40
EPS after Extra 1.77 1.57 1.51 1.43 1.32
EPS after Extra Growth(%) 12.50 4 6.10 8.10 4.20
Core EPS 1.80 1.67 1.53 1.42 1.31
Core EPS Growth(%) 7.90 9.50 7.60 8.50 3.30
Diluted EPS before Amortization 1.81 1.62 1.55 1.49 1.39
Pre-Provision Earnings per Share 1.53 1.53 1.35 1.28 1.20
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