Financial Highlights

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Financial Highlights
2018 FQ1 YTD
3/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
Balance Sheet ($000)
Total Assets 3,125,018 3,144,360 2,955,994 2,373,701 2,237,099
Total Net Loans 2,142,714 2,132,663 1,990,420 1,560,671 1,439,364
Total Deposits 2,467,121 2,484,052 2,349,551 1,826,376 1,779,761
Equity Attributable to Parent Company 364,005 364,571 330,267 252,348 228,824
Total Equity 364,005 364,571 330,267 252,348 228,824
Profitability (%)
Net Income($000) 11,813 40,676 35,184 30,064 28,344
Net Income Attributable to Parent($000) 11,813 40,676 35,184 30,064 28,344
ROAA 1.51 1.35 1.24 1.33 1.31
Core ROAA 1.70 1.30 1.32 1.34 1.30
ROAE 13 11.59 10.94 12.47 13.21
ROATCE 15.58 14.03 13.34 13.97 15.24
Core ROAE 14.59 11.16 11.63 12.59 13.15
Net Interest Margin 3.62 3.76 3.75 3.70 3.76
Reported: Net Interest Margin 3.66 3.76 3.75 3.70 3.76
Efficiency Ratio 57.09 55.79 55.01 56.28 56.81
Noninterest Inc/ Operating Rev 26.45 23.87 24.01 25.15 23.15
Balance Sheet Ratios (%)
Loans/ Deposits 87.17 86.22 84.70 85.65 81.36
Securities/ Assets 24.12 24.05 24.51 27.30 28.56
Total Equity/ Total Assets 11.65 11.59 11.17 10.63 10.23
Tangible Equity/ Tangible Assets 10.04 9.99 9.43 9.80 9.31
Tang Common Equity/ Tang Assets 10.04 9.99 9.43 9.80 9.31
Asset Quality (%)
NPAs/ Assets 0.31 0.36 0.14 0.23 0.40
NPA Excl Restructured/ Assets 0.31 0.35 0.14 0.14 0.28
NPAs & 90+ PD/ Assets 0.34 0.38 0.14 0.24 0.41
NPAs/ Loans & REO 0.45 0.53 0.20 0.35 0.62
Nonaccrual & 90+ & OREO/ Assets 0.34 0.38 0.14 0.15 0.29
NPAs & 90+ PD/ Loans & REO 0.50 0.56 0.20 0.36 0.63
NPA & Loans 90+/ Tangible Common Equity + LLR 3.34 3.71 1.41 2.31 4.16
NCOs/ Avg Loans 0.30 0.04 0.04 0.03 (0.01)
Loan Loss Reserves/ Gross Loans 0.67 0.73 0.74 0.92 1.03
Reserves/ NPAs 149.52 138.96 364.46 261.80 164.92
Loan Loss Provision/ NCO 22.10 202.55 144.58 0 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 321,150 312,637 282,138 228,233 203,544
Tier 1 Capital($000) 332,273 323,697 292,946 233,387 208,561
Tier 2 Capital($000) 14,460 15,694 14,808 14,438 NA
Total Capital($000) 346,733 339,391 307,754 247,825 223,490
Total Risk-weighted Assets($000) 2,506,935 2,492,036 2,313,968 1,807,036 1,610,290
Tier 1 Common Capital (CET1) Ratio(%) 12.81 12.55 12.19 12.63 12.64
Tier 1 Ratio(%) 13.25 12.99 12.66 12.92 12.95
Total Capital Ratio(%) 13.83 13.62 13.30 13.71 13.88
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.81 10.71 10.09 10.15 9.57
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 22,968,813 22,934,403 22,904,157 19,918,236 19,823,700
Avg Diluted Shares(actual) 22,940,402 22,924,726 22,391,116 19,888,374 19,834,766
Basic Book Value per Share 15.85 15.90 14.42 12.67 11.54
As-reported Book Value per Share 15.85 15.90 14.42 12.67 11.54
Basic Tangible Book Value per Share 13.41 13.45 11.94 11.57 10.40
Reported: Tangible Book Value 13.41 13.45 11.94 11.57 10.40
Common Dividends Declared per Share 0.15 0.52 0.48 0.45 0.43
EPS after Extra 0.51 1.77 1.57 1.51 1.43
EPS after Extra Growth(%) 21.40 12.50 4 6.10 8.10
Core EPS 0.57 1.70 1.67 1.53 1.42
Core EPS Growth(%) 34 1.90 9.50 7.60 8.50
Diluted EPS before Amortization 0.52 1.81 1.62 1.55 1.49
Pre-Provision Earnings per Share 0.49 1.53 1.53 1.35 1.28
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