Financial Highlights

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Financial Highlights
2018 FQ2 YTD
6/30/2018
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 3,344,544 3,144,360 2,955,994 2,373,701 2,237,099
Total Net Loans 2,312,425 2,132,663 1,990,420 1,560,671 1,439,364
Total Deposits 2,601,440 2,484,052 2,349,551 1,826,376 1,779,761
Equity Attributable to Parent Company 370,540 364,571 330,267 252,348 228,824
Total Equity 370,540 364,571 330,267 252,348 228,824
Profitability (%)
Net Income($000) 22,910 40,676 35,184 30,064 28,344
Net Income Attributable to Parent($000) 22,910 40,676 35,184 30,064 28,344
ROAA 1.44 1.35 1.24 1.33 1.31
Core ROAA 1.60 1.30 1.32 1.34 1.30
ROAE 12.57 11.59 10.94 12.47 13.21
ROATCE 15.24 14.03 13.34 13.97 15.24
Core ROAE 13.94 11.16 11.63 12.59 13.15
Net Interest Margin 3.69 3.76 3.75 3.70 3.76
Reported: Net Interest Margin 3.71 3.76 3.75 3.70 3.76
Efficiency Ratio 56.01 55.79 55.01 56.28 56.81
Noninterest Inc/ Operating Rev 25.34 23.87 24.01 25.15 23.15
Balance Sheet Ratios (%)
Loans/ Deposits 89.12 86.22 84.70 85.65 81.36
Securities/ Assets NA 24.05 24.51 27.30 28.56
Total Equity/ Total Assets 11.08 11.59 11.17 10.63 10.23
Tangible Equity/ Tangible Assets 9.29 9.99 9.43 9.80 9.31
Tang Common Equity/ Tang Assets 9.29 9.99 9.43 9.80 9.31
Asset Quality (%)
NPAs/ Assets 0.27 0.36 0.14 0.23 0.40
NPA Excl Restructured/ Assets 0.27 0.35 0.14 0.14 0.28
NPAs & 90+ PD/ Assets 0.29 0.38 0.14 0.24 0.41
NPAs/ Loans & REO 0.39 0.53 0.20 0.35 0.62
Nonaccrual & 90+ & OREO/ Assets 0.28 0.38 0.14 0.15 0.29
NPAs & 90+ PD/ Loans & REO 0.41 0.56 0.20 0.36 0.63
NPA & Loans 90+/ Tangible Common Equity + LLR 3.01 3.71 1.41 2.31 4.16
NCOs/ Avg Loans 0.15 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 171.53 138.96 364.46 261.80 164.92
Loan Loss Provision/ NCO 96.50 202.55 144.58 0 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 312,637 282,138 228,233 203,544
Tier 1 Capital($000) NA 323,697 292,946 233,387 208,561
Tier 2 Capital($000) NA 15,694 14,808 14,438 NA
Total Capital($000) NA 339,391 307,754 247,825 223,490
Total Risk-weighted Assets($000) NA 2,492,036 2,313,968 1,807,036 1,610,290
Tier 1 Common Capital (CET1) Ratio(%) 11.91 12.55 12.19 12.63 12.64
Tier 1 Ratio(%) 12.33 12.99 12.66 12.92 12.95
Total Capital Ratio(%) 12.91 13.62 13.30 13.71 13.88
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.38 10.71 10.09 10.15 9.57
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 22,967,898 22,934,403 22,904,157 19,918,236 19,823,700
Avg Diluted Shares(actual) 22,954,367 22,924,726 22,391,116 19,888,374 19,834,766
Basic Book Value per Share 16.13 15.90 14.42 12.67 11.54
As-reported Book Value per Share 16.13 15.90 14.42 12.67 11.54
Basic Tangible Book Value per Share 13.26 13.45 11.94 11.57 10.40
Reported: Tangible Book Value 13.26 13.45 11.94 11.57 10.40
Common Dividends Declared per Share 0.30 0.52 0.48 0.45 0.43
EPS after Extra 1 1.77 1.57 1.51 1.43
EPS after Extra Growth(%) 17.60 12.50 4 6.10 8.10
Core EPS 1.11 1.70 1.67 1.53 1.42
Core EPS Growth(%) 28.30 1.90 9.50 7.60 8.50
Diluted EPS before Amortization 1.02 1.81 1.62 1.55 1.49
Pre-Provision Earnings per Share 1.04 1.53 1.53 1.35 1.28
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