Financial Highlights


Financial Highlights
2019 FQ3 YTD
9/30/2019
2018
12/31/2018
2017
12/31/2017
2016
12/31/2016
2015
12/31/2015
Balance Sheet ($000)
Total Assets 2,934,513 2,959,183 2,898,794 2,845,197 2,797,860
Total Net Loans 1,826,509 1,766,884 1,645,002 1,558,744 1,489,954
Total Deposits 2,473,007 2,531,856 2,469,877 2,412,286 2,302,849
Equity Attributable to Parent Company 321,562 302,587 284,210 275,168 274,352
Total Equity 321,562 302,587 284,210 275,168 274,352
Profitability (%)
Net Income ($000) 22,242 26,224 10,863 11,746 9,116
Net Income Attributable to Parent ($000) 22,242 26,224 10,863 11,746 9,116
ROAA 0.99 0.92 0.39 0.43 0.34
Core ROAA 0.99 0.90 0.53 0.37 0.30
ROAE 9.45 8.89 3.83 4.22 3.31
ROATCE 12.95 12.48 5.47 6.07 4.79
Core ROAE 9.45 8.68 5.27 3.64 2.93
Net Interest Margin 3.83 3.64 3.37 3.25 3.31
Reported: Net Interest Margin 3.84 3.64 3.37 3.25 3.31
Efficiency Ratio 71.99 76.50 79.61 84.10 85
Noninterest Inc/ Operating Rev 33.72 35.79 38.41 39.64 40.74
Balance Sheet Ratios (%)
Loans/ Deposits 73.91 70.08 66.95 64.72 64.80
Securities/ Assets 21.16 22.61 24.13 24.67 22.90
Total Equity/ Total Assets 10.96 10.23 9.80 9.67 9.81
Tangible Equity/ Tangible Assets 8.31 7.58 7.09 6.90 6.99
Tang Common Equity/ Tang Assets 8.31 7.58 7.09 6.90 6.99
Asset Quality (%)
NPAs/ Assets 0.81 1.05 1.49 2.02 2.33
NPA Excl Restructured/ Assets 0.19 0.31 0.38 0.67 1.06
NPAs & 90+ PD/ Assets 0.81 1.05 1.49 2.02 2.33
NPAs/ Loans & REO 1.29 1.75 2.60 3.63 4.28
Nonaccrual & 90+ & OREO/ Assets 0.19 0.31 0.38 0.67 1.06
NPAs & 90+ PD/ Loans & REO 1.29 1.75 2.60 3.63 4.28
NPA & Loans 90+/ Tangible Common Equity + LLR 9.45 13.44 20.36 28.17 32.05
NCOs/ Avg Loans 0.15 0.12 0.14 0.09 0.35
Loan Loss Reserves/ Gross Loans 0.78 0.80 0.80 0.85 0.93
Reserves/ NPAs 60.32 45.57 30.76 23.40 21.39
Loan Loss Provision/ NCO 105.24 144.75 94.70 61.07 30.77
Capital Adequacy
Tier 1 Common Capital (CET1) ($000) NA 249,774 234,477 220,211 215,075
Tier 1 Capital ($000) NA 300,774 285,477 270,801 275,075
Tier 2 Capital ($000) NA 14,210 13,307 13,431 13,953
Total Capital ($000) NA 314,984 298,784 284,232 289,028
Total Risk-weighted Assets ($000) NA 1,838,848 1,747,736 1,746,382 1,675,219
Tier 1 Common Capital (CET1) Ratio (%) 14.13 13.58 13.42 12.61 12.84
Tier 1 Ratio (%) 16.83 16.36 16.33 15.51 16.42
Total Capital Ratio (%) 17.59 17.13 17.10 16.28 17.25
Liquidity Coverage Ratio (%) NA NA NA NA NA
Leverage Ratio (%) 11.09 10.89 10.47 10.23 10.65
Basel III Leverage Ratio (%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding (actual) 16,748,858 16,747,571 16,988,951 16,844,698 17,156,919
Avg Diluted Shares (actual) 16,810,000 17,072,329 17,012,637 17,061,186 17,318,184
Basic Book Value per Share 19.20 18.07 16.73 16.34 15.99
Book Value per Share, As Reported 19.14 18 16.65 16.23 15.93
Basic Tangible Book Value per Share 14.14 13 11.74 11.30 11.05
Tangible Book Value per Share, As Reported 14.09 12.96 11.68 11.23 11
Common Dividends Declared per Share 0.35 0.32 0.24 0.17 0.13
EPS after Extra 1.32 1.54 0.64 0.69 0.53
EPS after Extra Growth (%) 26.90 140.60 (7.20) 30.20 0
Core EPS 1.32 1.50 0.88 0.60 0.47
Core EPS Growth (%) 26.90 70.90 47.80 26.80 (11.70)
Diluted EPS before Amortization 1.32 1.54 0.64 0.69 0.53
Pre-Provision Earnings per Share 1.49 1.47 0.97 0.61 0.51
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