Financial Highlights


Financial Highlights
2018
12/31/2018
2017
12/31/2017
2016
12/31/2016
2015
12/31/2015
2014
12/31/2014
Balance Sheet ($000)
Total Assets 2,959,183 2,898,794 2,845,197 2,797,860 2,627,169
Total Net Loans 1,766,884 1,645,002 1,558,744 1,489,954 1,424,523
Total Deposits 2,531,856 2,469,877 2,412,286 2,302,849 2,146,794
Equity Attributable to Parent Company 302,587 284,210 275,168 274,352 272,540
Total Equity 302,587 284,210 275,168 274,352 272,540
Profitability (%)
Net Income ($000) 26,224 10,863 11,746 9,116 9,260
Net Income Attributable to Parent ($000) 26,224 10,863 11,746 9,116 9,260
ROAA 0.92 0.39 0.43 0.34 0.36
Core ROAA 0.90 0.53 0.37 0.30 0.36
ROAE 8.89 3.83 4.22 3.31 3.27
ROATCE 12.48 5.47 6.07 4.79 4.68
Core ROAE 8.68 5.27 3.64 2.93 3.28
Net Interest Margin 3.64 3.37 3.25 3.31 3.36
Reported: Net Interest Margin 3.64 3.37 3.25 3.31 3.36
Efficiency Ratio 76.50 79.61 84.10 85 83.80
Noninterest Inc/ Operating Rev 35.79 38.41 39.64 40.74 41.31
Balance Sheet Ratios (%)
Loans/ Deposits 70.08 66.95 64.72 64.80 66.67
Securities/ Assets 22.61 24.13 24.67 22.90 19.39
Total Equity/ Total Assets 10.23 9.80 9.67 9.81 10.37
Tangible Equity/ Tangible Assets 7.58 7.09 6.90 6.99 7.38
Tang Common Equity/ Tang Assets 7.58 7.09 6.90 6.99 7.38
Asset Quality (%)
NPAs/ Assets 1.05 1.49 2.02 2.33 3.69
NPA Excl Restructured/ Assets 0.31 0.38 0.67 1.06 2
NPAs & 90+ PD/ Assets 1.05 1.49 2.02 2.33 3.69
NPAs/ Loans & REO 1.75 2.60 3.63 4.28 6.55
Nonaccrual & 90+ & OREO/ Assets 0.31 0.38 0.67 1.06 2
NPAs & 90+ PD/ Loans & REO 1.75 2.60 3.63 4.28 6.55
NPA & Loans 90+/ Tangible Common Equity + LLR 13.44 20.36 28.17 32.05 47.19
NCOs/ Avg Loans 0.12 0.14 0.09 0.35 0.53
Loan Loss Reserves/ Gross Loans 0.80 0.80 0.85 0.93 1.22
Reserves/ NPAs 45.57 30.76 23.40 21.39 18.11
Loan Loss Provision/ NCO 144.75 94.70 61.07 30.77 25.53
Capital Adequacy
Tier 1 Common Capital (CET1) ($000) 249,774 234,477 220,211 215,075 208,503
Tier 1 Capital ($000) 300,774 285,477 270,801 275,075 269,503
Tier 2 Capital ($000) 14,210 13,307 13,431 13,953 NA
Total Capital ($000) 314,984 298,784 284,232 289,028 287,042
Total Risk-weighted Assets ($000) 1,838,848 1,747,736 1,746,382 1,675,219 1,616,410
Tier 1 Common Capital (CET1) Ratio (%) 13.58 13.42 12.61 12.84 12.90
Tier 1 Ratio (%) 16.36 16.33 15.51 16.42 16.67
Total Capital Ratio (%) 17.13 17.10 16.28 17.25 17.76
Liquidity Coverage Ratio (%) NA NA NA NA NA
Leverage Ratio (%) 10.89 10.47 10.23 10.65 10.99
Basel III Leverage Ratio (%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding (actual) 16,747,571 16,988,951 16,844,698 17,156,919 17,447,223
Avg Diluted Shares (actual) 17,072,329 17,012,637 17,061,186 17,318,184 17,488,020
Basic Book Value per Share 18.07 16.73 16.34 15.99 15.62
Book Value per Share, As Reported 18 16.65 16.23 15.93 15.53
Basic Tangible Book Value per Share 13 11.74 11.30 11.05 10.76
Tangible Book Value per Share, As Reported 12.96 11.68 11.23 11 10.70
Common Dividends Declared per Share 0.32 0.24 0.17 0.13 0.09
EPS after Extra 1.54 0.64 0.69 0.53 0.53
EPS after Extra Growth (%) 140.60 (7.20) 30.20 0 51.40
Core EPS 1.50 0.88 0.60 0.47 0.53
Core EPS Growth (%) 70.90 47.80 26.80 (11.70) 39.60
Diluted EPS before Amortization 1.54 0.64 0.69 0.53 0.53
Pre-Provision Earnings per Share 1.47 0.97 0.61 0.51 0.48
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