Financial Highlights


Financial Highlights
2018 FQ3 YTD
9/30/2018
2017
12/31/2017
2016
12/31/2016
2015
12/31/2015
2014
12/31/2014
Balance Sheet ($000)
Total Assets 2,819,190 2,898,794 2,845,197 2,797,860 2,627,169
Total Net Loans 1,767,832 1,645,002 1,558,744 1,489,954 1,424,523
Total Deposits 2,381,216 2,469,877 2,412,286 2,302,849 2,146,794
Equity Attributable to Parent Company 298,016 284,210 275,168 274,352 272,540
Total Equity 298,016 284,210 275,168 274,352 272,540
Profitability (%)
Net Income ($000) 17,766 10,863 11,746 9,116 9,260
Net Income Attributable to Parent ($000) 17,766 10,863 11,746 9,116 9,260
ROAA 0.83 0.39 0.43 0.34 0.36
Core ROAA 0.83 0.53 0.37 0.30 0.36
ROAE 8.10 3.83 4.22 3.31 3.27
ROATCE 11.41 5.47 6.07 4.79 4.68
Core ROAE 8.10 5.27 3.64 2.93 3.28
Net Interest Margin 3.57 3.37 3.25 3.31 3.36
Reported: Net Interest Margin 3.58 3.37 3.25 3.31 3.36
Efficiency Ratio 78.31 79.61 84.10 85 83.80
Noninterest Inc/ Operating Rev 35.99 38.41 39.64 40.74 41.31
Balance Sheet Ratios (%)
Loans/ Deposits 74.49 66.95 64.72 64.80 66.67
Securities/ Assets 25.39 24.13 24.67 22.90 19.39
Total Equity/ Total Assets 10.57 9.80 9.67 9.81 10.37
Tangible Equity/ Tangible Assets 7.80 7.09 6.90 6.99 7.38
Tang Common Equity/ Tang Assets 7.80 7.09 6.90 6.99 7.38
Asset Quality (%)
NPAs/ Assets 1.36 1.49 2.02 2.33 3.69
NPA Excl Restructured/ Assets 0.34 0.38 0.67 1.06 2
NPAs & 90+ PD/ Assets 1.36 1.49 2.02 2.33 3.69
NPAs/ Loans & REO 2.14 2.60 3.63 4.28 6.55
Nonaccrual & 90+ & OREO/ Assets 0.34 0.38 0.67 1.06 2
NPAs & 90+ PD/ Loans & REO 2.15 2.60 3.63 4.28 6.55
NPA & Loans 90+/ Tangible Common Equity + LLR 16.87 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 37.18 30.76 23.40 21.39 18.11
Loan Loss Provision/ NCO 158.76 94.70 61.07 30.77 25.53
Capital Adequacy
Tier 1 Common Capital (CET1) ($000) NA 234,477 220,211 215,075 208,503
Tier 1 Capital ($000) NA 285,477 270,801 275,075 269,503
Tier 2 Capital ($000) NA 13,307 13,431 13,953 NA
Total Capital ($000) NA 298,784 284,232 289,028 287,042
Total Risk-weighted Assets ($000) NA 1,747,736 1,746,382 1,675,219 1,616,410
Tier 1 Common Capital (CET1) Ratio (%) 13.43 13.42 12.61 12.84 12.90
Tier 1 Ratio (%) 16.17 16.33 15.51 16.42 16.67
Total Capital Ratio (%) 16.94 17.10 16.28 17.25 17.76
Liquidity Coverage Ratio (%) NA NA NA NA NA
Leverage Ratio (%) 10.99 10.47 10.23 10.65 10.99
Basel III Leverage Ratio (%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding (actual) 17,058,521 16,988,951 16,844,698 17,156,919 17,447,223
Avg Diluted Shares (actual) 17,102,000 17,012,637 17,061,186 17,318,184 17,488,020
Basic Book Value per Share 17.47 16.73 16.34 15.99 15.62
Book Value per Share, As Reported 17.40 16.65 16.23 15.93 15.53
Basic Tangible Book Value per Share 12.50 11.74 11.30 11.05 10.76
Tangible Book Value per Share, As Reported 12.45 11.68 11.23 11 10.70
Common Dividends Declared per Share 0.23 0.24 0.17 0.13 0.09
EPS after Extra 1.04 0.64 0.69 0.53 0.53
EPS after Extra Growth (%) 62.50 (7.20) 30.20 0 51.40
Core EPS 1.04 0.88 0.60 0.47 0.53
Core EPS Growth (%) 62.50 47.80 26.80 (11.70) 39.60
Diluted EPS before Amortization 1.04 0.64 0.69 0.53 0.53
Pre-Provision Earnings per Share 0.99 0.97 0.61 0.51 0.48
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