Financial Highlights


Financial Highlights
2018 FQ1 YTD
3/31/2018
2017
12/31/2017
2016
12/31/2016
2015
12/31/2015
2014
12/31/2014
Balance Sheet ($000)
Total Assets 2,924,832 2,898,794 2,845,197 2,797,860 2,627,169
Total Net Loans 1,653,482 1,645,002 1,558,744 1,489,954 1,424,523
Total Deposits 2,498,884 2,469,877 2,412,286 2,302,849 2,146,794
Equity Attributable to Parent Company 288,360 284,210 275,168 274,352 272,540
Total Equity 288,360 284,210 275,168 274,352 272,540
Profitability (%)
Net Income ($000) 5,773 10,863 11,746 9,116 9,260
Net Income Attributable to Parent ($000) 5,773 10,863 11,746 9,116 9,260
ROAA 0.80 0.39 0.43 0.34 0.36
Core ROAA 0.59 0.53 0.37 0.30 0.36
ROAE 8.03 3.83 4.22 3.31 3.27
ROATCE 11.39 5.47 6.07 4.79 4.68
Core ROAE 5.95 5.27 3.64 2.93 3.28
Net Interest Margin 3.39 3.37 3.25 3.31 3.36
Reported: Net Interest Margin 3.43 3.37 3.25 3.31 3.36
Efficiency Ratio 79.25 79.61 84.10 85 83.80
Noninterest Inc/ Operating Rev 36.44 38.41 39.64 40.74 41.31
Balance Sheet Ratios (%)
Loans/ Deposits 66.51 66.95 64.72 64.80 66.67
Securities/ Assets 23.91 24.13 24.67 22.90 19.39
Total Equity/ Total Assets 9.86 9.80 9.67 9.81 10.37
Tangible Equity/ Tangible Assets 7.17 7.09 6.90 6.99 7.38
Tang Common Equity/ Tang Assets 7.17 7.09 6.90 6.99 7.38
Asset Quality (%)
NPAs/ Assets 1.44 1.49 2.02 2.33 3.69
NPA Excl Restructured/ Assets 0.36 0.38 0.67 1.06 2
NPAs & 90+ PD/ Assets 1.44 1.49 2.02 2.33 3.69
NPAs/ Loans & REO 2.52 2.60 3.63 4.28 6.55
Nonaccrual & 90+ & OREO/ Assets 0.36 0.38 0.67 1.06 2
NPAs & 90+ PD/ Loans & REO 2.52 2.60 3.63 4.28 6.55
NPA & Loans 90+/ Tangible Common Equity + LLR 19.43 20.36 28.17 32.05 47.19
NCOs/ Avg Loans 0.19 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 31.48 30.76 23.40 21.39 18.11
Loan Loss Provision/ NCO 93.83 94.70 61.07 30.77 25.53
Capital Adequacy
Tier 1 Common Capital (CET1) ($000) 239,188 234,477 220,211 215,075 208,503
Tier 1 Capital ($000) 290,188 285,477 270,801 275,075 269,503
Tier 2 Capital ($000) 13,258 13,307 13,431 13,953 NA
Total Capital ($000) 303,446 298,784 284,232 289,028 287,042
Total Risk-weighted Assets ($000) 1,779,355 1,747,736 1,746,382 1,675,219 1,616,410
Tier 1 Common Capital (CET1) Ratio (%) 13.44 13.42 12.61 12.84 12.90
Tier 1 Ratio (%) 16.31 16.33 15.51 16.42 16.67
Total Capital Ratio (%) 17.05 17.10 16.28 17.25 17.76
Liquidity Coverage Ratio (%) NA NA NA NA NA
Leverage Ratio (%) 10.36 10.47 10.23 10.65 10.99
Basel III Leverage Ratio (%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding (actual) 17,044,066 16,988,951 16,844,698 17,156,919 17,447,223
Avg Diluted Shares (actual) 17,073,000 17,012,637 17,061,186 17,318,184 17,488,020
Basic Book Value per Share 16.92 16.73 16.34 15.99 15.62
As-reported Book Value per Share 16.87 16.65 16.23 15.93 15.53
Basic Tangible Book Value per Share 11.94 11.74 11.30 11.05 10.76
Reported: Tangible Book Value 11.91 11.69 11.23 11 10.70
Common Dividends Declared per Share 0.07 0.24 0.17 0.13 0.09
EPS after Extra 0.34 0.64 0.69 0.53 0.53
EPS after Extra Growth (%) 112.50 (7.20) 30.20 0 51.40
Core EPS 0.25 0.88 0.60 0.47 0.53
Core EPS Growth (%) 57.30 47.80 26.80 (11.70) 39.60
Diluted EPS before Amortization 0.34 0.64 0.69 0.53 0.53
Pre-Provision Earnings per Share 0.29 0.97 0.61 0.51 0.48
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