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Financial Highlights
 2017 FQ2 YTD2016 FY2015 FY2014 FY2013 FY
Period Ended6/30/201712/31/201612/31/201512/31/201412/31/2013
Balance Sheet ($000)   
Total Assets2,814,8432,845,1972,797,8602,627,1692,611,903
Total Net Loans1,616,1671,558,7441,489,9541,424,5231,376,574
Total Deposits2,371,9332,412,2862,302,8492,146,7942,136,248
Equity Attributable to Parent Company281,513275,168274,352272,540276,400
Total Equity281,513275,168274,352272,540276,400
Profitability (%)   
Net Income ($000) 6,30511,7469,1169,2606,045
Net Income Attributable to Parent ($000) 6,30511,7469,1169,2606,045
ROAA0.450.430.340.360.24
Core ROAA0.450.370.300.360.26
ROAE4.504.223.313.272.40
ROATCE6.466.074.794.683.71
Core ROAE4.503.642.933.282.61
Net Interest Margin3.243.253.313.363.54
Reported: Net Interest Margin3.273.253.313.363.54
Efficiency Ratio82.3584.1085.0083.8084.06
Noninterest Inc / Operating Rev39.1239.6440.7441.3141.75
Balance Sheet Ratios (%)   
Loans / Deposits68.3564.7264.8066.6765.00
Securities / Assets24.4624.6722.9019.3915.46
Total Equity / Total Assets10.009.679.8110.3710.58
Tangible Equity / Tangible Assets7.216.906.997.387.58
Tang Common Equity / Tang Assets7.216.906.997.387.58
Asset Quality (%)   
NPAs / Assets1.822.022.333.694.97
NPA Excl Restructured / Assets0.570.671.062.003.26
NPAs & 90+ PD / Assets1.822.022.333.694.97
NPAs / Loans & REO3.143.634.286.558.97
Nonaccrual & 90+ & OREO / Assets0.570.671.062.003.26
NPAs & 90+ PD / Loans & REO3.143.634.286.558.97
NPA & Loans 90+ / Tangible Common Equity + LLR24.4728.1732.0547.1960.47
NCOs / Avg Loans0.140.090.350.530.66
Loan Loss Reserves / Gross Loans0.810.850.931.221.65
Reserves / NPAs25.7823.4021.3918.1117.79
Loan Loss Provision / NCO82.6361.0730.7725.5336.38
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) 226,805220,211215,075208,503195,338
Tier 1 Capital ($000) 277,774270,801275,075269,503256,338
Tier 2 Capital ($000) 13,24213,43113,953NANA
Total Capital ($000) 291,016284,232289,028287,042277,618
Total Risk-weighted Assets ($000) 1,783,4071,746,3821,675,2191,616,4101,547,747
Tier 1 Common Capital (CET1) Ratio (%) 12.7212.6112.8412.9012.62
Tier 1 Ratio (%) 15.5815.5116.4216.6716.56
Total Capital Ratio (%) 16.3216.2817.2517.7617.94
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) 10.2010.2310.6510.9910.46
Basel III Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 16,964,01516,844,69817,156,91917,447,22317,360,960
Avg Diluted Shares (actual) 16,993,00017,061,18617,318,18417,488,02017,399,355
Basic Book Value per Share16.5916.3415.9915.6215.92
As-reported Book Value per Share16.5416.2315.9315.5315.85
Basic Tangible Book Value per Share11.6011.3011.0510.7611.03
Reported: Tangible Book Value11.5511.2311.0010.7010.98
Common Dividends Declared per Share0.100.170.130.090
EPS after Extra0.370.690.530.530.35
EPS after Extra Growth (%) 15.6030.20051.40NM
Core EPS0.370.600.470.530.38
Core EPS Growth (%) 62.8026.80(11.7)39.60958.80
Diluted EPS before Amortization0.370.690.530.530.36
Pre-Provision Earnings per Share0.390.610.510.480.45
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