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Financial Highlights
 2017 FQ3 YTD2016 FY2015 FY2014 FY2013 FY
Period Ended9/30/201712/31/201612/31/201512/31/201412/31/2013
Balance Sheet ($000)   
Total Assets2,790,8422,845,1972,797,8602,627,1692,611,903
Total Net Loans1,624,7991,558,7441,489,9541,424,5231,376,574
Total Deposits2,347,6172,412,2862,302,8492,146,7942,136,248
Equity Attributable to Parent Company285,201275,168274,352272,540276,400
Total Equity285,201275,168274,352272,540276,400
Profitability (%)   
Net Income ($000) 10,86011,7469,1169,2606,045
Net Income Attributable to Parent ($000) 10,86011,7469,1169,2606,045
ROAA0.510.430.340.360.24
Core ROAA0.510.370.300.360.26
ROAE5.144.223.313.272.40
ROATCE7.356.074.794.683.71
Core ROAE5.143.642.933.282.61
Net Interest Margin3.333.253.313.363.54
Reported: Net Interest Margin3.343.253.313.363.54
Efficiency Ratio80.6984.1085.0083.8084.06
Noninterest Inc / Operating Rev38.7239.6440.7441.3141.75
Balance Sheet Ratios (%)   
Loans / Deposits69.4564.7264.8066.6765.00
Securities / Assets24.9124.6722.9019.3915.46
Total Equity / Total Assets10.229.679.8110.3710.58
Tangible Equity / Tangible Assets7.416.906.997.387.58
Tang Common Equity / Tang Assets7.416.906.997.387.58
Asset Quality (%)   
NPAs / Assets1.652.022.333.694.97
NPA Excl Restructured / Assets0.450.671.062.003.26
NPAs & 90+ PD / Assets1.652.022.333.694.97
NPAs / Loans & REO2.803.634.286.558.97
Nonaccrual & 90+ & OREO / Assets0.450.671.062.003.26
NPAs & 90+ PD / Loans & REO2.803.634.286.558.97
NPA & Loans 90+ / Tangible Common Equity + LLR21.5128.1732.0547.1960.47
NCOs / Avg Loans0.120.090.350.530.66
Loan Loss Reserves / Gross Loans0.810.850.931.221.65
Reserves / NPAs29.0223.4021.3918.1117.79
Loan Loss Provision / NCO93.7961.0730.7725.5336.38
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) 230,429220,211215,075208,503195,338
Tier 1 Capital ($000) 281,346270,801275,075269,503256,338
Tier 2 Capital ($000) NA13,43113,953NANA
Total Capital ($000) 294,727284,232289,028287,042277,618
Total Risk-weighted Assets ($000) 1,737,7761,746,3821,675,2191,616,4101,547,747
Tier 1 Common Capital (CET1) Ratio (%) 13.2612.6112.8412.9012.62
Tier 1 Ratio (%) 16.1915.5116.4216.6716.56
Total Capital Ratio (%) 16.9616.2817.2517.7617.94
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) 10.4810.2310.6510.9910.46
Basel III Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 16,966,04716,844,69817,156,91917,447,22317,360,960
Avg Diluted Shares (actual) 17,009,00017,061,18617,318,18417,488,02017,399,355
Basic Book Value per Share16.8116.3415.9915.6215.92
As-reported Book Value per Share16.7316.2315.9315.5315.85
Basic Tangible Book Value per Share11.8111.3011.0510.7611.03
Reported: Tangible Book Value11.7611.2311.0010.7010.98
Common Dividends Declared per Share0.170.170.130.090
EPS after Extra0.640.690.530.530.35
EPS after Extra Growth (%) 30.6030.20051.40NM
Core EPS0.640.600.470.530.38
Core EPS Growth (%) 61.5026.80(11.7)39.60958.80
Diluted EPS before Amortization0.640.690.530.530.36
Pre-Provision Earnings per Share0.680.610.510.480.45
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