Financial Highlights

Financial Highlights
2019 FQ2 YTD
6/30/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
Balance Sheet ($000)
Total Assets 5,376,686 5,316,927 4,113,270 3,878,981 3,650,792
Total Net Loans 3,685,612 3,620,673 2,819,273 2,621,328 2,379,978
Total Deposits 4,347,708 4,432,402 3,393,060 3,229,648 3,108,287
Equity Attributable to Parent Company 796,625 760,723 508,305 481,763 469,970
Total Equity 796,625 760,723 508,305 481,763 469,970
Profitability (%)
Net Income($000) 32,536 53,057 41,791 38,918 37,489
Net Income Attributable to Parent($000) 32,536 53,057 41,791 38,918 37,489
ROAA 1.22 1.07 1.05 1.04 1.06
Core ROAA 1.28 1.30 1.14 1.04 1
ROAE 8.40 7.72 8.36 8.01 8.08
ROATCE 13.25 11.83 11.32 11 11.49
Core ROAE 8.84 9.44 9.06 8.02 7.61
Net Interest Margin 4.27 4.26 3.89 3.92 4.08
Reported: Net Interest Margin 4.34 4.29 3.93 3.96 4.11
Efficiency Ratio 62.04 61.16 62.38 64.19 65.51
Noninterest Inc/ Operating Rev 12.97 14.12 20.02 18.61 17.14
Balance Sheet Ratios (%)
Loans/ Deposits 85.52 82.44 83.97 81.77 77.28
Securities/ Assets 18.06 18.47 19.91 20.68 22.35
Total Equity/ Total Assets 14.82 14.31 12.36 12.42 12.87
Tangible Equity/ Tangible Assets 10.50 9.87 9.61 9.47 9.71
Tang Common Equity/ Tang Assets 10.50 9.87 9.61 9.47 9.71
Asset Quality (%)
NPAs/ Assets NA NA 0.83 0.79 0.84
NPA Excl Restructured/ Assets NA NA 0.21 0.23 0.28
NPAs & 90+ PD/ Assets NA NA 0.83 0.79 0.84
NPAs/ Loans & REO NA NA 1.20 1.15 1.27
Nonaccrual & 90+ & OREO/ Assets NA NA 0.21 0.23 0.28
NPAs & 90+ PD/ Loans & REO NA NA 1.20 1.15 1.27
NPA & Loans 90+/ Tangible Common Equity + LLR NA NA 8.23 7.88 8.23
NCOs/ Avg Loans 0.05 0.06 0.12 0.14 0.10
Loan Loss Reserves/ Gross Loans 0.98 0.96 1.13 1.17 1.23
Reserves/ NPAs NA NA 93.93 102.02 97.24
Loan Loss Provision/ NCO 236.75 236.03 131.18 137.20 185.65
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 531,362 510,618 386,689 362,350 345,993
Tier 1 Capital($000) 551,810 530,920 406,687 381,989 365,232
Tier 2 Capital($000) 36,669 35,348 32,357 31,331 29,916
Total Capital($000) 588,479 566,268 439,044 413,320 395,148
Total Risk-weighted Assets($000) 4,514,576 4,381,971 3,433,822 3,170,839 2,881,622
Tier 1 Common Capital (CET1) Ratio(%) 11.77 11.65 11.26 11.43 12.01
Tier 1 Ratio(%) 12.22 12.12 11.84 12.05 12.67
Total Capital Ratio(%) 13.04 12.92 12.79 13.04 13.71
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.83 10.52 10.20 10.31 10.41
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 36,882,771 36,874,055 29,927,746 29,954,931 29,975,439
Avg Diluted Shares(actual) 37,011,736 35,371,590 29,849,331 29,692,153 29,812,340
Basic Book Value per Share 21.60 20.63 16.98 16.08 15.68
Book Value per Share, As Reported 21.60 20.63 16.98 16.08 15.68
Basic Tangible Book Value per Share 14.56 13.54 12.80 11.86 11.41
Tangible Book Value per Share, As Reported 14.56 13.54 12.80 11.86 11.41
Common Dividends Declared per Share 0.36 0.72 0.61 0.72 0.53
EPS after Extra 0.88 1.49 1.39 1.30 1.25
EPS after Extra Growth(%) 41.90 7.20 6.90 4 52.40
Core EPS 0.93 1.82 1.51 1.30 1.18
Core EPS Growth(%) 11.60 21.10 15.70 10.70 6.20
Diluted EPS before Amortization 0.94 1.60 1.43 1.35 1.32
Pre-Provision Earnings per Share 0.88 1.79 1.39 1.22 1.09
Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.
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