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Financial Highlights

Financial Highlights
2018 FQ3 YTD
9/30/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
Balance Sheet ($000)
Total Assets 5,276,214 4,113,270 3,878,981 3,650,792 3,457,750
Total Net Loans 3,616,461 2,819,273 2,621,328 2,379,978 2,228,930
Total Deposits 4,398,127 3,393,060 3,229,648 3,108,287 2,906,331
Equity Attributable to Parent Company 746,133 508,305 481,763 469,970 454,506
Total Equity 746,133 508,305 481,763 469,970 454,506
Profitability (%)
Net Income($000) 36,448 41,791 38,918 37,489 21,014
Net Income Attributable to Parent($000) 36,448 41,791 38,918 37,489 21,014
ROAA 1 1.05 1.04 1.06 0.74
Core ROAA 1.28 1.14 1.04 1 1
ROAE 7.30 8.36 8.01 8.08 5.61
ROATCE 10.98 11.32 11 11.49 7.84
Core ROAE 9.35 9.06 8.02 7.61 7.56
Net Interest Margin 4.21 3.88 3.92 4.08 4.48
Reported: Net Interest Margin 4.26 3.92 3.96 4.11 4.53
Efficiency Ratio 62.23 62.38 64.19 65.51 66.27
Noninterest Inc/ Operating Rev 14.32 20.02 18.61 17.14 12.29
Balance Sheet Ratios (%)
Loans/ Deposits 82.97 83.97 81.77 77.28 77.45
Securities/ Assets 17.57 19.91 20.68 22.35 22.87
Total Equity/ Total Assets 14.14 12.36 12.42 12.87 13.14
Tangible Equity/ Tangible Assets 9.65 9.61 9.47 9.71 9.75
Tang Common Equity/ Tang Assets 9.65 9.61 9.47 9.71 9.75
Asset Quality (%)
NPAs/ Assets NA 0.83 0.79 0.84 0.75
NPA Excl Restructured/ Assets NA 0.21 0.23 0.28 0.23
NPAs & 90+ PD/ Assets NA 0.83 0.79 0.84 0.75
NPAs/ Loans & REO NA 1.20 1.15 1.27 1.22
Nonaccrual & 90+ & OREO/ Assets NA 0.21 0.23 0.28 0.23
NPAs & 90+ PD/ Loans & REO NA 1.20 1.15 1.27 1.22
NPA & Loans 90+/ Tangible Common Equity + LLR NA 8.23 7.88 8.23 7.38
NCOs/ Avg Loans 0.06 0.12 0.14 0.10 0.15
Loan Loss Reserves/ Gross Loans 0.94 1.13 1.17 1.23 1.23
Reserves/ NPAs NA 93.93 102.02 97.24 106.67
Loan Loss Provision/ NCO 251.39 131.18 137.20 185.65 167.91
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 501,520 386,689 362,350 345,993 321,210
Tier 1 Capital($000) 521,749 406,687 381,989 365,232 340,292
Tier 2 Capital($000) 34,781 32,357 31,331 29,916 NA
Total Capital($000) 556,530 439,044 413,320 395,148 368,198
Total Risk-weighted Assets($000) 4,404,047 3,433,822 3,170,839 2,881,622 2,440,498
Tier 1 Common Capital (CET1) Ratio(%) 11.39 11.26 11.43 12.01 13.16
Tier 1 Ratio(%) 11.85 11.84 12.05 12.67 13.94
Total Capital Ratio(%) 12.64 12.79 13.04 13.71 15.09
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.42 10.20 10.31 10.41 10.24
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 36,873,123 29,927,746 29,954,931 29,975,439 30,259,838
Avg Diluted Shares(actual) 34,820,602 29,849,331 29,692,153 29,812,340 25,477,289
Basic Book Value per Share 20.24 16.98 16.08 15.68 15.02
Book Value per Share, As Reported 20.24 16.98 16.08 15.68 15.02
Basic Tangible Book Value per Share 13.11 12.80 11.86 11.41 10.73
Tangible Book Value per Share, As Reported 13.11 12.80 11.86 11.41 10.73
Common Dividends Declared per Share 0.45 0.61 0.72 0.53 0.50
EPS after Extra 1.04 1.39 1.30 1.25 0.82
EPS after Extra Growth(%) (1.90) 6.90 4 52.40 34.40
Core EPS 1.33 1.51 1.30 1.18 1.11
Core EPS Growth(%) 22.90 15.70 10.70 6.20 37.40
Diluted EPS before Amortization 1.12 1.43 1.35 1.32 0.90
Pre-Provision Earnings per Share 1.29 1.39 1.22 1.09 1.06
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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