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Financial Highlights Report

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 2,292,678 2,159,069 1,966,113 1,869,902 1,136,967
Total Net Loans 1,679,583 1,565,338 1,417,138 1,289,656 656,731
Total Deposits 1,758,711 1,604,719 1,524,756 1,409,047 915,703
Equity Attributable to Parent Company 248,789 242,074 213,216 198,047 123,560
Total Equity 248,789 242,074 213,216 198,047 123,560
Profitability (%)
Net Income($000) 23,883 22,711 20,557 8,055 8,965
Net Income Attributable to Parent($000) 23,883 22,711 20,557 8,055 8,965
ROAA 1.44 1.09 1.07 0.54 0.79
Core ROAA 1.49 1.26 1.13 0.86 0.80
ROAE 12.96 9.92 9.72 4.97 7.45
ROATCE 16.41 12.88 12.88 6.50 8.57
Core ROAE 13.42 11.44 10.25 7.89 7.62
Net Interest Margin 3.89 3.99 4.01 3.81 3.59
Reported: Net Interest Margin 3.90 3.99 4.01 3.81 3.59
Efficiency Ratio 58.12 58.47 61.04 66.08 70.47
Noninterest Inc/ Operating Rev 24.33 24.66 25.19 26.80 29.01
Balance Sheet Ratios (%)
Loans/ Deposits 96.18 98.30 93.63 92.04 72.50
Securities/ Assets 17.82 18.95 19.31 21.59 34.66
Total Equity/ Total Assets 10.85 11.21 10.84 10.59 10.87
Tangible Equity/ Tangible Assets 9.09 9.31 8.75 8.49 10.17
Tang Common Equity/ Tang Assets 9.09 9.31 8.75 8.49 10.17
Asset Quality (%)
NPAs/ Assets 0.58 0.55 0.71 1.03 1.43
NPA Excl Restructured/ Assets 0.33 0.32 0.35 0.53 0.72
NPAs & 90+ PD/ Assets 0.65 0.59 0.80 1.11 1.47
NPAs/ Loans & REO 0.78 0.75 0.98 1.49 2.45
Nonaccrual & 90+ & OREO/ Assets 0.40 0.36 0.44 0.61 0.76
NPAs & 90+ PD/ Loans & REO 0.88 0.81 1.10 1.59 2.52
NPA & Loans 90+/ Tangible Common Equity + LLR 6.80 6.15 8.75 12.62 13.68
NCOs/ Avg Loans 0.12 0.13 0.15 0.23 0.29
Loan Loss Reserves/ Gross Loans 0.79 0.78 0.76 0.69 1.15
Reserves/ NPAs 101.26 104.24 77.64 46.46 46.92
Loan Loss Provision/ NCO 175.16 177.53 193.89 162.20 103.52
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 216,942 199,201 180,475 165,451 113,654
Tier 1 Capital($000) 219,188 201,410 182,635 167,550 113,654
Tier 2 Capital($000) 13,377 12,315 10,852 9,021 NA
Total Capital($000) 232,565 213,725 193,487 176,571 121,340
Total Risk-weighted Assets($000) 1,788,475 1,679,396 1,543,868 1,427,670 736,452
Tier 1 Common Capital (CET1) Ratio(%) 12.13 11.86 11.69 11.59 15.43
Tier 1 Ratio(%) 12.26 11.99 11.83 11.74 15.43
Total Capital Ratio(%) 13 12.73 12.53 12.37 16.48
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.87 9.50 9.41 9.21 10.03
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 27,777,161 27,544,048 27,047,664 26,944,284 18,408,612
Avg Diluted Shares(actual) 27,944,131 27,619,076 27,209,338 22,683,570 18,675,416
Basic Book Value per Share 8.96 8.79 7.88 7.35 6.71
Book Value per Share, As Reported 8.96 8.79 7.88 7.35 6.71
Basic Tangible Book Value per Share 7.36 7.14 6.21 5.76 6.23
Tangible Book Value per Share, As Reported 7.36 7.14 6.21 5.76 6.23
Common Dividends Declared per Share 0.22 0.22 0.16 0.12 0.12
EPS after Extra 0.85 0.82 0.76 0.36 0.48
EPS after Extra Growth(%) 32.80 7.90 111.10 (25) 17.10
Core EPS 0.88 0.95 0.80 0.57 0.49
Core EPS Growth(%) 29.10 18 40.20 16.40 21
Diluted EPS before Amortization 0.89 0.87 0.81 0.40 0.52
Pre-Provision Earnings per Share 0.86 0.87 0.77 0.59 0.45
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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