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Financial Highlights Report

Financial Highlights
2019 FQ1 YTD
3/31/2019
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 2,356,074 2,328,864 2,159,069 1,966,113 1,869,902
Total Net Loans 1,732,234 1,723,485 1,565,338 1,417,138 1,289,656
Total Deposits 1,954,333 1,799,720 1,604,719 1,524,756 1,409,047
Equity Attributable to Parent Company 272,951 262,320 242,074 213,216 198,047
Total Equity 272,951 262,320 242,074 213,216 198,047
Profitability (%)
Net Income($000) 8,388 32,569 22,711 20,557 8,055
Net Income Attributable to Parent($000) 8,388 32,569 22,711 20,557 8,055
ROAA 1.43 1.46 1.09 1.07 0.54
Core ROAA 1.48 1.50 1.26 1.13 0.86
ROAE 12.53 13.13 9.92 9.72 4.97
ROATCE 15.44 16.57 12.88 12.88 6.50
Core ROAE 12.92 13.45 11.44 10.25 7.89
Net Interest Margin 3.76 3.87 3.99 4.01 3.81
Reported: Net Interest Margin 3.81 3.87 3.99 4.01 3.81
Efficiency Ratio 57.74 58.22 58.10 61.04 66.08
Noninterest Inc/ Operating Rev 24.61 24.32 24.66 25.19 26.80
Balance Sheet Ratios (%)
Loans/ Deposits 89.22 96.45 98.30 93.63 92.04
Securities/ Assets 17.95 18.08 18.95 19.31 21.59
Total Equity/ Total Assets 11.58 11.26 11.21 10.84 10.59
Tangible Equity/ Tangible Assets 9.92 9.56 9.31 8.75 8.49
Tang Common Equity/ Tang Assets 9.92 9.56 9.31 8.75 8.49
Asset Quality (%)
NPAs/ Assets 0.52 0.53 0.55 0.71 1.03
NPA Excl Restructured/ Assets 0.30 0.29 0.32 0.35 0.53
NPAs & 90+ PD/ Assets 0.56 0.57 0.59 0.80 1.11
NPAs/ Loans & REO 0.70 0.71 0.75 0.98 1.49
Nonaccrual & 90+ & OREO/ Assets 0.33 0.33 0.36 0.44 0.61
NPAs & 90+ PD/ Loans & REO 0.75 0.76 0.81 1.10 1.59
NPA & Loans 90+/ Tangible Common Equity + LLR 5.38 5.71 6.15 8.75 12.62
NCOs/ Avg Loans 0.08 0.11 0.13 0.15 0.23
Loan Loss Reserves/ Gross Loans 0.79 0.78 0.78 0.76 0.69
Reserves/ NPAs 112.25 110.64 104.24 77.64 46.46
Loan Loss Provision/ NCO 150.68 174.11 177.53 193.89 162.20
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 229,240 222,892 199,201 180,475 165,451
Tier 1 Capital($000) 231,510 225,150 201,410 182,635 167,550
Tier 2 Capital($000) 13,777 13,592 12,315 10,852 9,021
Total Capital($000) 245,287 238,742 213,725 193,487 176,571
Total Risk-weighted Assets($000) 1,853,193 1,832,993 1,679,396 1,543,868 1,427,670
Tier 1 Common Capital (CET1) Ratio(%) 12.37 12.16 11.86 11.69 11.59
Tier 1 Ratio(%) 12.50 12.28 11.99 11.83 11.74
Total Capital Ratio(%) 13.24 13.03 12.73 12.53 12.37
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.07 9.91 9.50 9.41 9.21
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 27,776,908 27,791,901 27,544,048 27,047,664 26,944,284
Avg Diluted Shares(actual) 27,983,329 27,974,185 27,619,076 27,209,338 22,683,570
Basic Book Value per Share 9.83 9.44 8.79 7.88 7.35
Book Value per Share, As Reported 9.83 9.44 8.79 7.88 7.35
Basic Tangible Book Value per Share 8.26 7.86 7.14 6.21 5.76
Tangible Book Value per Share, As Reported 8.26 7.86 7.14 6.21 5.76
Common Dividends Declared per Share 0.09 0.30 0.22 0.16 0.12
EPS after Extra 0.30 1.16 0.82 0.76 0.36
EPS after Extra Growth(%) 7.10 41.50 7.90 111.10 (25)
Core EPS 0.31 1.19 0.95 0.80 0.57
Core EPS Growth(%) 6.50 25.60 18 40.20 16.40
Diluted EPS before Amortization 0.31 1.21 0.87 0.81 0.40
Pre-Provision Earnings per Share 0.30 1.15 0.88 0.77 0.59
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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