Financial Highlights


Financial Highlights
2019 FQ1
3/31/2019
2018 FQ1
3/31/2018
Y-Y Ch (%)
2018 FQ4
12/31/2018
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 2,623,531 2,366,485 10.86 2,676,003 (7.84)
Total Net Loans 1,885,964 1,586,050 18.91 1,881,005 1.05
Total Deposits 2,123,512 1,962,048 8.23 2,116,673 1.29
Equity Attributable to Parent Company 243,255 204,001 19.24 229,081 24.75
Total Equity 243,255 204,001 19.24 229,081 24.75
Profitability (%)
Net Income($000) 8,468 9,489 (10.76) 8,620 (7.05)
Net Income Attributable to Parent($000) 8,468 9,489 (10.76) 8,620 (7.05)
ROAA 1.29 1.61 (32) bp 1.31 (2) bp
Core ROAA 1.30 1.51 (21) bp 1.35 (5) bp
ROAE 14.40 18.84 (444) bp 15.49 (109) bp
ROATCE 16.07 19.75 (368) bp 17.51 (144) bp
Core ROAE 14.55 17.60 (305) bp 15.96 (141) bp
Net Interest Margin 4.03 3.71 32 bp 4.11 (8) bp
Reported: Net Interest Margin 4.09 3.76 33 bp 4.07 2 bp
Efficiency Ratio 61.22 61.24 (2) bp 58.22 300 bp
Noninterest Inc/ Operating Rev 21.17 27.51 (634) bp 21.08 9 bp
Balance Sheet Ratios (%)
Loans/ Deposits 89.62 81.64 798 bp 89.62 0 bp
Securities/ Assets 19.83 23.67 (384) bp 20.73 (90) bp
Total Equity/ Total Assets 9.27 8.62 65 bp 8.56 71 bp
Tangible Equity/ Tangible Assets 8.52 8.28 24 bp 7.81 71 bp
Tang Common Equity/ Tang Assets 8.52 8.28 24 bp 7.81 71 bp
Asset Quality (%)
NPAs/ Assets 0.90 0.82 8 bp 0.93 (3) bp
NPA Excl Restructured/ Assets 0.84 0.77 7 bp 0.87 (3) bp
NPAs & 90+ PD/ Assets 0.90 0.84 6 bp 0.96 (6) bp
NPAs/ Loans & REO 1.23 1.21 2 bp 1.30 (7) bp
Nonaccrual & 90+ & OREO/ Assets 0.84 0.78 6 bp 0.90 (6) bp
NPAs & 90+ PD/ Loans & REO 1.23 1.23 0 bp 1.35 (12) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 9.77 9.31 46 bp 11.40 (163) bp
NCOs/ Avg Loans 0.03 (0.36) 39 bp 0.18 (15) bp
Loan Loss Reserves/ Gross Loans 1.01 1.13 (12) bp 1 1 bp
Reserves/ NPAs 82.09 93.53 (1,144) bp 76.44 565 bp
Loan Loss Provision/ NCO 321.43 NM NM 60.83 26,060 bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 216,215 189,150 14.31 207,597 16.61
Tier 1 Capital($000) 272,840 243,353 12.12 263,125 14.77
Tier 2 Capital($000) 19,311 18,183 6.20 19,001 6.53
Total Capital($000) 292,151 261,536 11.71 282,126 14.21
Total Risk-weighted Assets($000) 2,217,590 1,926,531 15.11 2,234,629 (3.05)
Tier 1 Common Capital (CET1) Ratio(%) 9.75 9.82 (7) bp 9.29 46 bp
Tier 1 Ratio(%) 12.30 12.63 (33) bp 11.78 52 bp
Total Capital Ratio(%) 13.17 13.58 (41) bp 12.63 54 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.44 10.44 0 bp 10.08 36 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 29,895,022 29,747,078 0.50 29,763,078 1.77
Avg Diluted Shares(actual) 30,343,631 30,168,748 0.58 30,343,296 0
Basic Book Value per Share 8.14 6.86 18.66 7.70 22.86
Book Value per Share, As Reported NA 6.86 NA 7.70 NA
Basic Tangible Book Value per Share 7.41 6.56 12.96 6.96 25.86
Tangible Book Value per Share, As Reported NA 6.56 NA NA NA
Common Dividends Declared per Share 0.01 0.01 0 0.01 0
EPS after Extra 0.28 0.31 (9.68) 0.28 0
EPS after Extra Growth(%) (9.70) 106.70 (11,635) bp NM NM
Core EPS 0.28 0.29 (3.45) 0.29 (13.79)
Core EPS Growth(%) (2.30) 88.50 (9,088) bp 37.10 (3,947) bp
Diluted EPS before Amortization 0.28 0.31 (9.68) 0.29 (13.79)
Pre-Provision Earnings per Share 0.30 0.26 15.38 0.31 (12.90)

   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.


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