Financial Highlights
2017 FQ3 YTD
9/30/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
2013 FY
12/31/2013
Balance Sheet ($000)
Total Assets 5,334,788 5,091,383 4,655,380 4,397,132 4,106,100
Total Net Loans 4,156,278 3,896,963 3,469,932 3,100,102 2,753,865
Total Deposits 3,955,792 3,577,544 3,263,730 3,066,509 2,877,225
Equity Attributable to Parent Company 564,480 533,572 524,427 521,751 499,363
Total Equity 564,480 533,572 524,427 521,751 499,363
Profitability (%)
Net Income($000) 44,942 48,250 45,355 38,200 44,422
Net Income Attributable to Parent($000) 44,942 48,250 45,355 38,200 44,422
ROAA 1.15 1.02 1.01 0.91 1.11
Core ROAA 1.15 0.99 0.96 1.02 1.15
ROAE 10.96 9.15 8.73 7.43 9.11
ROATCE 13.03 10.92 10.48 9.02 11.37
Core ROAE 10.98 8.92 8.29 8.36 9.44
Net Interest Margin 3.54 3.49 3.44 3.43 3.62
Reported: Net Interest Margin 3.55 3.49 3.44 3.45 3.63
Efficiency Ratio 54.96 59.85 61.05 62.42 59.81
Noninterest Inc/ Operating Rev 23.12 24.72 26.51 26.57 26.73
Balance Sheet Ratios (%)
Loans/ Deposits 106.02 109.79 107.10 101.99 96.77
Securities/ Assets 14.92 15.33 18.10 21.26 24.78
Total Equity/ Total Assets 10.58 10.48 11.26 11.87 12.16
Tangible Equity/ Tangible Assets 9.11 8.93 9.63 10.14 10.29
Tang Common Equity/ Tang Assets 9.11 8.93 9.63 10.14 10.29
Asset Quality (%)
NPAs/ Assets 0.59 0.66 0.80 0.85 1.01
NPA Excl Restructured/ Assets 0.54 0.61 0.70 0.72 0.78
NPAs & 90+ PD/ Assets 0.59 0.66 0.80 0.85 1.01
NPAs/ Loans & REO 0.75 0.85 1.06 1.18 1.48
Nonaccrual & 90+ & OREO/ Assets 0.55 0.62 0.70 0.72 0.78
NPAs & 90+ PD/ Loans & REO 0.75 0.86 1.06 1.18 1.48
NPA & Loans 90+/ Tangible Common Equity + LLR 6.05 6.89 7.74 7.84 9.14
NCOs/ Avg Loans 0.05 0.06 0.07 0.03 0.12
Loan Loss Reserves/ Gross Loans 1.07 1.12 1.16 1.20 1.39
Reserves/ NPAs 142.95 131.11 109.81 101.56 93.70
Loan Loss Provision/ NCO 153.80 233.61 235.78 (20.35) (34.89)
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 455,923 443,284 439,042 417,473
Tier 1 Capital($000) NA 485,923 478,284 474,042 452,473
Tier 2 Capital($000) NA 44,067 40,895 NA NA
Total Capital($000) NA 529,990 519,179 511,845 491,239
Total Risk-weighted Assets($000) NA 4,139,717 3,643,050 3,399,057 3,138,249
Tier 1 Common Capital (CET1) Ratio(%) 10.99 11.01 12.17 12.92 13.30
Tier 1 Ratio(%) 10.99 11.74 13.13 13.95 14.42
Total Capital Ratio(%) 12.01 12.80 14.25 15.06 15.65
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.28 10.14 10.60 11.26 11.32
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 23,990,370 23,901,084 24,295,971 25,044,877 24,990,021
Avg Diluted Shares(actual) 24,201,448 24,149,121 24,697,908 25,139,370 25,075,014
Basic Book Value per Share 23.53 22.32 21.58 20.83 19.98
As-reported Book Value per Share 23.53 22.32 21.58 20.83 19.98
Basic Tangible Book Value per Share 19.93 18.71 18.11 17.45 16.56
Reported: Tangible Book Value 20.07 18.98 18.17 17.48 16.68
Common Dividends Declared per Share 0.78 0.98 0.90 0.76 0.64
EPS after Extra 1.86 2 1.84 1.52 1.77
EPS after Extra Growth(%) 28.30 8.70 21.10 (14.10) 19.60
Core EPS 1.86 1.95 1.75 1.71 1.83
Core EPS Growth(%) 33 11.70 2.20 (6.80) 15.70
Diluted EPS before Amortization 1.86 2.01 1.86 1.55 1.84
Pre-Provision Earnings per Share 1.89 2.04 1.82 1.61 1.72
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