Financial Highlights

Financial Highlights
2019 FQ3 YTD
9/30/2019
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 3,837,729 3,839,734 2,841,539 2,884,535 2,114,499
Total Net Loans 2,596,817 2,618,330 1,919,524 1,809,239 1,267,313
Total Deposits 2,988,925 2,988,686 2,274,639 2,329,887 1,732,568
Equity Attributable to Parent Company 521,959 475,864 307,964 280,673 205,009
Total Equity 521,959 475,864 307,964 280,673 205,009
Profitability (%)
Net Income($000) 35,967 36,600 26,684 21,840 16,512
Net Income Attributable to Parent($000) 35,967 36,600 26,684 21,840 16,512
ROAA 1.25 1.13 0.94 0.94 0.91
Core ROAA 1.43 1.33 1.08 0.99 0.98
ROAE 9.60 9.59 8.92 9.24 8.83
ROATCE 14.38 13.50 12.18 13.16 11.75
Core ROAE 11 11.31 10.22 9.78 9.50
Net Interest Margin 3.69 3.80 3.70 3.40 3.38
Reported: Net Interest Margin 3.66 3.79 3.70 3.39 3.37
Efficiency Ratio 56.18 54.28 54.65 58.68 60.45
Noninterest Inc/ Operating Rev 30.12 23.60 23.89 26.54 26.49
Balance Sheet Ratios (%)
Loans/ Deposits 87.62 88.43 85.22 78.32 73.93
Securities/ Assets 21.34 20.13 23.09 24.38 28.86
Total Equity/ Total Assets 13.60 12.39 10.84 9.73 9.70
Tangible Equity/ Tangible Assets 10.50 9.15 8.59 7.50 7.51
Tang Common Equity/ Tang Assets 10.50 9.15 8.59 7.50 6.18
Asset Quality (%)
NPAs/ Assets 0.75 0.84 0.72 0.70 0.21
NPA Excl Restructured/ Assets 0.67 0.78 0.69 0.49 0.18
NPAs & 90+ PD/ Assets 0.75 0.84 0.72 0.70 0.21
NPAs/ Loans & REO 1.09 1.22 1.05 1.11 0.35
Nonaccrual & 90+ & OREO/ Assets 0.67 0.78 0.69 0.49 0.18
NPAs & 90+ PD/ Loans & REO 1.09 1.22 1.05 1.11 0.35
NPA & Loans 90+/ Tangible Common Equity + LLR 6.89 8.86 7.89 8.92 3.16
NCOs/ Avg Loans 0.16 0.11 0.23 0.04 0.04
Loan Loss Reserves/ Gross Loans 1.02 0.99 1.03 0.92 1.14
Reserves/ NPAs 93.35 80.97 98.18 82.84 324.56
Loan Loss Provision/ NCO 117.56 353.03 176.07 435.44 310.85
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 391,429 357,690 246,866 229,341 142,057
Tier 1 Capital($000) 420,555 386,690 270,866 253,258 189,457
Tier 2 Capital($000) 26,741 26,189 19,977 16,804 14,576
Total Capital($000) 447,296 412,879 290,843 270,062 204,033
Total Risk-weighted Assets($000) 2,923,245 3,030,259 2,290,253 2,111,787 1,432,205
Tier 1 Common Capital (CET1) Ratio(%) 13.39 11.80 10.78 10.86 9.92
Tier 1 Ratio(%) 14.39 12.76 11.83 11.99 13.23
Total Capital Ratio(%) 15.30 13.63 12.70 12.79 14.25
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.38 11.15 9.91 9.19 9.20
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 16,663,095 16,644,635 12,660,748 12,470,999 8,453,967
Avg Diluted Shares(actual) 16,712,712 14,500,585 12,536,534 10,663,710 9,137,689
Basic Book Value per Share 31.32 28.59 24.32 22.51 21.01
Book Value per Share, As Reported 31.32 28.57 24.32 22.51 21.01
Basic Tangible Book Value per Share 23.35 20.36 18.80 16.92 15.09
Tangible Book Value per Share, As Reported 23.25 20.22 18.73 16.84 15.09
Common Dividends Declared per Share 0.36 0.70 0.66 0.62 0.59
EPS after Extra 2.15 2.52 2.13 2.05 1.81
EPS after Extra Growth(%) 13.20 18.30 3.90 13.30 (2.20)
Core EPS 2.46 2.97 2.44 2.17 1.95
Core EPS Growth(%) 9.70 21.70 12.60 11.50 5.50
Diluted EPS before Amortization 2.40 2.72 2.29 2.22 1.91
Pre-Provision Earnings per Share 2.54 3.40 2.65 2.24 2
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