Financial Highlights
2019 FQ2 YTD
6/30/2019
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 2,212,027 2,244,374 2,388,460 2,386,398 2,462,276
Total Net Loans 1,702,388 1,756,817 1,797,908 1,835,000 1,686,308
Total Deposits 1,848,038 1,855,750 1,929,891 1,841,338 1,873,259
Equity Attributable to Parent Company 333,686 332,857 350,714 339,057 343,017
Total Equity 333,686 332,857 350,714 339,057 343,017
Profitability (%)
Net Income($000) 20,082 36,340 21,485 25,126 24,540
Net Income Attributable to Parent($000) 20,082 36,340 21,485 25,126 24,540
ROAA 1.81 1.56 0.91 1.02 0.97
Core ROAA 1.58 1.59 1.22 1.07 0.97
ROAE 12.07 10.64 6.14 7.42 7.05
ROATCE 17.40 15.92 8.97 11.13 10.53
Core ROAE 10.57 10.88 8.25 7.74 7.03
Net Interest Margin 4.62 4.46 4.23 4.01 3.93
Reported: Net Interest Margin 4.66 4.46 4.23 4.01 3.93
Efficiency Ratio 56.11 54.87 56.75 60.50 62.41
Noninterest Inc/ Operating Rev 22.44 22.95 22.12 22.97 23.95
Balance Sheet Ratios (%)
Loans/ Deposits 93.12 95.65 94.16 100.63 91.10
Securities/ Assets NA 8.38 8.43 9.41 18.29
Total Equity/ Total Assets 15.09 14.83 14.68 14.21 13.93
Tangible Equity/ Tangible Assets 11.18 10.95 10.88 10.34 10.07
Tang Common Equity/ Tang Assets 11.18 10.95 10.88 10.34 10.07
Asset Quality (%)
NPAs/ Assets 1.21 1.33 1.22 1.42 1.49
NPA Excl Restructured/ Assets 0.91 1.04 0.90 0.88 0.92
NPAs & 90+ PD/ Assets 1.21 1.33 1.22 1.42 1.49
NPAs/ Loans & REO 1.56 1.69 1.63 1.88 2.25
Nonaccrual & 90+ & OREO/ Assets 0.91 1.04 0.90 0.88 0.92
NPAs & 90+ PD/ Loans & REO 1.56 1.70 1.63 1.88 2.25
NPA & Loans 90+/ Tangible Common Equity + LLR 10.48 11.79 10.87 13.35 14.24
NCOs/ Avg Loans 0.29 0.19 0.08 0.21 0.14
Loan Loss Reserves/ Gross Loans 1.08 1.03 1.06 0.97 1.19
Reserves/ NPAs 69.50 61.27 66.15 52.92 55.16
Loan Loss Provision/ NCO 110.78 70.34 192.03 35.46 101.62
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 236,544 251,052 241,671 246,237
Tier 1 Capital($000) NA 236,544 251,052 256,671 249,436
Tier 2 Capital($000) NA 18,333 19,342 18,282 20,562
Total Capital($000) NA 254,877 270,394 274,953 269,998
Total Risk-weighted Assets($000) NA 1,723,777 1,795,906 1,741,389 1,693,228
Tier 1 Common Capital (CET1) Ratio(%) 14.29 13.72 13.98 13.88 14.54
Tier 1 Ratio(%) 14.29 13.72 13.98 14.74 14.73
Total Capital Ratio(%) 15.42 14.79 15.06 15.79 15.95
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.15 10.95 11.06 11.07 10.62
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 15,633,388 16,007,263 16,998,226 16,994,208 18,098,141
Avg Diluted Shares(actual) 15,847,498 16,666,385 17,077,842 17,365,524 18,727,464
Basic Book Value per Share 21.34 20.79 20.63 19.95 18.95
Book Value per Share, As Reported 21.34 20.79 20.63 19.95 18.95
Basic Tangible Book Value per Share 15.12 14.69 14.64 13.89 13.11
Tangible Book Value per Share, As Reported 15.12 14.69 14.64 13.89 13.11
Common Dividends Declared per Share 0.46 1.26 0.68 0.60 0.54
EPS after Extra 1.27 2.18 1.26 1.45 1.31
EPS after Extra Growth(%) 19.80 73 (13.10) 10.70 0
Core EPS 1.11 2.23 1.69 1.51 1.31
Core EPS Growth(%) 2.50 31.70 12 15.60 (6.10)
Diluted EPS before Amortization 1.30 2.33 1.32 1.52 1.37
Pre-Provision Earnings per Share 1.24 2.28 1.72 1.49 1.28
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