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Investor Relations

Financial Highlights

Financial Highlights
2018 FQ3 YTD
9/30/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
Balance Sheet ($000)
Total Assets 4,076,188 3,769,859 3,221,598 2,598,846 2,054,154
Total Net Loans 3,240,853 2,908,513 2,515,389 2,033,722 1,579,075
Total Deposits 3,518,750 3,262,690 2,763,724 2,286,559 1,776,259
Equity Attributable to Parent Company 399,969 355,034 298,065 264,145 235,026
Total Equity 399,969 355,034 298,065 264,145 235,026
Profitability (%)
Net Income($000) 52,339 43,394 36,369 29,743 24,592
Net Income Attributable to Parent($000) 52,339 43,394 36,369 29,743 24,592
ROAA 1.84 1.24 1.30 1.35 1.31
Core ROAA 1.86 1.43 1.30 1.38 1.31
ROAE 18.26 13.79 12.77 11.81 11.02
ROATCE 18.02 13.70 12.65 11.60 10.88
Core ROAE 18.53 15.92 12.72 12.09 11.02
Net Interest Margin 4.05 3.80 3.84 3.92 3.89
Reported: Net Interest Margin 4.06 3.80 3.74 3.92 3.89
Efficiency Ratio 33.59 35.18 38.75 39.74 41.99
Noninterest Inc/ Operating Rev 4.20 4.29 4.70 4.44 4.85
Balance Sheet Ratios (%)
Loans/ Deposits 93.01 90.05 91.97 89.93 90.19
Securities/ Assets 4.76 5.52 6.81 7.02 8.01
Total Equity/ Total Assets 9.81 9.42 9.25 10.16 11.44
Tangible Equity/ Tangible Assets 9.79 9.39 9.22 10.12 11.44
Tang Common Equity/ Tang Assets 9.79 9.39 9.22 10.12 11.44
Asset Quality (%)
NPAs/ Assets 1.34 0.28 0.37 0.23 0.84
NPA Excl Restructured/ Assets 1.34 0.28 0.37 0.23 0.82
NPAs & 90+ PD/ Assets 1.34 0.28 0.37 0.23 0.87
NPAs/ Loans & REO 1.66 0.36 0.46 0.30 1.08
Nonaccrual & 90+ & OREO/ Assets 1.34 0.28 0.37 0.23 0.85
NPAs & 90+ PD/ Loans & REO 1.66 0.36 0.46 0.30 1.10
NPA & Loans 90+/ Tangible Common Equity + LLR 12.65 2.76 3.64 2.14 6.89
NCOs/ Avg Loans 0.11 0.08 0.12 0.12 (0.01)
Loan Loss Reserves/ Gross Loans 0.98 1.02 1.04 1.10 1.43
Reserves/ NPAs 58.64 282.33 225.15 371.50 132.61
Loan Loss Provision/ NCO 180.67 267.38 248.06 85.07 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 396,960 349,746 294,004 258,135 232,954
Tier 1 Capital($000) 396,960 349,746 294,004 258,135 232,954
Tier 2 Capital($000) 133,099 130,796 127,290 22,776 NA
Total Capital($000) 530,059 480,542 421,294 280,911 255,849
Total Risk-weighted Assets($000) 3,881,881 3,473,466 2,990,421 2,340,168 1,831,381
Tier 1 Common Capital (CET1) Ratio(%) 10.23 10.07 9.83 11.03 12.72
Tier 1 Ratio(%) 10.23 10.07 9.83 11.03 12.72
Total Capital Ratio(%) 13.65 13.83 14.09 12 13.97
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.07 9.52 9.43 10.46 11.73
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 15,325,144 15,122,313 14,232,907 13,884,942 13,503,458
Avg Diluted Shares(actual) 15,057,164 14,492,671 13,987,257 13,677,892 13,620,027
Basic Book Value per Share 26.10 23.48 20.94 19.02 17.40
Book Value per Share, As Reported NA 23.48 20.94 19.02 17.40
Basic Tangible Book Value per Share 26.04 23.41 20.86 18.94 17.40
Tangible Book Value per Share, As Reported NA NA NA NA 17.40
Common Dividends Declared per Share 0.72 0.80 0.63 0.51 0.20
EPS after Extra 3.42 2.96 2.56 2.14 1.78
EPS after Extra Growth(%) 39.60 15.60 19.60 20.20 25.40
Core EPS 3.47 3.42 2.55 2.19 1.78
Core EPS Growth(%) 34 34.30 16.30 23.10 17.50
Diluted EPS before Amortization 3.42 2.97 2.57 2.14 1.78
Pre-Provision Earnings per Share 4.02 3.86 3.02 2.49 2.08
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