Financial Highlights

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 2,207,129 2,179,070 2,136,081 2,050,045 1,744,324
Total Net Loans 1,736,822 1,726,193 1,575,848 1,386,400 1,160,875
Total Deposits 1,753,365 1,799,293 1,834,962 1,785,209 1,458,021
Equity Attributable to Parent Company 179,271 162,460 148,103 139,216 182,282
Total Equity 179,271 162,460 148,103 139,216 182,282
Profitability (%)
Net Income($000) 14,784 25,866 15,001 14,036 17,010
Net Income Attributable to Parent($000) 14,784 25,866 15,001 14,036 17,010
ROAA 1.35 1.21 0.75 0.72 1.11
Core ROAA 1.48 1.38 1.23 1.19 1.36
ROAE 14.37 13.81 8.49 8.35 9.55
ROATCE 20.94 21.83 15.59 17.06 14.56
Core ROAE 15.74 15.73 13.96 13.66 11.68
Net Interest Margin 3.71 3.86 3.76 3.64 3.81
Reported: Net Interest Margin 3.74 3.86 3.76 3.63 3.81
Efficiency Ratio 72.21 73.84 73.80 76.96 76.32
Noninterest Inc/ Operating Rev 59.41 57.71 60.36 62.55 63.79
Balance Sheet Ratios (%)
Loans/ Deposits 97.72 96.36 85.80 76.57 77.29
Securities/ Assets 11.61 12.13 13.17 13.89 11.32
Total Equity/ Total Assets 8.12 7.46 6.93 6.79 10.45
Tangible Equity/ Tangible Assets 6.09 5.29 4.50 3.98 9.34
Tang Common Equity/ Tang Assets 6.09 5.29 4.50 3.98 8.18
Asset Quality (%)
NPAs/ Assets 0.27 0.37 0.31 0.49 0.62
NPA Excl Restructured/ Assets 0.23 0.33 0.30 0.47 0.60
NPAs & 90+ PD/ Assets 0.27 0.37 0.31 0.50 0.71
NPAs/ Loans & REO 0.34 0.46 0.41 0.72 0.92
Nonaccrual & 90+ & OREO/ Assets 0.23 0.33 0.30 0.47 0.69
NPAs & 90+ PD/ Loans & REO 0.34 0.46 0.41 0.73 1.06
NPA & Loans 90+/ Tangible Common Equity + LLR 3.96 5.93 5.98 10.72 7.95
NCOs/ Avg Loans 0.56 0.18 0.16 0.15 0.57
Loan Loss Reserves/ Gross Loans 1.21 1.27 1.04 1.11 1.25
Reserves/ NPAs 352.63 277.52 251.12 154.47 136.40
Loan Loss Provision/ NCO 81.23 287 140.71 143.46 63.88
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 165,840 151,350 133,149 124,093 150,873
Tier 1 Capital($000) 173,978 159,378 141,037 131,822 170,472
Tier 2 Capital($000) 70,840 71,737 66,064 65,053 64,688
Total Capital($000) 244,818 231,115 207,101 196,875 235,160
Total Risk-weighted Assets($000) 1,863,371 1,795,374 1,701,159 1,602,460 1,382,169
Tier 1 Common Capital (CET1) Ratio(%) 8.90 8.43 7.83 7.74 10.92
Tier 1 Ratio(%) 9.34 8.87 8.29 8.23 12.33
Total Capital Ratio(%) 13.14 12.86 12.17 12.29 17.01
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.08 7.51 7.07 6.85 10.85
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 13,816,050 13,775,327 13,699,066 13,534,375 13,433,801
Avg Diluted Shares(actual) 14,089,000 14,063,000 14,007,000 14,000,332 13,947,136
Basic Book Value per Share 12.98 11.79 10.81 10.29 12.08
Book Value per Share, As Reported 15.47 14.30 13.11 12.47 12.12
Basic Tangible Book Value per Share 9.52 8.18 6.84 5.85 10.50
Tangible Book Value per Share, As Reported NA NA NA NA NA
Common Dividends Declared per Share 0.28 0.53 0.48 0.44 0.42
EPS after Extra 1.05 1.84 1.07 1 1.21
EPS after Extra Growth(%) 18 72 7 (17.40) (18.20)
Core EPS 1.15 2.10 1.76 1.64 1.48
Core EPS Growth(%) 12.90 19.10 7.50 10.40 (11.10)
Diluted EPS before Amortization 1.20 2.17 1.47 1.50 1.52
Pre-Provision Earnings per Share 1.31 2.34 1.76 1.43 1.36
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