Financial Highlights
2019 FQ1 YTD
3/31/2019
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 4,662,306 4,617,858 4,260,547 3,878,633 3,364,659
Total Net Loans 3,862,694 3,894,545 3,669,171 3,281,524 2,971,144
Total Deposits 3,919,206 3,895,340 3,698,354 3,411,837 2,935,470
Equity Attributable to Parent Company 481,472 469,013 403,678 324,210 275,676
Total Equity 481,472 469,013 403,678 324,210 275,676
Profitability (%)
Net Income($000) 11,425 44,170 36,497 26,477 19,972
Net Income Attributable to Parent($000) 11,425 44,170 36,497 26,477 19,972
ROAA 0.98 1.02 0.89 0.72 0.64
Core ROAA 1 1 0.84 0.72 0.68
ROAE 9.65 10.13 10.12 8.92 7.71
ROATCE 10.52 11.04 10.43 9.04 7.80
Core ROAE 9.76 10 9.50 8.92 8.20
Net Interest Margin 2.70 2.75 2.80 2.74 2.80
Reported: Net Interest Margin 2.70 2.75 2.80 2.74 2.80
Efficiency Ratio 60.25 60.62 58.58 59.44 61.06
Noninterest Inc/ Operating Rev 28 26.56 23.09 22.99 21.33
Balance Sheet Ratios (%)
Loans/ Deposits 99.44 100.84 100.16 97.08 99.24
Securities/ Assets 8.74 8.69 8 8.23 6.23
Total Equity/ Total Assets 10.33 10.16 9.47 8.36 8.19
Tangible Equity/ Tangible Assets 9.70 9.52 8.97 8.28 8.10
Tang Common Equity/ Tang Assets 9.70 9.52 8.97 8.28 8.10
Asset Quality (%)
NPAs/ Assets 0.63 0.65 0.59 0.76 0.70
NPA Excl Restructured/ Assets 0.53 0.56 0.37 0.30 0.22
NPAs & 90+ PD/ Assets 0.63 0.65 0.59 0.76 0.70
NPAs/ Loans & REO 0.75 0.76 0.68 0.89 0.79
Nonaccrual & 90+ & OREO/ Assets 0.53 0.56 0.37 0.30 0.22
NPAs & 90+ PD/ Loans & REO 0.75 0.76 0.68 0.89 0.79
NPA & Loans 90+/ Tangible Common Equity + LLR 5.98 6.32 6.04 8.37 7.89
NCOs/ Avg Loans (0.01) 0.04 0.05 0.04 0.03
Loan Loss Reserves/ Gross Loans 0.99 0.98 0.98 0.97 0.86
Reserves/ NPAs 132.53 128.27 144.98 108.88 109.83
Loan Loss Provision/ NCO NM 238.90 361.56 NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 450,242 438,238 382,868 323,042 273,738
Tier 1 Capital($000) 450,244 438,240 382,870 323,045 273,738
Tier 2 Capital($000) 121,902 121,697 119,464 80,972 25,855
Total Capital($000) 572,146 559,937 502,334 404,017 299,593
Total Risk-weighted Assets($000) 3,693,832 3,725,591 3,385,824 3,048,882 2,627,615
Tier 1 Common Capital (CET1) Ratio(%) 12.19 11.76 11.31 10.60 10.42
Tier 1 Ratio(%) 12.19 11.76 11.31 10.60 10.42
Total Capital Ratio(%) 15.49 15.03 14.84 13.25 11.40
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.76 9.82 9.04 8.35 8.10
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 19,445,363 19,337,662 18,619,634 17,257,995 16,068,119
Avg Diluted Shares(actual) 19,658,006 19,148,645 17,943,685 16,514,998 15,434,996
Basic Book Value per Share 24.76 24.25 21.68 18.79 17.16
Book Value per Share, As Reported 24.76 24.25 21.68 18.79 17.61
Basic Tangible Book Value per Share 23.11 22.58 20.40 18.60 16.95
Tangible Book Value per Share, As Reported 23.11 22.58 20.40 18.60 16.95
Common Dividends Declared per Share 0.05 0.20 0.20 0.20 0.20
EPS after Extra 0.58 2.31 2.03 1.60 1.29
EPS after Extra Growth(%) 1.80 13.80 26.90 24 5.70
Core EPS 0.59 2.28 1.90 1.60 1.37
Core EPS Growth(%) 1 19.70 19 16.60 13.70
Diluted EPS before Amortization 0.59 2.37 2.05 1.61 1.30
Pre-Provision Earnings per Share 0.64 2.45 2.13 1.97 1.73
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