Financial Highlights
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Financial Highlights
2015 FY
12/31/2015
2016 FY
12/31/2016
2017 FY
12/31/2017
2018 FY
12/31/2018
2019 FQ3 YTD
9/30/2019
Balance Sheet ($000)
Total Assets 4,234,521 4,701,346 5,210,485 5,502,219 5,527,982
Total Net Loans 3,143,255 3,821,656 4,279,809 4,577,956 4,525,723
Total Deposits 3,509,976 3,809,737 4,348,654 4,747,235 4,690,141
Equity Attributable to Parent Company 493,918 531,025 562,477 552,568 574,527
Total Equity 493,918 531,025 562,477 552,568 574,527
Profitability (%)
Net Income($000) 53,823 56,489 54,660 57,868 29,704
Net Income Attributable to Parent($000) 53,823 56,489 54,660 57,868 29,704
ROAA 1.32 1.29 1.10 1.08 0.72
Core ROAA 1.11 1.23 1.14 1.10 0.69
ROAE 11.30 10.89 9.97 10.07 7.01
ROATCE 11.36 10.90 10.19 10.28 7.16
Core ROAE 9.49 10.34 10.30 10.28 6.64
Net Interest Margin 3.90 3.95 3.82 3.57 3.38
Reported: Net Interest Margin 3.90 3.95 3.82 3.57 3.39
Efficiency Ratio 62.17 56.50 54.41 56.57 60.43
Noninterest Inc/ Operating Rev 17.23 14.90 14.45 12.08 12.19
Balance Sheet Ratios (%)
Loans/ Deposits 90.69 100.92 98.98 96.91 97.43
Securities/ Assets 17.23 11.36 11.44 10.76 11.56
Total Equity/ Total Assets 11.66 11.30 10.80 10.04 10.39
Tangible Equity/ Tangible Assets 11.63 11.05 10.58 9.84 10.20
Tang Common Equity/ Tang Assets 11.63 11.05 10.58 9.84 10.20
Asset Quality (%)
NPAs/ Assets 0.90 0.58 0.42 0.37 1.20
NPA Excl Restructured/ Assets 0.65 0.34 0.28 0.26 1.15
NPAs & 90+ PD/ Assets 0.90 0.58 0.42 0.37 1.21
NPAs/ Loans & REO 1.19 0.70 0.51 0.45 1.45
Nonaccrual & 90+ & OREO/ Assets 0.65 0.34 0.28 0.26 1.16
NPAs & 90+ PD/ Loans & REO 1.19 0.70 0.51 0.45 1.46
NPA & Loans 90+/ Tangible Common Equity + LLR 7.09 4.92 3.78 3.59 10.92
NCOs/ Avg Loans (0.07) 0.18 0.05 0.07 0.02
Loan Loss Reserves/ Gross Loans 1.35 0.84 0.72 0.69 1.11
Reserves/ NPAs 113.20 119.61 141.54 155.69 76.36
Loan Loss Provision/ NCO NM (70.36) 37.48 130.43 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 456,941 509,239 537,950 531,177 547,454
Tier 1 Capital($000) 456,941 520,477 553,970 550,839 567,397
Tier 2 Capital($000) 42,135 33,612 130,302 131,559 150,544
Total Capital($000) 499,076 554,089 684,272 682,398 717,941
Total Risk-weighted Assets($000) 3,346,996 3,998,760 4,414,633 4,693,111 4,763,376
Tier 1 Common Capital (CET1) Ratio(%) 13.65 12.73 12.19 11.32 11.49
Tier 1 Ratio(%) 13.65 13.02 12.55 11.74 11.91
Total Capital Ratio(%) 14.91 13.86 15.50 14.54 15.07
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.31 11.53 10.79 10.18 10.43
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 31,974,359 32,330,747 32,431,627 30,928,437 31,173,881
Avg Diluted Shares(actual) 31,876,820 32,048,704 32,249,918 32,051,333 30,769,160
Basic Book Value per Share 15.45 16.42 17.34 17.87 18.43
Book Value per Share, As Reported 15.45 16.42 17.34 17.87 18.43
Basic Tangible Book Value per Share 15.39 16.03 16.96 17.47 18.05
Tangible Book Value per Share, As Reported 15.39 16.03 16.96 17.47 18.05
Common Dividends Declared per Share 0.47 0.66 0.80 0.96 0.72
EPS after Extra 1.68 1.75 1.69 1.79 0.96
Core EPS 1.41 1.66 1.75 1.83 0.91
Core EPS Growth(%) 6.20 17.70 5.10 4.70 (37.80)
Diluted EPS before Amortization 1.69 1.76 1.70 1.80 0.97
Pre-Provision Earnings per Share 1.35 1.62 1.86 2.18 1.50
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