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Financial Highlights

Financial Highlights
2018 FQ4
12/31/2018
2017 FQ4
12/31/2017
Y-Y Ch (%)
2018 FQ3
9/30/2018
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 10,630,067 10,327,852 2.93 10,260,822 14.39
Total Net Loans 7,646,797 6,677,143 14.52 7,204,893 24.53
Total Deposits 7,916,644 7,292,903 8.55 7,401,742 27.83
Equity Attributable to Parent Company 945,534 1,012,308 (6.60) 946,678 (0.48)
Total Equity 945,534 1,012,308 (6.60) 946,678 (0.48)
Profitability (%)
Net Income($000) 11,038 11,302 (2.34) 11,096 (2.09)
Net Income Attributable to Parent($000) 11,038 11,302 (2.34) 11,096 (2.09)
ROAA 0.43 0.44 (1) bp 0.44 (1) bp
Core ROAA 0.48 0.30 18 bp 0.45 3 bp
ROAE 4.60 4.46 14 bp 4.43 17 bp
ROATCE NA 3.76 NA 2.40 NA
Core ROAE 5.15 2.97 218 bp 4.56 59 bp
Net Interest Margin 2.91 3.04 (13) bp 2.95 (4) bp
Reported: Net Interest Margin 2.88 3.01 (13) bp 2.93 (5) bp
Efficiency Ratio 65.60 85.91 (2,031) bp 78.37 (1,277) bp
Noninterest Inc/ Operating Rev 5.23 3.95 128 bp 6.33 (110) bp
Balance Sheet Ratios (%)
Loans/ Deposits 97.27 91.31 596 bp 97.99 (72) bp
Securities/ Assets 19.38 25.67 (629) bp 20.77 (139) bp
Total Equity/ Total Assets 8.89 9.80 (91) bp 9.23 (34) bp
Tangible Equity/ Tangible Assets NA 9.39 NA 8.83 NA
Tang Common Equity/ Tang Assets NA 6.78 NA 6.57 NA
Asset Quality (%)
NPAs/ Assets 0.26 0.26 0 bp 0.31 (5) bp
NPA Excl Restructured/ Assets 0.21 0.21 0 bp 0.25 (4) bp
NPAs & 90+ PD/ Assets 0.27 0.26 1 bp 0.31 (4) bp
NPAs/ Loans & REO 0.36 0.40 (4) bp 0.43 (7) bp
Nonaccrual & 90+ & OREO/ Assets 0.21 0.21 0 bp 0.25 (4) bp
NPAs & 90+ PD/ Loans & REO 0.37 0.40 (3) bp 0.43 (6) bp
NPA & Loans 90+/ Tangible Common Equity + LLR NA 3.60 NA 4.32 NA
NCOs/ Avg Loans 0.12 0.05 7 bp 0.02 10 bp
Loan Loss Reserves/ Gross Loans 0.81 0.73 8 bp 0.80 1 bp
Reserves/ NPAs 222.10 183.91 3,819 bp 183.22 3,888 bp
Loan Loss Provision/ NCO 296.61 638.69 (34,208) bp 460.78 (16,417) bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 682,539 NA 677,059 NA
Tier 1 Capital($000) NA 949,151 NA 908,187 NA
Tier 2 Capital($000) NA 53,049 NA 62,030 NA
Total Capital($000) NA 1,002,200 NA 970,217 NA
Total Risk-weighted Assets($000) NA 6,881,236 NA 6,906,873 NA
Tier 1 Common Capital (CET1) Ratio(%) 9.53 9.92 (39) bp 9.80 (27) bp
Tier 1 Ratio(%) 12.77 13.79 (102) bp 13.15 (38) bp
Total Capital Ratio(%) 13.71 14.56 (85) bp 14.05 (34) bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.95 9.39 (44) bp 8.99 (4) bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 50,649,339 50,591,452 0.11 50,657,928 (0.07)
Avg Diluted Shares(actual) 50,812,874 50,943,165 (0.26) 50,899,464 (0.68)
Basic Book Value per Share 14.10 14.69 (4.02) 14.13 (0.85)
Book Value per Share, As Reported 14.10 14.69 (4.02) 14.13 (0.85)
Basic Tangible Book Value per Share NA 13.77 NA 13.25 NA
Tangible Book Value per Share, As Reported 13.25 13.77 (3.78) 13.25 0
Common Dividends Declared per Share 0.13 0.13 0 0.13 0
EPS after Extra 0.13 0.12 8.33 0.07 342.86
EPS after Extra Growth(%) 8.30 (77.80) 8,611 bp (69.60) 7,790 bp
Core EPS 0.16 0.04 300 0.08 400
Core EPS Growth(%) 247.30 (87.70) 33,495 bp (54.20) 30,149 bp
Diluted EPS before Amortization 0.14 0.14 0 0.08 300
Pre-Provision Earnings per Share 0.30 0.02 1,400 0.09 933.33

   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.


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