Financial Highlights
2018 FQ1 YTD
3/31/2018
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 3,721,651 3,698,890 3,366,427 2,368,525 2,124,778
Total Net Loans 2,824,115 2,784,138 2,495,888 1,791,536 1,518,944
Total Deposits 3,031,714 2,941,627 2,699,084 1,801,845 1,685,324
Equity Attributable to Parent Company 410,432 404,899 352,378 221,639 206,939
Total Equity 410,432 404,899 352,378 221,639 206,939
Profitability (%)
Net Income($000) 13,557 38,624 24,727 22,454 13,512
Net Income Attributable to Parent($000) 13,557 38,624 24,727 22,454 13,512
ROAA 1.46 1.12 0.93 1.01 0.68
Core ROAA 1.51 1.28 1.12 1.07 0.76
ROAE 13.27 10.35 9.35 10.42 6.72
ROATCE 17.35 13.40 10.98 11.34 7.78
Core ROAE 13.72 11.81 11.33 11.01 7.58
Net Interest Margin 3.72 3.88 3.68 3.74 3.73
Reported: Net Interest Margin 3.84 3.88 3.69 3.75 3.74
Efficiency Ratio 53.94 52.20 57.96 60.89 72.16
Noninterest Inc/ Operating Rev 17.25 17.40 17.62 18.13 19.50
Balance Sheet Ratios (%)
Loans/ Deposits 93.86 95.38 93.18 100.70 91.46
Securities/ Assets 16.08 16.63 17.57 17.96 21.19
Total Equity/ Total Assets 11.03 10.95 10.47 9.36 9.74
Tangible Equity/ Tangible Assets 8.93 8.99 8.52 9.16 9.43
Tang Common Equity/ Tang Assets 8.93 8.99 8.52 9.16 9.43
Asset Quality (%)
NPAs/ Assets NA 0.63 0.91 1.11 1.34
NPA Excl Restructured/ Assets NA 0.14 0.16 0.61 0.67
NPAs & 90+ PD/ Assets NA 0.63 0.91 1.11 1.34
NPAs/ Loans & REO NA 0.83 1.21 1.45 1.85
Nonaccrual & 90+ & OREO/ Assets NA 0.14 0.16 0.61 0.67
NPAs & 90+ PD/ Loans & REO NA 0.83 1.21 1.45 1.85
NPA & Loans 90+/ Tangible Common Equity + LLR NA 6.64 10.03 10.96 12.84
NCOs/ Avg Loans 0.01 0.04 (0.01) (0.03) (0.10)
Loan Loss Reserves/ Gross Loans 0.82 0.83 0.92 1.27 1.46
Reserves/ NPAs NA 100.37 76.30 87.65 78.79
Loan Loss Provision/ NCO 213.64 100 NM NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 335,153 296,146 224,305 203,745
Tier 1 Capital($000) NA 360,153 321,146 248,283 228,745
Tier 2 Capital($000) NA 63,430 63,406 23,121 NA
Total Capital($000) NA 423,583 384,552 271,404 251,366
Total Risk-weighted Assets($000) NA 3,170,991 2,832,128 2,049,712 1,815,560
Tier 1 Common Capital (CET1) Ratio(%) 10.54 10.57 10.46 10.94 11.22
Tier 1 Ratio(%) 11.32 11.36 11.34 12.11 12.60
Total Capital Ratio(%) 13.31 13.36 13.58 13.24 13.85
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.95 10.21 9.81 10.68 11.10
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 29,297,002 29,222,264 28,334,004 21,704,852 21,628,873
Avg Diluted Shares(actual) 29,036,820 28,343,687 23,559,947 21,272,336 21,086,543
Basic Book Value per Share 14.01 13.86 12.44 10.21 9.57
As-reported Book Value per Share 14.01 13.86 12.44 10.21 9.57
Basic Tangible Book Value per Share 11.09 11.13 9.91 9.97 9.24
Reported: Tangible Book Value 11.09 11.13 9.91 9.97 9.24
EPS after Extra 0.47 1.36 1.05 1.06 0.64
Core EPS 0.49 1.55 1.27 1.12 0.72
Diluted EPS before Amortization 0.50 1.46 1.12 1.15 0.76
Pre-Provision Earnings per Share 0.38 1.49 1.20 1.04 0.61
Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.

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