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Financial Highlights
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 7,339,940 7,356,874 7,114,159 6,599,520 6,228,541
Total Net Loans 5,713,614 5,701,377 5,421,751 4,933,069 4,597,198
Total Deposits 5,664,252 5,670,599 5,198,221 4,711,172 4,437,071
Equity Attributable to Parent Company 724,098 712,518 693,328 655,866 625,521
Total Equity 724,098 712,518 693,328 655,866 625,521
Profitability (%)
Net Income($000) 12,657 59,906 54,618 49,661 49,640
Net Income Attributable to Parent($000) 12,657 59,906 54,618 49,661 49,640
ROAA 0.69 0.84 0.80 0.78 0.87
Core ROAA 0.66 0.86 0.84 0.80 0.91
ROAE 7.13 8.57 8.09 7.77 8.08
ROATCE 8.85 10.52 10.01 9.81 10.35
Core ROAE 6.80 8.76 8.52 8.04 8.46
Net Interest Margin 2.81 2.95 3.03 2.99 3.22
Reported: Net Interest Margin 2.81 2.92 3.01 2.96 3.19
Efficiency Ratio 69.85 66.11 62.05 63 61.42
Noninterest Inc/ Operating Rev 14.24 15.76 15.65 14.36 16.08
Balance Sheet Ratios (%)
Loans/ Deposits 101.50 100.06 103.01 104.29 104.14
Securities/ Assets 12.08 13.80 15.67 16.83 18.06
Total Equity/ Total Assets 9.87 9.69 9.75 9.94 10.04
Tangible Equity/ Tangible Assets 8.34 8.15 8.20 8.25 8.23
Tang Common Equity/ Tang Assets 8.34 8.15 8.20 8.25 8.23
Asset Quality (%)
NPAs/ Assets 0.68 0.64 0.68 0.79 0.92
NPA Excl Restructured/ Assets 0.42 0.44 0.48 0.54 0.62
NPAs & 90+ PD/ Assets 0.74 0.69 0.69 0.80 0.92
NPAs/ Loans & REO 0.87 0.82 0.88 1.04 1.23
Nonaccrual & 90+ & OREO/ Assets 0.47 0.48 0.49 0.56 0.62
NPAs & 90+ PD/ Loans & REO 0.94 0.88 0.90 1.06 1.24
NPA & Loans 90+/ Tangible Common Equity + LLR 8.28 7.92 7.90 9.13 10.68
NCOs/ Avg Loans 0.11 0.08 0.10 0.10 0.10
Loan Loss Reserves/ Gross Loans 0.90 0.90 0.86 0.86 0.73
Reserves/ NPAs 104.30 109.23 97.99 82.30 59.44
Loan Loss Provision/ NCO 124.73 203.66 184.42 296.88 331.17
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 610,202 610,462 577,770 549,428 518,732
Tier 1 Capital($000) 610,202 610,462 577,770 549,428 518,732
Tier 2 Capital($000) 129,369 128,860 124,024 119,388 110,183
Total Capital($000) 739,571 739,322 701,794 668,816 628,915
Total Risk-weighted Assets($000) 5,908,792 5,869,567 5,549,797 5,129,382 5,020,875
Tier 1 Common Capital (CET1) Ratio(%) 10.33 10.40 10.41 10.71 10.33
Tier 1 Ratio(%) 10.33 10.40 10.41 10.71 10.33
Total Capital Ratio(%) 12.52 12.60 12.65 13.04 12.53
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.43 8.43 8.44 8.63 8.87
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 51,100,720 51,104,783 51,044,752 50,786,671 49,941,428
Avg Diluted Shares(actual) 50,907,092 51,012,239 50,922,652 50,089,030 49,385,566
Basic Book Value per Share 14.17 13.94 13.58 12.91 12.53
Book Value per Share, As Reported 14.17 13.94 13.58 12.91 12.53
Basic Tangible Book Value per Share 11.78 11.54 11.24 10.53 10.07
Tangible Book Value per Share, As Reported 11.78 11.54 11.24 10.53 10.07
Common Dividends Declared per Share 0.12 0.48 0.48 0.48 0.46
EPS after Extra 0.25 1.17 1.07 0.99 1
EPS after Extra Growth(%) (19.40) 9.30 8.10 (1) 525
Core EPS 0.24 1.20 1.13 1.02 1.05
Core EPS Growth(%) (23) 6.20 10.10 (2.20) 36.70
Diluted EPS before Amortization 0.26 1.20 1.10 1.02 1.04
Pre-Provision Earnings per Share 0.24 1.13 0.98 0.88 0.93
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.