Financial Highlights
 2017 FQ42016 FQ4 2017 FQ3 
Period Ended12/31/201712/31/2016Y-Y Ch (%)9/30/2017 Q-Q Ch (%)
Balance Sheet ($000)   
Total Assets4,529,8504,381,1153.394,469,2305.43
Total Net Loans3,374,5263,237,8014.223,324,2546.05
Total Deposits3,242,7073,063,7525.843,157,08110.85
Equity Attributable to Parent Company413,284390,8045.75414,228 (0.91)
Total Equity413,284390,8045.75414,228 (0.91)
Profitability (%)   
Net Income ($000) 7,98212,162 (34.37) 12,962 (153.68)
Net Income Attributable to Parent ($000) 7,98212,162 (34.37) 12,962 (153.68)
ROAA0.711.14 (43)  bp 1.18 (47)  bp
Core ROAANA1.16NA  bp 1.20NA  bp
ROAE7.6512.26 (461)  bp 12.56 (491)  bp
ROATCE9.4315.32 (589)  bp 15.44 (601)  bp
Core ROAENA12.53NA  bp 12.77NA  bp
Net Interest Margin2.972.916  bp 2.952  bp
Reported: Net Interest Margin2.952.896  bp 2.932  bp
Efficiency Ratio52.1252.84 (72)  bp 55.20 (308)  bp
Noninterest Inc / Operating Rev34.4237.85 (343)  bp 36.63 (221)  bp
Balance Sheet Ratios (%)   
Loans / Deposits104.05105.57 (152)  bp 105.26 (121)  bp
Securities / Assets18.4118.2318  bp 17.22119  bp
Total Equity / Total Assets9.128.9220  bp 9.27 (15)  bp
Tangible Equity / Tangible Assets7.637.3528  bp 7.76 (13)  bp
Tang Common Equity / Tang Assets7.637.3528  bp 7.76 (13)  bp
Asset Quality (%)   
NPAs / AssetsNA0.80NA  bp 0.59NA  bp
NPA Excl Restructured / Assets0.340.53 (19)  bp 0.44 (10)  bp
NPAs & 90+ PD / AssetsNA0.80NA  bp 0.59NA  bp
NPAs / Loans & REONA1.07NA  bp 0.78NA  bp
Nonaccrual & 90+ & OREO / Assets0.340.53 (19)  bp 0.44 (10)  bp
NPAs & 90+ PD / Loans & REONA1.07NA  bp 0.78NA  bp
NPA & Loans 90+ / Tangible Common Equity + LLRNA10.18NA  bp 7.11NA  bp
NCOs / Avg Loans0.120.31 (19)  bp 0.084  bp
Loan Loss Reserves / Gross Loans0.780.80 (2)  bp 0.81 (3)  bp
Reserves / NPAsNA74.53NA  bp 104.29NA  bp
Loan Loss Provision / NCO19.61113.95 (9,434)  bp 198.78 (17,917)  bp
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) NA342,656NA361,958NA
Tier 1 Capital ($000) NA364,655NA383,956NA
Tier 2 Capital ($000) NA26,212NA27,575NA
Total Capital ($000) NA390,867NA411,531NA
Total Risk-weighted Assets ($000) NA3,188,668NA3,283,961NA
Tier 1 Common Capital (CET1) Ratio (%) 10.9910.7524  bp 11.02 (3)  bp
Tier 1 Ratio (%) 11.6511.4421  bp 11.69 (4)  bp
Total Capital Ratio (%) 12.4512.2619  bp 12.53 (8)  bp
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) 8.798.6712  bp 8.83 (4)  bp
Basel III Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 17,227,00017,170,8200.3317,214,1600.30
Avg Diluted Shares (actual) 17,349,00017,245,0000.6017,318,0000.72
Basic Book Value per Share23.9922.765.4024.06 (1.16)
As-reported Book Value per Share23.9922.765.4024.06 (1.16)
Basic Tangible Book Value per Share19.7518.447.1019.81 (1.21)
Reported: Tangible Book Value19.7518.447.1019.81 (1.21)
Common Dividends Declared per Share0.390.375.410.390
EPS after Extra0.460.70 (34.29) 0.75 (154.67)
EPS after Extra Growth (%) (34.3)12.90 (4,719)  bp 4.20 (3,846)  bp
Core EPSNA0.72NA0.76NA
Core EPS Growth (%) NA12.30NA  bp 3.70NA  bp
Diluted EPS before Amortization0.470.72 (34.72) 0.76 (152.63)
Pre-Provision Earnings per Share0.830.795.060.7825.64
   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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