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Select Period: Financial Charting
 2017 FQ42016 FQ4 2017 FQ3 
Period Ended12/31/201712/31/2016Y-Y Ch (%)9/30/2017 Q-Q Ch (%)
Balance Sheet ($000)   
Total Assets3,270,7263,267,1920.113,255,7711.84
Total Net LoansNA2,442,116NA2,427,272NA
Total Deposits2,545,5472,571,970 (1.03) 2,605,390 (9.19)
Equity Attributable to Parent Company429,740463,638 (7.31) 484,261 (45.03)
Total Equity429,740463,638 (7.31) 484,261 (45.03)
Profitability (%)   
Net Income ($000) (55,822)5,173NM7,158NM
Net Income Attributable to Parent ($000) (55,822)5,173NM7,158NM
ROAA(6.93)0.62 (755)  bp 0.89 (782)  bp
Core ROAANA0.74NA  bp 0.90NA  bp
ROAE(45.73)4.44 (5,017)  bp 5.91 (5,164)  bp
ROATCE(48.68)4.97 (5,365)  bp 6.38 (5,506)  bp
Core ROAENA5.24NA  bp 5.96NA  bp
Net Interest Margin3.563.2927  bp 3.542  bp
Reported: Net Interest Margin3.533.2726  bp 3.512  bp
Efficiency Ratio86.7260.092,663  bp 62.242,448  bp
Noninterest Inc / Operating Rev12.2211.4874  bp 11.2498  bp
Balance Sheet Ratios (%)   
Loans / Deposits98.4795.80267  bp 93.04543  bp
Securities / AssetsNA10.46NA  bp 10.07NA  bp
Total Equity / Total Assets13.1414.19 (105)  bp 14.87 (173)  bp
Tangible Equity / Tangible Assets12.3313.38 (105)  bp 14.07 (174)  bp
Tang Common Equity / Tang Assets12.3313.38 (105)  bp 14.07 (174)  bp
Asset Quality (%)   
NPAs / AssetsNA2.00NA  bp 1.55NA  bp
NPA Excl Restructured / AssetsNA1.15NA  bp 0.79NA  bp
NPAs & 90+ PD / AssetsNA2.00NA  bp 1.55NA  bp
NPAs / Loans & REONA2.65NA  bp 2.06NA  bp
Nonaccrual & 90+ & OREO / AssetsNA1.15NA  bp 0.79NA  bp
NPAs & 90+ PD / Loans & REONA2.65NA  bp 2.06NA  bp
NPA & Loans 90+ / Tangible Common Equity + LLRNA14.36NA  bp 10.70NA  bp
NCOs / Avg LoansNA2.02NA  bp 0.13NA  bp
Loan Loss Reserves / Gross LoansNA0.89NA  bp 0.67NA  bp
Reserves / NPAsNA33.59NA  bp 32.32NA  bp
Loan Loss Provision / NCONA5.03NA  bp 0NA  bp
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) NA343,519NA363,579NA
Tier 1 Capital ($000) NA343,518NA366,784NA
Tier 2 Capital ($000) NA30,564NA24,859NA
Total Capital ($000) NA374,082NA391,643NA
Total Risk-weighted Assets ($000) NA2,849,714NA2,843,595NA
Tier 1 Common Capital (CET1) Ratio (%) NA12.05NA  bp 12.79NA  bp
Tier 1 Ratio (%) NA12.05NA  bp 12.90NA  bp
Total Capital Ratio (%) NA13.13NA  bp 13.77NA  bp
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) NA10.74NA  bp 11.93NA  bp
Basel III Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) NA23,123,518NA23,215,318NA
Avg Diluted Shares (actual) NA23,196,438NA23,519,351NA
Basic Book Value per ShareNA20.05NA20.86NA
As-reported Book Value per ShareNA20.05NA20.86NA
Basic Tangible Book Value per ShareNA18.72NA19.55NA
Reported: Tangible Book ValueNA18.72NA19.55NA
EPS after ExtraNA0.22NA0.30NA
EPS after Extra Growth (%) NA(95.7)NA  bp (86.8)NA  bp
Core EPSNA0.26NA0.30NA
Core EPS Growth (%) NA(94.9)NA  bp (88.6)NA  bp
Diluted EPS before AmortizationNA0.24NA0.31NA
Pre-Provision Earnings per ShareNA0.28NA0.29NA
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   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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