Financial Information

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Select Period: Financial Charting
 2017 FQ32016 FQ3 2017 FQ2 
Period Ended9/30/20179/30/2016Y-Y Ch (%)6/30/2017 Q-Q Ch (%)
Balance Sheet ($000)   
Total Assets3,255,7713,325,467 (2.10) 3,176,4619.99
Total Net Loans2,427,2722,437,302 (0.41) 2,353,56712.53
Total Deposits2,605,3902,586,6080.732,639,189 (5.12)
Equity Attributable to Parent Company484,261464,9564.15478,7814.58
Total Equity484,261464,9564.15478,7814.58
Profitability (%)   
Net Income ($000) 7,15847,864 (85.05) 6,26856.80
Net Income Attributable to Parent ($000) 7,15847,864 (85.05) 6,26856.80
ROAA0.896.71 (582)  bp 0.7910  bp
Core ROAA0.907.84 (694)  bp 0.94 (4)  bp
ROAE5.9151.60 (4,569)  bp 5.2665  bp
ROATCE6.3853.85 (4,747)  bp 5.7068  bp
Core ROAE5.9660.32 (5,436)  bp 6.26 (30)  bp
Net Interest Margin3.543.58 (4)  bp 3.513  bp
Reported: Net Interest Margin3.513.56 (5)  bp 3.52 (1)  bp
Efficiency Ratio62.2472.24 (1,000)  bp 61.23101  bp
Noninterest Inc / Operating Rev11.2411.0915  bp 13.39 (215)  bp
Balance Sheet Ratios (%)   
Loans / Deposits93.0495.53 (249)  bp 89.82322  bp
Securities / Assets10.0710.60 (53)  bp 10.51 (44)  bp
Total Equity / Total Assets14.8713.9889  bp 15.07 (20)  bp
Tangible Equity / Tangible Assets14.0713.1988  bp 14.25 (18)  bp
Tang Common Equity / Tang Assets14.0713.1988  bp 14.25 (18)  bp
Asset Quality (%)   
NPAs / Assets1.552.32 (77)  bp 1.70 (15)  bp
NPA Excl Restructured / Assets0.791.50 (71)  bp 0.90 (11)  bp
NPAs & 90+ PD / Assets1.552.32 (77)  bp 1.70 (15)  bp
NPAs / Loans & REO2.063.12 (106)  bp 2.27 (21)  bp
Nonaccrual & 90+ & OREO / Assets0.791.50 (71)  bp 0.90 (11)  bp
NPAs & 90+ PD / Loans & REO2.063.12 (106)  bp 2.27 (21)  bp
NPA & Loans 90+ / Tangible Common Equity + LLR10.7016.48 (578)  bp 11.59 (89)  bp
NCOs / Avg Loans0.13(0.03)16  bp 0.21 (8)  bp
Loan Loss Reserves / Gross Loans0.671.37 (70)  bp 0.72 (5)  bp
Reserves / NPAs32.3243.69 (1,137)  bp 31.5874  bp
Loan Loss Provision / NCO0NMNM00  bp
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) 363,579345,6735.18354,7239.99
Tier 1 Capital ($000) 366,784345,6736.11357,21410.72
Tier 2 Capital ($000) 24,85942,139 (41.01) 25,629 (12.02)
Total Capital ($000) 391,643387,8120.99382,8439.19
Total Risk-weighted Assets ($000) 2,843,5952,848,0232,843,5952,743,1412,843,595
Tier 1 Common Capital (CET1) Ratio (%) 12.7912.1465  bp 12.93 (14)  bp
Tier 1 Ratio (%) 12.9012.1476  bp 13.02 (12)  bp
Total Capital Ratio (%) 13.7713.6215  bp 13.96 (19)  bp
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) 11.9312.50 (57)  bp 11.7221  bp
Basel III Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 23,215,31823,079,5170.5923,180,9020.59
Avg Diluted Shares (actual) 23,519,35121,120,85011.3623,492,7980.45
Basic Book Value per Share20.8620.153.5220.654.07
As-reported Book Value per Share20.8620.153.5220.654.07
Basic Tangible Book Value per Share19.5518.843.7719.344.34
Reported: Tangible Book Value19.5518.843.7719.344.34
EPS after Extra0.302.27 (86.78) 0.2744.44
EPS after Extra Growth (%) (86.8)NMNM80.00 (16,678)  bp
Core EPS0.302.65 (88.68) 0.32 (25)
Core EPS Growth (%) (88.6)NMNM119.50 (20,807)  bp
Diluted EPS before Amortization0.312.27 (86.34) 0.2842.86
Pre-Provision Earnings per Share0.290.1952.630.30 (13.33)
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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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