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Financial Highlights

Financial Highlights

Financial Highlights
2019 FQ2 YTD
6/30/2019
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 4,975,519 4,875,254 4,682,976 4,290,025 3,766,286
Total Net Loans 3,953,983 3,868,585 3,774,684 3,433,124 3,040,613
Total Deposits 4,221,299 4,044,065 4,008,655 3,577,912 3,183,421
Equity Attributable to Parent Company 565,274 521,615 468,578 426,978 392,812
Total Equity 565,363 521,704 468,667 427,067 392,901
Profitability (%)
Net Income($000) 43,395 80,411 57,330 52,084 46,367
Net Income Attributable to Parent($000) 43,382 80,398 57,317 52,071 46,354
ROAA 1.76 1.69 1.29 1.29 1.29
Core ROAA 1.73 1.68 1.38 1.29 1.29
ROAE 16.03 16.51 12.72 12.52 12.26
ROATCE 16.12 16.63 12.90 12.68 12.44
Core ROAE 15.70 16.36 13.67 12.55 12.27
Net Interest Margin 3.38 3.43 3.32 3.18 3.19
Reported: Net Interest Margin 3.42 3.43 3.33 3.18 3.19
Efficiency Ratio 44.65 44.56 45.29 47.46 48.98
Noninterest Inc/ Operating Rev 22.45 20.89 20.93 21.80 22.89
Balance Sheet Ratios (%)
Loans/ Deposits 94.72 96.80 95.26 97.01 96.78
Securities/ Assets 12.74 12.50 11.92 12.16 13
Total Equity/ Total Assets 11.36 10.70 10.01 9.95 10.43
Tangible Equity/ Tangible Assets 11.27 10.61 9.91 9.85 10.31
Tang Common Equity/ Tang Assets 11.27 10.61 9.91 9.85 10.31
Asset Quality (%)
NPAs/ Assets 0.43 0.32 0.26 0.40 0.52
NPA Excl Restructured/ Assets 0.31 0.16 0.20 0.16 0.35
NPAs & 90+ PD/ Assets 0.43 0.32 0.26 0.40 0.52
NPAs/ Loans & REO 0.53 0.40 0.32 0.49 0.63
Nonaccrual & 90+ & OREO/ Assets 0.31 0.16 0.20 0.16 0.35
NPAs & 90+ PD/ Loans & REO 0.53 0.40 0.32 0.49 0.63
NPA & Loans 90+/ Tangible Common Equity + LLR 3.50 2.76 2.43 3.69 4.53
NCOs/ Avg Loans (0.01) 0.13 (0.01) 0.03 0.09
Loan Loss Reserves/ Gross Loans 1.26 1.24 1.23 1.26 1.41
Reserves/ NPAs 236.26 310.66 380.31 254.95 223.21
Loan Loss Provision/ NCO NM 126.28 NM 110.36 0
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 550,803 522,836 464,265 424,382 385,700
Tier 1 Capital($000) 580,803 552,836 494,265 454,382 415,700
Tier 2 Capital($000) 50,654 48,543 47,210 43,807 41,756
Total Capital($000) 631,457 601,379 541,475 498,189 457,456
Total Risk-weighted Assets($000) 4,357,509 4,233,620 4,084,781 3,765,535 3,330,743
Tier 1 Common Capital (CET1) Ratio(%) 12.64 12.35 11.37 11.27 11.58
Tier 1 Ratio(%) 13.33 13.06 12.10 12.07 12.48
Total Capital Ratio(%) 14.49 14.20 13.26 13.23 13.73
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.72 11.44 10.76 10.86 11.10
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 25,442,300 25,128,773 25,025,933 24,937,865 24,819,066
Avg Diluted Shares(actual) 25,721,079 25,727,831 25,663,381 25,460,727 25,245,569
Basic Book Value per Share 22.22 20.76 18.72 17.12 15.83
Book Value per Share, As Reported 22.06 20.62 18.60 17.01 15.74
Basic Tangible Book Value per Share 22.02 20.56 18.53 16.92 15.63
Tangible Book Value per Share, As Reported 21.92 20.47 18.45 16.89 15.61
Common Dividends Declared per Share 0.56 1 0.85 0.73 0.63
EPS after Extra 1.69 3.13 2.23 2.05 1.84
EPS after Extra Growth(%) 12.70 40.40 8.80 11.40 5.70
Core EPS 1.66 3.11 2.39 2.05 1.84
Core EPS Growth(%) 11.20 30.10 16.40 11.70 5.30
Diluted EPS before Amortization 1.69 3.13 2.23 2.05 1.84
Pre-Provision Earnings per Share 1.67 3.23 2.34 2.01 1.78
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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