Financial Highlights

Financial Highlights
2017 FQ2 YTD
6/30/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
2013 FY
12/31/2013
Balance Sheet ($000)
Total Assets 2,611,734 2,541,437 1,909,478 1,504,325 1,449,726
Total Net Loans 1,897,883 1,835,313 1,387,181 1,029,384 977,928
Total Deposits 2,105,301 2,148,103 1,597,093 1,209,093 1,090,981
Equity Attributable to Parent Company 284,130 273,755 218,491 184,161 179,184
Total Equity 284,130 273,755 218,491 184,161 179,184
Profitability (%)
Net Income($000) 13,677 19,776 18,751 16,042 13,767
Net Income Attributable to Parent($000) 13,677 19,776 18,751 16,042 13,767
ROAA 1.06 0.92 1.05 1.09 0.96
Core ROAA 1.15 1.07 1.11 1.11 1.02
ROAE 9.82 8.23 8.99 8.83 7.61
ROATCE 13.45 10.84 11.34 10.19 8.79
Core ROAE 10.65 9.59 9.50 9.05 8.11
Net Interest Margin 4.13 4.25 4.28 4.22 4.31
Reported: Net Interest Margin 4.20 4.29 4.32 4.27 4.36
Efficiency Ratio 50.68 54.57 55.88 57.63 58.54
Noninterest Inc/ Operating Rev 8.75 7.70 7.89 8.05 9.45
Balance Sheet Ratios (%)
Loans/ Deposits 91.26 86.48 87.94 86.43 91.10
Securities/ Assets 18.39 18.76 19.48 24.08 24.70
Total Equity/ Total Assets 10.88 10.77 11.44 12.24 12.36
Tangible Equity/ Tangible Assets 8.43 8.23 9.39 10.85 10.91
Tang Common Equity/ Tang Assets 8.43 8.23 9.39 10.85 10.91
Asset Quality (%)
NPAs/ Assets 1.02 1.20 1.08 1.35 1.74
NPA Excl Restructured/ Assets 0.71 0.85 0.76 1.02 1.45
NPAs & 90+ PD/ Assets 1.02 1.20 1.08 1.35 1.74
NPAs/ Loans & REO 1.38 1.63 1.46 1.92 2.50
Nonaccrual & 90+ & OREO/ Assets 0.71 0.85 0.76 1.02 1.45
NPAs & 90+ PD/ Loans & REO 1.38 1.63 1.46 1.92 2.50
NPA & Loans 90+/ Tangible Common Equity + LLR 11.18 13.52 10.70 11.51 14.71
NCOs/ Avg Loans 0.25 0.02 0 0.03 0.07
Loan Loss Reserves/ Gross Loans 1.22 1.21 1.23 1.50 1.60
Reserves/ NPAs 88.22 73.56 83.94 77.07 63.10
Loan Loss Provision/ NCO 141.93 NM NM 0 36.87
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 215,966 208,873 175,600 156,864 155,470
Tier 1 Capital($000) 229,202 221,346 183,600 164,864 163,470
Tier 2 Capital($000) 58,042 57,098 17,661 NA NA
Total Capital($000) 287,244 278,444 201,261 179,109 177,209
Total Risk-weighted Assets($000) 2,230,901 2,194,961 1,600,210 1,138,422 1,097,348
Tier 1 Common Capital (CET1) Ratio(%) 9.68 9.52 10.97 13.78 14.17
Tier 1 Ratio(%) 10.27 10.08 11.47 14.48 14.90
Total Capital Ratio(%) 12.88 12.69 12.58 15.73 16.15
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.04 9.01 9.93 11.33 11.49
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 22,772,376 22,611,535 19,604,182 17,717,676 17,891,687
Avg Diluted Shares(actual) 22,854,963 20,789,995 19,392,079 18,036,188 18,059,923
Basic Book Value per Share 12.48 12.11 11.15 10.39 10.01
As-reported Book Value per Share 12.48 12.11 11.15 10.39 10.01
Basic Tangible Book Value per Share 9.41 8.99 8.94 9.07 8.69
Reported: Tangible Book Value 9.41 8.99 8.94 9.07 8.69
Common Dividends Declared per Share 0.22 0.44 0.42 0.69 0.73
EPS after Extra 0.60 0.95 0.97 0.89 0.76
EPS after Extra Growth(%) 46.30 (2.10) 9 17.10 10.10
Core EPS 0.65 1.11 1.02 0.91 0.81
Core EPS Growth(%) 37.40 8.10 12.30 12.70 15
Diluted EPS before Amortization 0.62 0.98 0.99 0.90 0.77
Pre-Provision Earnings per Share 0.71 1.23 1.07 0.91 0.81
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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