Financial Highlights

Financial Highlights
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
2013 FY
12/31/2013
2012 FY
12/31/2012
Balance Sheet ($000)
Total Assets 2,541,437 1,909,478 1,504,325 1,449,726 1,373,487
Total Net Loans 1,835,313 1,387,181 1,029,384 977,928 854,071
Total Deposits 2,148,103 1,597,093 1,209,093 1,090,981 1,046,154
Equity Attributable to Parent Company 273,755 218,491 184,161 179,184 183,381
Total Equity 273,755 218,491 184,161 179,184 183,381
Profitability (%)
Net Income($000) 19,776 18,751 16,042 13,767 12,653
Net Income Attributable to Parent($000) 19,776 18,751 16,042 13,767 12,653
ROAA 0.92 1.05 1.09 0.96 0.96
Core ROAA 1.05 1.11 1.11 1.02 0.98
ROAE 8.23 8.99 8.83 7.61 6.97
ROATCE NA 11.34 10.19 8.79 8.02
Core ROAE 9.41 9.50 9.05 8.11 7.12
Net Interest Margin 4.25 4.30 4.26 4.31 4.17
Reported: Net Interest Margin 4.29 4.34 4.30 4.36 4.23
Efficiency Ratio 55.31 55.88 57.63 58.54 58.57
Noninterest Inc/ Operating Rev 7.69 7.89 8.05 9.45 10.29
Balance Sheet Ratios (%)
Loans/ Deposits 86.48 87.94 86.43 91.10 83.20
Securities/ Assets 18.75 19.48 24.08 24.70 29.17
Total Equity/ Total Assets 10.77 11.44 12.24 12.36 13.35
Tangible Equity/ Tangible Assets 8.23 9.39 10.85 10.91 11.94
Tang Common Equity/ Tang Assets 8.23 9.39 10.85 10.91 11.94
Asset Quality (%)
NPAs/ Assets NA 1.08 1.35 1.74 2.01
NPA Excl Restructured/ Assets 0.85 0.76 1.02 1.45 1.92
NPAs & 90+ PD/ Assets NA 1.08 1.35 1.74 2.01
NPAs/ Loans & REO NA 1.46 1.92 2.50 3.10
Nonaccrual & 90+ & OREO/ Assets 0.85 0.76 1.02 1.45 1.92
NPAs & 90+ PD/ Loans & REO NA 1.46 1.92 2.50 3.10
NPA & Loans 90+/ Tangible Common Equity + LLR NA 10.70 11.51 14.71 15.52
NCOs/ Avg Loans 0.02 0 0.03 0.07 0.06
Loan Loss Reserves/ Gross Loans 1.21 1.23 1.50 1.60 1.88
Reserves/ NPAs NA 83.94 77.07 63.10 59.26
Loan Loss Provision/ NCO NM NM 0 36.87 383.06
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 208,873 175,600 156,864 155,470 155,519
Tier 1 Capital($000) 221,346 183,600 164,864 163,470 163,519
Tier 2 Capital($000) 57,098 17,661 NA NA NA
Total Capital($000) 278,444 201,261 179,109 177,209 175,671
Total Risk-weighted Assets($000) 2,194,044 1,600,210 1,138,422 1,097,348 967,643
Tier 1 Common Capital (CET1) Ratio(%) 9.52 10.97 13.78 14.17 16.07
Tier 1 Ratio(%) 10.08 11.47 14.48 14.90 16.90
Total Capital Ratio(%) 12.69 12.58 15.73 16.15 18.15
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.01 9.93 11.33 11.49 12.33
Supplementary Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 22,611,535 19,604,182 17,717,676 17,891,687 17,835,088
Avg Diluted Shares(actual) 20,789,995 19,392,079 18,036,188 18,059,923 18,238,160
Basic Book Value per Share 12.11 11.15 10.39 10.01 10.28
As-reported Book Value per Share 12.11 11.15 10.39 10.01 10.28
Basic Tangible Book Value per Share 8.99 8.94 9.07 8.69 9.05
Reported: Tangible Book Value 8.99 8.94 9.07 8.69 9.05
Common Dividends Declared per Share 0.44 0.42 0.69 0.73 0.31
EPS after Extra 0.95 0.97 0.89 0.76 0.69
EPS after Extra Growth(%) (2.10) 9 17.10 10.10 137.90
Core EPS 1.09 1.02 0.91 0.81 0.70
Core EPS Growth(%) 6 12.30 12.70 15 163.80
Diluted EPS before Amortization NA 0.99 0.90 0.77 0.70
Pre-Provision Earnings per Share 1.23 1.07 0.91 0.81 0.74
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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