Financial Highlights

Financial Highlights
2016 FQ3 YTD
9/30/2016
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 2,539,060 1,909,478 1,504,325 1,449,726 1,373,487
Total Net Loans 1,786,205 1,387,181 1,029,384 977,928 854,071
Total Deposits 2,162,633 1,597,093 1,209,093 1,090,981 1,046,154
Equity Attributable to Parent Company 276,471 218,491 184,161 179,184 183,381
Total Equity 276,471 218,491 184,161 179,184 183,381
Profitability (%)
Net Income($000) 12,916 18,751 16,042 13,767 12,653
Net Income Attributable to Parent($000) 12,916 18,751 16,042 13,767 12,653
ROAA 0.85 1.05 1.09 0.96 0.96
Core ROAA 0.99 1.11 1.11 1.02 0.98
ROAE 7.53 8.99 8.83 7.61 6.97
ROATCE NA 11.34 10.19 8.79 8.02
Core ROAE 8.78 9.50 9.05 8.11 7.12
Net Interest Margin 4.20 4.30 4.26 4.31 4.17
Reported: Net Interest Margin 4.25 4.34 4.30 4.36 4.23
Efficiency Ratio 56.68 55.88 57.63 58.54 58.57
Noninterest Inc/ Operating Rev 7.89 7.89 8.05 9.45 10.29
Balance Sheet Ratios (%)
Loans/ Deposits 83.54 87.94 86.43 91.10 83.20
Securities/ Assets 19.20 19.48 24.08 24.70 29.17
Total Equity/ Total Assets 10.89 11.44 12.24 12.36 13.35
Tangible Equity/ Tangible Assets 8.34 9.39 10.85 10.91 11.94
Tang Common Equity/ Tang Assets 8.34 9.39 10.85 10.91 11.94
Asset Quality (%)
NPAs/ Assets 1.17 1.08 1.35 1.74 2.01
NPA Excl Restructured/ Assets 0.90 0.76 1.02 1.45 1.92
NPAs & 90+ PD/ Assets 1.17 1.08 1.35 1.74 2.01
NPAs/ Loans & REO 1.63 1.46 1.92 2.50 3.10
Nonaccrual & 90+ & OREO/ Assets 0.90 0.76 1.02 1.45 1.92
NPAs & 90+ PD/ Loans & REO 1.63 1.46 1.92 2.50 3.10
NPA & Loans 90+/ Tangible Common Equity + LLR 13.12 10.70 11.51 14.71 15.52
NCOs/ Avg Loans 0.03 0 0.03 0.07 0.06
Loan Loss Reserves/ Gross Loans 1.14 1.23 1.50 1.60 1.88
Reserves/ NPAs 69.15 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) 203,359 175,600 156,864 155,470 155,519
Tier 1 Capital($000) 215,471 183,600 164,864 163,470 163,519
Tier 2 Capital($000) 55,151 17,661 NA NA NA
Total Capital($000) 270,622 201,261 179,109 177,209 175,671
Total Risk-weighted Assets($000) 2,155,929 1,600,210 1,138,422 1,097,348 967,643
Tier 1 Common Capital (CET1) Ratio(%) 9.43 10.97 13.78 14.17 16.07
Tier 1 Ratio(%) 9.99 11.47 14.48 14.90 16.90
Total Capital Ratio(%) 12.55 12.58 15.73 16.15 18.15
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.33 9.93 11.33 11.49 12.33
Supplementary Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 22,603,421 19,604,182 17,717,676 17,891,687 17,835,088
Avg Diluted Shares(actual) 20,095,522 19,392,079 18,036,188 18,059,923 18,238,160
Basic Book Value per Share 12.23 11.15 10.39 10.01 10.28
As-reported Book Value per Share 12.23 11.15 10.39 10.01 10.28
Basic Tangible Book Value per Share 9.10 8.94 9.07 8.69 9.05
Reported: Tangible Book Value 9.10 8.94 9.07 8.69 9.05
Common Dividends Declared per Share 0.33 0.42 0.69 0.73 0.31
EPS after Extra 0.64 0.97 0.89 0.76 0.69
EPS after Extra Growth(%) (5.90) 9 17.10 10.10 137.90
Core EPS 0.75 1.02 0.91 0.81 0.70
Core EPS Growth(%) 0.70 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 0.86 1.07 0.91 0.81 0.74
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