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Investor Relations

Investor Relations
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 2,463,987 2,520,892 2,468,154 2,023,493 2,031,134
Total Net Loans 1,749,044 1,748,043 1,663,246 1,471,174 1,436,229
Total Deposits 2,102,040 2,174,840 2,148,670 1,772,700 1,728,226
Equity Attributable to Parent Company 327,667 316,407 297,025 230,563 214,473
Total Equity 327,667 316,407 297,025 230,563 214,473
Profitability (%)
Net Income($000) 15,714 32,622 15,976 23,134 18,441
Net Income Attributable to Parent($000) 15,714 32,622 15,976 23,134 18,441
ROAA 1.25 1.31 0.75 1.15 0.98
Core ROAA 1.30 1.31 0.98 1.16 0.99
ROAE 9.82 10.73 6.49 10.23 8.84
ROATCE 11.29 12.45 6.98 10.82 9.48
Core ROAE 10.22 10.75 8.49 10.26 8.97
Net Interest Margin 4.05 3.95 3.85 3.97 3.89
Reported: Net Interest Margin 4.03 3.90 3.80 3.91 3.83
Efficiency Ratio 56.92 55.74 59.36 56.03 59.30
Noninterest Inc/ Operating Rev 8.23 8.32 10.15 10.67 11.77
Balance Sheet Ratios (%)
Loans/ Deposits 83.96 81.10 78.14 83.86 83.97
Securities/ Assets 21.86 25.03 20.05 21.13 24.43
Total Equity/ Total Assets 13.30 12.55 12.03 11.39 10.56
Tangible Equity/ Tangible Assets 12.04 11.29 10.71 11 10.14
Tang Common Equity/ Tang Assets 12.04 11.29 10.71 11 10.14
Asset Quality (%)
NPAs/ Assets 0.50 0.60 0.69 0.93 1.06
NPA Excl Restructured/ Assets 0.02 0.03 0.02 0.03 0.13
NPAs & 90+ PD/ Assets 0.50 0.60 0.69 0.93 1.06
NPAs/ Loans & REO 0.70 0.85 1.01 1.26 1.48
Nonaccrual & 90+ & OREO/ Assets 0.02 0.03 0.02 0.03 0.13
NPAs & 90+ PD/ Loans & REO 0.70 0.85 1.01 1.26 1.48
NPA & Loans 90+/ Tangible Common Equity + LLR 3.99 5.07 6.13 7.90 9.76
NCOs/ Avg Loans 0 0 0.01 (0.16) 0.04
Loan Loss Reserves/ Gross Loans 0.90 0.90 0.94 1.04 1.03
Reserves/ NPAs 128.71 105.21 93.15 82.48 69.85
Loan Loss Provision/ NCO NM NM 285.71 NM 83.33
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 288,274 285,805 265,119 225,925 206,724
Tier 1 Capital($000) 290,948 288,445 270,710 231,111 211,521
Tier 2 Capital($000) 16,921 16,779 16,725 16,342 15,748
Total Capital($000) 307,869 305,224 287,435 247,453 227,269
Total Risk-weighted Assets($000) 2,021,557 2,044,993 1,927,820 1,727,985 1,699,950
Tier 1 Common Capital (CET1) Ratio(%) 14.26 13.98 13.75 13.07 12.16
Tier 1 Ratio(%) 14.39 14.10 14.04 13.37 12.44
Total Capital Ratio(%) 15.23 14.93 14.91 14.32 13.37
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.78 11.54 12.13 11.39 10.67
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 13,659,143 13,844,353 13,843,084 12,254,628 12,137,086
Avg Diluted Shares(actual) 13,871,000 14,029,000 12,545,000 12,229,700 12,130,460
Basic Book Value per Share 23.99 22.85 21.46 18.81 17.67
Book Value per Share, As Reported 23.99 22.85 21.46 18.82 17.67
Basic Tangible Book Value per Share 21.41 20.28 18.81 18.08 16.88
Tangible Book Value per Share, As Reported NA NA NA NA NA
Common Dividends Declared per Share 0.38 0.64 0.56 0.51 0.45
EPS after Extra 1.13 2.33 1.27 1.89 1.52
EPS after Extra Growth(%) 11.30 83.50 (32.80) 24.30 (7.60)
Core EPS 1.18 2.33 1.66 1.90 1.54
Core EPS Growth(%) 8 40.50 (12.40) 23 (10.50)
Diluted EPS before Amortization 1.16 2.40 1.31 1.93 1.57
Pre-Provision Earnings per Share 1.23 2.40 1.64 1.82 1.56
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.