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Investor Relations

Investor Relations
Financial Highlights
Financial Highlights
2019 FQ3 YTD
9/30/2019
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 2,592,071 2,520,892 2,468,154 2,023,493 2,031,134
Total Net Loans 1,782,450 1,748,043 1,663,246 1,471,174 1,436,229
Total Deposits 2,224,524 2,174,840 2,148,670 1,772,700 1,728,226
Equity Attributable to Parent Company 333,065 316,407 297,025 230,563 214,473
Total Equity 333,065 316,407 297,025 230,563 214,473
Profitability (%)
Net Income($000) 25,162 32,622 15,976 23,134 18,441
Net Income Attributable to Parent($000) 25,162 32,622 15,976 23,134 18,441
ROAA 1.33 1.31 0.75 1.15 0.98
Core ROAA 1.37 1.31 0.98 1.16 0.99
ROAE 10.37 10.73 6.49 10.23 8.84
ROATCE 11.89 12.45 6.98 10.82 9.48
Core ROAE 10.70 10.75 8.49 10.26 8.97
Net Interest Margin 4.08 3.95 3.85 3.97 3.89
Reported: Net Interest Margin 4.03 3.90 3.80 3.91 3.83
Efficiency Ratio 55.08 55.74 59.36 56.03 59.30
Noninterest Inc/ Operating Rev 8.88 8.32 10.15 10.67 11.77
Balance Sheet Ratios (%)
Loans/ Deposits 80.86 81.10 78.14 83.86 83.97
Securities/ Assets 19.78 25.03 20.05 21.13 24.43
Total Equity/ Total Assets 12.85 12.55 12.03 11.39 10.56
Tangible Equity/ Tangible Assets 11.65 11.29 10.71 11 10.14
Tang Common Equity/ Tang Assets 11.65 11.29 10.71 11 10.14
Asset Quality (%)
NPAs/ Assets 0.48 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 0.48 0.60 0.69 0.93 1.06
NPAs/ Loans & REO 0.69 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 0.69 0.85 1.01 1.26 1.48
NPA & Loans 90+/ Tangible Common Equity + LLR 3.93 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 131.49 105.21 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) 292,783 285,805 265,119 225,925 206,724
Tier 1 Capital($000) 295,474 288,445 270,710 231,111 211,521
Tier 2 Capital($000) 17,327 16,779 16,725 16,342 15,748
Total Capital($000) 312,801 305,224 287,435 247,453 227,269
Total Risk-weighted Assets($000) 2,043,646 2,044,993 1,927,820 1,727,985 1,699,950
Tier 1 Common Capital (CET1) Ratio(%) 14.33 13.98 13.75 13.07 12.16
Tier 1 Ratio(%) 14.46 14.10 14.04 13.37 12.44
Total Capital Ratio(%) 15.31 14.93 14.91 14.32 13.37
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.92 11.54 12.13 11.39 10.67
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 13,608,525 13,844,353 13,843,084 12,254,628 12,137,086
Avg Diluted Shares(actual) 13,825,000 14,029,000 12,545,000 12,229,700 12,130,460
Basic Book Value per Share 24.47 22.85 21.46 18.81 17.67
Book Value per Share, As Reported 24.47 22.85 21.46 18.82 17.67
Basic Tangible Book Value per Share 21.90 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 0.59 0.64 0.56 0.51 0.45
EPS after Extra 1.82 2.33 1.27 1.89 1.52
EPS after Extra Growth(%) 11 83.50 (32.80) 24.30 (7.60)
Core EPS 1.88 2.33 1.66 1.90 1.54
Core EPS Growth(%) 8.10 40.50 (12.40) 23 (10.50)
Diluted EPS before Amortization 1.87 2.40 1.31 1.93 1.57
Pre-Provision Earnings per Share 1.96 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.