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Financial Highlights

Financial Highlights
2018 FQ3 YTD
9/30/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
Balance Sheet ($000)
Total Assets 4,870,423 4,785,572 4,462,608 3,947,441 3,624,036
Total Net Loans 2,232,794 2,149,689 1,899,527 1,708,461 1,309,048
Total Deposits 3,964,407 3,916,967 3,653,218 3,075,060 2,737,591
Equity Attributable to Parent Company 286,877 260,297 240,041 214,544 192,500
Total Equity 286,877 260,297 240,041 214,544 192,500
Profitability (%)
Net Income($000) 26,288 22,301 24,534 23,021 21,860
Net Income Attributable to Parent($000) 26,288 22,301 24,534 23,021 21,860
ROAA 0.73 0.48 0.57 0.59 0.61
Core ROAA 0.72 0.66 0.57 0.58 0.60
ROAE 12.85 8.75 10.80 11.26 11.57
ROATCE 12.97 8.85 10.93 11.41 11.73
Core ROAE 12.75 12.06 10.78 11.07 11.41
Net Interest Margin 2.19 2.25 2.12 2.18 2.22
Reported: Net Interest Margin 2.19 2.25 2.12 2.18 2.22
Efficiency Ratio 60.18 57.82 62.78 64.51 62.35
Noninterest Inc/ Operating Rev 14.66 16.15 17.91 18.04 18.28
Balance Sheet Ratios (%)
Loans/ Deposits 57.04 55.55 52.66 56.31 48.63
Securities/ Assets 46.56 44.33 48.75 47.46 51.91
Total Equity/ Total Assets 5.89 5.44 5.38 5.44 5.31
Tangible Equity/ Tangible Assets 5.84 5.39 5.32 5.37 5.24
Tang Common Equity/ Tang Assets 5.84 5.39 5.32 5.37 5.24
Asset Quality (%)
NPAs/ Assets 0.13 0.09 0.10 0.14 0.21
NPA Excl Restructured/ Assets 0.08 0.04 0.02 0.06 0.11
NPAs & 90+ PD/ Assets 0.14 0.09 0.10 0.14 0.21
NPAs/ Loans & REO 0.28 0.20 0.24 0.32 0.56
Nonaccrual & 90+ & OREO/ Assets 0.09 0.04 0.02 0.06 0.11
NPAs & 90+ PD/ Loans & REO 0.30 0.20 0.24 0.32 0.56
NPA & Loans 90+/ Tangible Common Equity + LLR 2.17 1.56 1.76 2.38 3.51
NCOs/ Avg Loans (0.08) 0 0 (0.04) 0.05
Loan Loss Reserves/ Gross Loans 1.26 1.21 1.27 1.33 1.68
Reserves/ NPAs 451.16 592.26 529.41 412.20 299.89
Loan Loss Provision/ NCO NM NM NM NM 304.61
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 304,511 279,778 249,753 233,560 211,798
Tier 1 Capital($000) 339,500 314,778 280,659 268,560 246,798
Tier 2 Capital($000) NA 26,255 24,406 23,075 NA
Total Capital($000) 367,928 341,033 305,065 291,635 269,044
Total Risk-weighted Assets($000) 2,733,491 2,613,116 2,398,796 2,325,258 1,779,573
Tier 1 Common Capital (CET1) Ratio(%) 11.14 10.71 10.41 10.04 11.90
Tier 1 Ratio(%) 12.42 12.05 11.70 11.55 13.87
Total Capital Ratio(%) 13.46 13.05 12.72 12.54 15.12
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 7.03 6.78 6.28 6.79 6.91
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 5,567,909 5,567,909 5,567,909 5,567,909 5,567,909
Avg Diluted Shares(actual) 5,567,909 5,567,909 5,567,909 5,567,909 5,562,209
Basic Book Value per Share 51.52 46.75 43.11 38.53 34.57
Book Value per Share, As Reported 51.52 46.75 43.11 38.53 34.57
Basic Tangible Book Value per Share 51.04 46.26 42.62 38.04 34.09
Tangible Book Value per Share, As Reported 51.04 46.26 42.62 38.04 34.09
Common Dividends Declared per Share 0.36 0.48 0.48 0.48 0.48
EPS after Extra 4.72 4.01 4.41 4.13 3.93
EPS after Extra Growth(%) 18 (9.10) 6.80 5.10 8.90
Core EPS 4.68 5.52 4.40 4.06 3.88
Core EPS Growth(%) 17.30 25.40 8.40 4.70 19
Diluted EPS before Amortization 4.72 4.01 4.41 4.13 3.93
Pre-Provision Earnings per Share 4 4.09 2.98 2.70 2.84
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