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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 5,299,181 5,163,935 4,785,572 4,462,608 3,947,441
Total Net Loans 2,346,564 2,257,035 2,149,689 1,899,527 1,708,461
Total Deposits 4,339,853 4,406,964 3,916,967 3,653,218 3,075,060
Equity Attributable to Parent Company 328,960 300,439 260,297 240,041 214,544
Total Equity 328,960 300,439 260,297 240,041 214,544
Profitability (%)
Net Income($000) 28,967 36,213 22,301 24,534 23,021
Net Income Attributable to Parent($000) 28,967 36,213 22,301 24,534 23,021
ROAA 0.75 0.74 0.48 0.57 0.59
Core ROAA NA 0.74 0.66 0.57 0.58
ROAE 12.30 13.05 8.75 10.80 11.26
ROATCE 12.40 13.18 8.85 10.93 11.41
Core ROAE NA 12.98 12.06 10.78 11.07
Net Interest Margin 2.08 2.18 2.25 2.12 2.18
Reported: Net Interest Margin 2.08 2.18 2.25 2.12 2.18
Efficiency Ratio 59.37 59.34 57.82 62.78 64.51
Noninterest Inc/ Operating Rev 16.29 14.75 16.15 17.91 18.04
Balance Sheet Ratios (%)
Loans/ Deposits 54.74 51.86 55.55 52.66 56.31
Securities/ Assets 46.07 46.55 44.33 48.75 47.46
Total Equity/ Total Assets 6.21 5.82 5.44 5.38 5.44
Tangible Equity/ Tangible Assets 6.16 5.77 5.39 5.32 5.37
Tang Common Equity/ Tang Assets 6.16 5.77 5.39 5.32 5.37
Asset Quality (%)
NPAs/ Assets NA 0.12 0.09 0.10 0.14
NPA Excl Restructured/ Assets NA 0.07 0.04 0.02 0.06
NPAs & 90+ PD/ Assets NA 0.12 0.09 0.10 0.14
NPAs/ Loans & REO NA 0.27 0.20 0.24 0.32
Nonaccrual & 90+ & OREO/ Assets NA 0.07 0.04 0.02 0.06
NPAs & 90+ PD/ Loans & REO NA 0.27 0.20 0.24 0.32
NPA & Loans 90+/ Tangible Common Equity + LLR NA 1.87 1.56 1.76 2.38
NCOs/ Avg Loans 0.01 (0.04) 0 0 (0.04)
Loan Loss Reserves/ Gross Loans 1.22 1.25 1.21 1.27 1.33
Reserves/ NPAs NA 468.15 592.26 529.41 412.20
Loan Loss Provision/ NCO 479.45 NM NM NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 341,223 313,816 279,778 249,753 233,560
Tier 1 Capital($000) 376,206 348,816 314,778 280,659 268,560
Tier 2 Capital($000) NA 28,543 26,255 24,406 23,075
Total Capital($000) 405,167 377,359 341,033 305,065 291,635
Total Risk-weighted Assets($000) 2,867,422 2,771,129 2,613,116 2,398,796 2,325,258
Tier 1 Common Capital (CET1) Ratio(%) 11.90 11.32 10.71 10.41 10.04
Tier 1 Ratio(%) 13.12 12.59 12.05 11.70 11.55
Total Capital Ratio(%) 14.13 13.62 13.05 12.72 12.54
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 7.25 6.91 6.78 6.28 6.79
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
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 5,567,909
Basic Book Value per Share 59.08 53.96 46.75 43.11 38.53
Book Value per Share, As Reported 59.08 53.96 46.75 43.11 38.53
Basic Tangible Book Value per Share 58.59 53.47 46.26 42.62 38.04
Tangible Book Value per Share, As Reported 58.59 53.47 46.26 42.62 38.04
Common Dividends Declared per Share 0.36 0.48 0.48 0.48 0.48
EPS after Extra 5.20 6.50 4.01 4.41 4.13
EPS after Extra Growth(%) 10.20 62.10 (9.10) 6.80 5.10
Core EPS NA 6.47 5.52 4.40 4.06
Core EPS Growth(%) NA 17.10 25.40 8.40 4.70
Diluted EPS before Amortization 5.20 6.50 4.01 4.41 4.13
Pre-Provision Earnings per Share 4.29 5.52 4.09 2.98 2.70
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