Financial Highlights
Financial Highlights
2019 FQ1
3/31/2019
2018 FQ1
3/31/2018
Y-Y Ch (%)
2018 FQ4
12/31/2018
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 2,852,041 2,690,707 6 2,811,357 5.79
Total Net Loans 2,293,225 2,140,735 7.12 2,268,314 4.39
Total Deposits 2,289,803 2,066,978 10.78 2,213,220 13.84
Equity Attributable to Parent Company 314,709 296,195 6.25 309,334 6.95
Total Equity 314,709 296,195 6.25 309,334 6.95
Profitability (%)
Net Income($000) 8,656 8,556 1.17 9,552 (37.52)
Net Income Attributable to Parent($000) 8,656 8,556 1.17 9,552 (37.52)
ROAA 1.22 1.28 (6) bp 1.36 (14) bp
Core ROAA 1.30 1.28 2 bp 1.57 (27) bp
ROAE 10.99 11.44 (45) bp 12.15 (116) bp
ROATCE 12.03 12.51 (48) bp 13.24 (121) bp
Core ROAE 11.63 11.41 22 bp 14.08 (245) bp
Net Interest Margin 3.34 3.44 (10) bp 3.55 (21) bp
Reported: Net Interest Margin 3.38 3.47 (9) bp 3.58 (20) bp
Efficiency Ratio 59.92 60.37 (45) bp 53.62 630 bp
Noninterest Inc/ Operating Rev 21.09 20.87 22 bp 21.53 (44) bp
Balance Sheet Ratios (%)
Loans/ Deposits 97.65 100.78 (313) bp 99.28 (163) bp
Securities/ Assets 11.59 13.30 (171) bp 12.05 (46) bp
Total Equity/ Total Assets 11.03 11.01 2 bp 11 3 bp
Tangible Equity/ Tangible Assets 10.28 10.20 8 bp 10.24 4 bp
Tang Common Equity/ Tang Assets 10.28 10.20 8 bp 10.24 4 bp
Asset Quality (%)
NPAs/ Assets NA 1.27 NA 0.80 NA
NPA Excl Restructured/ Assets 0.34 0.65 (31) bp 0.27 7 bp
NPAs & 90+ PD/ Assets NA 1.27 NA 0.80 NA
NPAs/ Loans & REO NA 1.58 NA 0.98 NA
Nonaccrual & 90+ & OREO/ Assets 0.34 0.65 (31) bp 0.27 7 bp
NPAs & 90+ PD/ Loans & REO NA 1.58 NA 0.98 NA
NPA & Loans 90+/ Tangible Common Equity + LLR NA 11.67 NA 7.37 NA
NCOs/ Avg Loans 0.01 0 1 bp 0.19 (18) bp
Loan Loss Reserves/ Gross Loans 0.88 1 (12) bp 0.89 (1) bp
Reserves/ NPAs NA 63.05 NA 90.75 NA
Loan Loss Provision/ NCO 105.17 NM NM 16.76 8,841 bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 293,677 NA 306,746 NA
Tier 1 Capital($000) NA 293,677 NA 306,746 NA
Tier 2 Capital($000) NA 21,610 NA 20,443 NA
Total Capital($000) NA 315,287 NA 327,189 NA
Total Risk-weighted Assets($000) NA 2,048,173 NA 2,119,876 NA
Tier 1 Common Capital (CET1) Ratio(%) NA 14.34 NA 14.47 NA
Tier 1 Ratio(%) NA 14.34 NA 14.47 NA
Total Capital Ratio(%) NA 15.39 NA 15.44 NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA 11.07 NA 10.97 NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 48,852,688 49,882,491 (2.06) 49,128,875 (2.25)
Avg Diluted Shares(actual) 49,113,000 49,885,000 (1.55) 49,695,000 (4.68)
Basic Book Value per Share 6.44 5.94 8.42 6.30 8.89
Book Value per Share, As Reported 6.44 5.94 8.42 6.30 8.89
Basic Tangible Book Value per Share 5.95 5.45 9.17 5.81 9.64
Tangible Book Value per Share, As Reported 5.95 5.45 9.17 5.81 9.64
Common Dividends Declared per Share 0.07 0.06 16.67 0.07 0
EPS after Extra 0.18 0.17 5.88 0.19 (21.05)
EPS after Extra Growth(%) 3.50 466.70 (46,314) bp 111.10 (10,758) bp
Core EPS 0.19 0.17 11.76 0.22 (54.55)
Core EPS Growth(%) 9.80 80.30 (7,053) bp 51.10 (4,135) bp
Diluted EPS before Amortization 0.18 0.17 5.88 0.19 (21.05)
Pre-Provision Earnings per Share 0.18 0.17 5.88 0.22 (72.73)

   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.


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