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 6,627,982 6,758,436 6,648,290 6,236,756 5,689,995
Total Net Loans 4,815,702 4,790,529 4,629,349 4,222,278 3,740,038
Total Deposits 5,369,990 4,888,959 4,837,807 4,625,139 4,395,306
Equity Attributable to Parent Company 658,358 619,459 574,780 547,953 515,014
Total Equity 659,865 620,871 576,202 549,405 516,466
Profitability (%)
Net Income($000) 60,733 82,435 52,622 59,471 58,552
Net Income Attributable to Parent($000) 60,638 82,308 52,494 59,340 58,421
ROAA 1.21 1.23 0.82 1.01 1.07
Core ROAA 1.22 1.25 1.09 1.02 1.01
ROAE 12.52 13.95 9.11 10.87 11.53
ROATCE 14.79 16.83 11.17 13.55 14.67
Core ROAE 12.65 14.21 12.06 11.08 10.89
Net Interest Margin 3.36 3.37 3.41 3.33 3.38
Reported: Net Interest Margin 3.37 3.37 3.41 3.33 3.38
Efficiency Ratio 62.38 61.26 61.19 61.73 63.14
Noninterest Inc/ Operating Rev 26.42 26.15 25.69 27.29 29.33
Balance Sheet Ratios (%)
Loans/ Deposits 90.42 98.82 96.51 92.06 85.81
Securities/ Assets 19.72 22.59 23.80 25.92 27.58
Total Equity/ Total Assets 9.96 9.19 8.67 8.81 9.08
Tangible Equity/ Tangible Assets 8.60 7.84 7.26 7.27 7.39
Tang Common Equity/ Tang Assets 8.58 7.81 7.24 7.25 7.37
Asset Quality (%)
NPAs/ Assets 0.45 0.40 0.36 0.36 0.41
NPA Excl Restructured/ Assets 0.35 0.33 0.31 0.31 0.34
NPAs & 90+ PD/ Assets 0.47 0.42 0.38 0.40 0.45
NPAs/ Loans & REO 0.62 0.56 0.52 0.53 0.62
Nonaccrual & 90+ & OREO/ Assets 0.37 0.35 0.33 0.35 0.38
NPAs & 90+ PD/ Loans & REO 0.64 0.59 0.54 0.59 0.67
NPA & Loans 90+/ Tangible Common Equity + LLR 5.17 5.02 4.95 5.22 5.72
NCOs/ Avg Loans 0.12 0.01 0 0.01 0
Loan Loss Reserves/ Gross Loans 0.85 0.90 0.85 0.84 0.85
Reserves/ NPAs 137.45 160.86 164 158.68 137.21
Loan Loss Provision/ NCO 53.71 NM NM NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 596,871 583,458 526,822 486,006 449,535
Tier 1 Capital($000) 613,863 600,321 543,514 523,687 487,043
Tier 2 Capital($000) 43,355 45,570 41,499 37,584 33,848
Total Capital($000) 657,218 645,891 585,013 561,271 520,891
Total Risk-weighted Assets($000) 4,918,301 4,928,573 4,768,348 4,419,002 3,996,384
Tier 1 Common Capital (CET1) Ratio(%) 12.14 11.84 11.05 11 11.25
Tier 1 Ratio(%) 12.48 12.18 11.40 11.85 12.19
Total Capital Ratio(%) 13.36 13.11 12.27 12.70 13.03
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.43 9.05 8.43 8.77 8.82
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 14,975,750 15,312,377 15,265,614 15,135,906 14,979,684
Avg Diluted Shares(actual) 15,035,780 15,132,257 15,073,255 14,936,231 14,863,026
Basic Book Value per Share 43.96 40.45 37.65 36.20 34.38
Book Value per Share, As Reported 43.96 40.45 37.65 36.20 34.38
Basic Tangible Book Value per Share 37.40 33.98 31.04 29.38 27.48
Tangible Book Value per Share, As Reported 37.40 33.98 31.04 29.38 27.48
Common Dividends Declared per Share 1.50 1.94 1.82 1.77 1.70
EPS after Extra 3.97 5.35 3.43 3.91 3.87
EPS after Extra Growth(%) (3.60) 56 (12.30) 1 11.20
Core EPS 4.01 5.44 4.55 3.98 3.64
Core EPS Growth(%) (3.40) 19.60 14.30 9.30 2.80
Diluted EPS before Amortization 4.05 5.47 3.56 4.05 4.01
Pre-Provision Earnings per Share 4.05 5.55 4.27 3.86 3.58
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.
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