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Financial Highlights Report

Financial Highlights
2017 FQ4
12/31/2017
2018 FQ1
3/31/2018
2018 FQ2
6/30/2018
2018 FQ3
9/30/2018
2018 FQ4
12/31/2018
Balance Sheet ($000)
Total Assets 2,105,613 2,210,712 2,933,376 2,931,018 2,950,007
Total Net Loans 1,700,766 1,760,511 2,381,859 2,393,410 2,420,793
Total Deposits 1,652,903 1,785,704 2,207,678 2,242,241 2,296,049
Equity Attributable to Parent Company 207,727 210,393 354,344 360,180 370,771
Total Equity 207,727 210,393 354,344 360,180 370,771
Profitability (%)
Net Income($000) 5,857 6,065 2,726 8,265 10,162
Net Income Attributable to Parent($000) 5,857 6,065 2,726 8,265 10,162
ROAA 1.13 1.14 0.39 1.13 1.38
Core ROAA 1.73 1.19 1.19 1.38 1.38
ROAE 11.18 11.20 3.13 8.96 10.79
ROATCE 13.62 13.62 4.55 13.62 15.99
Core ROAE 17.11 11.63 9.53 10.95 10.81
Net Interest Margin 3.74 3.70 3.78 3.83 3.68
Reported: Net Interest Margin 3.72 3.76 3.80 3.81 3.66
Efficiency Ratio 52.96 52.90 50.87 50.30 47.38
Noninterest Inc/ Operating Rev 9.49 9.15 9.95 8.07 12.86
Balance Sheet Ratios (%)
Loans/ Deposits 102.99 98.72 106.65 106.66 105.25
Securities/ Assets 10.80 9.87 7.66 7.83 7.83
Total Equity/ Total Assets 9.87 9.52 12.08 12.29 12.57
Tangible Equity/ Tangible Assets 8.50 8.23 8.62 8.85 9.22
Tang Common Equity/ Tang Assets 8.50 8.23 8.62 8.85 9.22
Asset Quality (%)
NPAs/ Assets 0.31 0.28 0.25 0.29 NA
NPA Excl Restructured/ Assets 0.18 0.16 0.17 0.20 0.19
NPAs & 90+ PD/ Assets 0.31 0.30 0.27 0.37 NA
NPAs/ Loans & REO 0.38 0.35 0.31 0.35 NA
Nonaccrual & 90+ & OREO/ Assets 0.18 0.18 0.19 0.29 0.20
NPAs & 90+ PD/ Loans & REO 0.38 0.37 0.33 0.45 NA
NPA & Loans 90+/ Tangible Common Equity + LLR 3.59 3.52 3.14 4.24 NA
NCOs/ Avg Loans 0 0.01 0.02 0.01 0.02
Loan Loss Reserves/ Gross Loans 0.35 0.35 0.28 0.29 0.31
Reserves/ NPAs 92.04 100.87 91.59 83.46 NA
Loan Loss Provision/ NCO NM NM 625.88 NM 499.19
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 176,070 181,452 245,645 253,178 NA
Tier 1 Capital($000) 180,101 185,522 249,755 257,327 NA
Tier 2 Capital($000) 40,982 41,342 41,781 42,076 NA
Total Capital($000) 221,083 226,864 291,536 299,403 NA
Total Risk-weighted Assets($000) 1,872,984 1,938,562 2,574,229 2,605,477 NA
Tier 1 Common Capital (CET1) Ratio(%) 9.40 9.36 9.54 9.72 10.02
Tier 1 Ratio(%) 9.62 9.57 9.70 9.88 10.18
Total Capital Ratio(%) 11.80 11.80 11.33 11.49 11.80
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.84 8.87 9.35 9.13 NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 12,508,332 12,566,696 16,988,883 16,988,883 17,031,052
Avg Diluted Shares(actual) 12,696,087 12,743,282 16,464,580 17,187,837 17,181,820
Basic Book Value per Share 16.61 16.74 20.86 21.20 21.77
Book Value per Share, As Reported 16.61 16.74 20.86 21.20 21.77
Basic Tangible Book Value per Share 14.10 14.27 14.32 14.70 15.39
Tangible Book Value per Share, As Reported 14.10 14.27 14.32 14.70 15.39
Common Dividends Declared per Share 0.08 0.08 0.10 0.10 0.10
EPS after Extra 0.46 0.48 0.17 0.48 0.59
EPS after Extra Growth(%) 17.90 33.30 (52.80) 166.70 28.30
Core EPS 0.70 0.50 0.52 0.59 0.59
Core EPS Growth(%) 72.80 34.10 37.70 43.10 (16.10)
Diluted EPS before Amortization 0.48 0.50 0.20 0.52 0.63
Pre-Provision Earnings per Share 0.42 0.53 0.59 0.58 0.63
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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