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Financial Highlights Report

Financial Highlights
2018 FQ3
9/30/2018
2018 FQ4
12/31/2018
2019 FQ1
3/31/2019
2019 FQ2
6/30/2019
2019 FQ3
9/30/2019
Balance Sheet ($000)
Total Assets 2,931,018 2,950,007 3,077,246 3,075,613 3,096,838
Total Net Loans 2,393,410 2,420,793 2,426,819 2,435,880 2,496,456
Total Deposits 2,242,241 2,296,049 2,335,435 2,384,481 2,413,346
Equity Attributable to Parent Company 360,180 370,771 380,123 389,312 397,361
Total Equity 360,180 370,771 380,123 389,312 397,361
Profitability (%)
Net Income($000) 8,265 10,162 8,504 8,912 9,184
Net Income Attributable to Parent($000) 8,265 10,162 8,504 8,912 9,184
ROAA 1.13 1.38 1.14 1.16 1.20
Core ROAA 1.38 1.38 1.15 1.16 1.14
ROAE 8.96 10.79 8.86 9.17 9.32
ROATCE 13.62 16.04 13.17 13.48 13.58
Core ROAE 10.95 10.81 8.91 9.14 8.86
Net Interest Margin 3.83 3.68 3.53 3.47 3.50
Reported: Net Interest Margin 3.81 3.66 3.59 3.49 3.48
Efficiency Ratio 50.30 47.38 52.49 53.08 52.75
Noninterest Inc/ Operating Rev 8.07 12.86 8.49 9.88 10.71
Balance Sheet Ratios (%)
Loans/ Deposits 106.66 105.25 103.83 101.84 102.84
Securities/ Assets 7.83 7.83 10.43 10 9.02
Total Equity/ Total Assets 12.29 12.57 12.35 12.66 12.83
Tangible Equity/ Tangible Assets 8.85 9.18 9.12 9.46 9.68
Tang Common Equity/ Tang Assets 8.85 9.18 9.12 9.46 9.68
Asset Quality (%)
NPAs/ Assets 0.29 0.27 0.28 0.27 0.35
NPA Excl Restructured/ Assets 0.20 0.19 0.20 0.19 0.28
NPAs & 90+ PD/ Assets 0.37 0.28 0.32 0.36 0.38
NPAs/ Loans & REO 0.35 0.33 0.35 0.34 0.44
Nonaccrual & 90+ & OREO/ Assets 0.29 0.20 0.24 0.28 0.31
NPAs & 90+ PD/ Loans & REO 0.45 0.34 0.40 0.45 0.47
NPA & Loans 90+/ Tangible Common Equity + LLR 4.24 3.03 3.51 3.81 3.98
NCOs/ Avg Loans 0.01 0.02 0.01 0 0.06
Loan Loss Reserves/ Gross Loans 0.29 0.31 0.32 0.32 0.32
Reserves/ NPAs 83.46 94.62 91.90 96.31 73.40
Loan Loss Provision/ NCO NM 499.19 537.66 NM 132.56
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 253,178 262,658 270,091 277,965 286,365
Tier 1 Capital($000) 257,327 266,845 274,319 282,232 290,671
Tier 2 Capital($000) 42,076 42,559 42,882 43,016 43,178
Total Capital($000) 299,403 309,404 317,201 325,248 333,849
Total Risk-weighted Assets($000) 2,605,477 2,628,536 2,665,354 2,661,862 2,707,408
Tier 1 Common Capital (CET1) Ratio(%) 9.72 9.99 10.13 10.44 10.58
Tier 1 Ratio(%) 9.88 10.15 10.29 10.60 10.74
Total Capital Ratio(%) 11.49 11.77 11.90 12.22 12.33
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.13 9.43 9.59 9.56 9.88
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 16,988,883 17,031,052 17,051,569 16,999,146 16,999,146
Avg Diluted Shares(actual) 17,187,837 17,181,820 17,170,507 17,148,958 17,129,181
Basic Book Value per Share 21.20 21.77 22.29 22.90 23.38
Book Value per Share, As Reported 21.20 21.77 22.29 22.90 23.38
Basic Tangible Book Value per Share 14.70 15.31 15.88 16.51 17.02
Tangible Book Value per Share, As Reported 14.70 15.31 15.88 16.51 17.02
Common Dividends Declared per Share 0.10 0.10 0.12 0.12 0.12
EPS after Extra 0.48 0.59 0.50 0.52 0.54
EPS after Extra Growth(%) 166.70 28.30 4.20 205.90 12.50
Core EPS 0.59 0.59 0.50 0.52 0.51
Core EPS Growth(%) 43.10 (16.10) 0.80 0.20 (12.60)
Diluted EPS before Amortization 0.52 0.63 0.54 0.56 0.58
Pre-Provision Earnings per Share 0.58 0.63 0.52 0.52 0.54
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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