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Financial Highlights Report

Financial Highlights
2018 FQ2
6/30/2018
2018 FQ3
9/30/2018
2018 FQ4
12/31/2018
2019 FQ1
3/31/2019
2019 FQ2
6/30/2019
Balance Sheet ($000)
Total Assets 2,933,376 2,931,018 2,950,007 3,077,246 3,075,613
Total Net Loans 2,381,859 2,393,410 2,420,793 2,426,819 2,435,880
Total Deposits 2,207,678 2,242,241 2,296,049 2,335,435 2,384,481
Equity Attributable to Parent Company 354,344 360,180 370,771 380,123 389,312
Total Equity 354,344 360,180 370,771 380,123 389,312
Profitability (%)
Net Income($000) 2,726 8,265 10,162 8,504 8,912
Net Income Attributable to Parent($000) 2,726 8,265 10,162 8,504 8,912
ROAA 0.39 1.13 1.38 1.14 1.16
Core ROAA 1.19 1.38 1.38 1.15 1.16
ROAE 3.13 8.96 10.79 8.86 9.17
ROATCE 4.55 13.62 16.04 13.17 13.48
Core ROAE 9.53 10.95 10.81 8.91 9.14
Net Interest Margin 3.78 3.83 3.68 3.53 3.47
Reported: Net Interest Margin 3.80 3.81 3.66 3.59 3.49
Efficiency Ratio 50.87 50.30 47.38 52.49 53.08
Noninterest Inc/ Operating Rev 9.95 8.07 12.86 8.49 9.88
Balance Sheet Ratios (%)
Loans/ Deposits 106.65 106.66 105.25 103.83 101.84
Securities/ Assets 7.66 7.83 7.83 10.43 10
Total Equity/ Total Assets 12.08 12.29 12.57 12.35 12.66
Tangible Equity/ Tangible Assets 8.62 8.85 9.18 9.12 9.46
Tang Common Equity/ Tang Assets 8.62 8.85 9.18 9.12 9.46
Asset Quality (%)
NPAs/ Assets 0.25 0.29 0.27 0.28 0.27
NPA Excl Restructured/ Assets 0.17 0.20 0.19 0.20 0.19
NPAs & 90+ PD/ Assets 0.27 0.37 0.28 0.32 0.36
NPAs/ Loans & REO 0.31 0.35 0.33 0.35 0.34
Nonaccrual & 90+ & OREO/ Assets 0.19 0.29 0.20 0.24 0.28
NPAs & 90+ PD/ Loans & REO 0.33 0.45 0.34 0.40 0.45
NPA & Loans 90+/ Tangible Common Equity + LLR 3.14 4.24 3.03 3.51 3.81
NCOs/ Avg Loans 0.02 0.01 0.02 0.01 0
Loan Loss Reserves/ Gross Loans 0.28 0.29 0.31 0.32 0.32
Reserves/ NPAs 91.59 83.46 94.62 91.90 96.31
Loan Loss Provision/ NCO 625.88 NM 499.19 537.66 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 245,645 253,178 262,658 270,091 277,965
Tier 1 Capital($000) 249,755 257,327 266,845 274,319 282,232
Tier 2 Capital($000) 41,781 42,076 42,559 42,882 43,016
Total Capital($000) 291,536 299,403 309,404 317,201 325,248
Total Risk-weighted Assets($000) 2,574,229 2,605,477 2,628,536 2,665,354 2,661,862
Tier 1 Common Capital (CET1) Ratio(%) 9.54 9.72 9.99 10.13 10.44
Tier 1 Ratio(%) 9.70 9.88 10.15 10.29 10.60
Total Capital Ratio(%) 11.33 11.49 11.77 11.90 12.22
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.35 9.13 9.43 9.59 9.56
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 16,988,883 16,988,883 17,031,052 17,051,569 16,999,146
Avg Diluted Shares(actual) 16,464,580 17,187,837 17,181,820 17,170,507 17,148,958
Basic Book Value per Share 20.86 21.20 21.77 22.29 22.90
Book Value per Share, As Reported 20.86 21.20 21.77 22.29 22.90
Basic Tangible Book Value per Share 14.32 14.70 15.31 15.88 16.51
Tangible Book Value per Share, As Reported 14.32 14.70 15.39 15.88 16.51
Common Dividends Declared per Share 0.10 0.10 0.10 0.12 0.12
EPS after Extra 0.17 0.48 0.59 0.50 0.52
EPS after Extra Growth(%) (52.80) 166.70 28.30 4.20 205.90
Core EPS 0.52 0.59 0.59 0.50 0.52
Core EPS Growth(%) 37.70 43.10 (16.10) 0.80 0.20
Diluted EPS before Amortization 0.20 0.52 0.63 0.54 0.56
Pre-Provision Earnings per Share 0.59 0.58 0.63 0.52 0.52
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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