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Financial Highlights Report

Financial Highlights
2018 FQ1
3/31/2018
2018 FQ2
6/30/2018
2018 FQ3
9/30/2018
2018 FQ4
12/31/2018
2019 FQ1
3/31/2019
Balance Sheet ($000)
Total Assets 2,210,712 2,933,376 2,931,018 2,950,007 3,077,246
Total Net Loans 1,760,511 2,381,859 2,393,410 2,420,793 2,426,819
Total Deposits 1,785,704 2,207,678 2,242,241 2,296,049 2,335,435
Equity Attributable to Parent Company 210,393 354,344 360,180 370,771 380,123
Total Equity 210,393 354,344 360,180 370,771 380,123
Profitability (%)
Net Income($000) 6,065 2,726 8,265 10,162 8,504
Net Income Attributable to Parent($000) 6,065 2,726 8,265 10,162 8,504
ROAA 1.14 0.39 1.13 1.38 1.14
Core ROAA 1.19 1.19 1.38 1.38 1.15
ROAE 11.20 3.13 8.96 10.79 8.86
ROATCE 13.62 4.55 13.62 16.04 13.17
Core ROAE 11.63 9.53 10.95 10.81 8.91
Net Interest Margin 3.69 3.78 3.83 3.68 3.53
Reported: Net Interest Margin 3.76 3.80 3.81 3.66 3.59
Efficiency Ratio 52.90 50.87 50.30 47.38 52.49
Noninterest Inc/ Operating Rev 9.15 9.95 8.07 12.86 8.49
Balance Sheet Ratios (%)
Loans/ Deposits 98.72 106.65 106.66 105.25 103.83
Securities/ Assets 9.87 7.66 7.83 7.83 10.43
Total Equity/ Total Assets 9.52 12.08 12.29 12.57 12.35
Tangible Equity/ Tangible Assets 8.23 8.62 8.85 9.18 9.12
Tang Common Equity/ Tang Assets 8.23 8.62 8.85 9.18 9.12
Asset Quality (%)
NPAs/ Assets 0.28 0.25 0.29 0.27 0.28
NPA Excl Restructured/ Assets 0.16 0.17 0.20 0.19 0.20
NPAs & 90+ PD/ Assets 0.30 0.27 0.37 0.28 0.32
NPAs/ Loans & REO 0.35 0.31 0.35 0.33 0.35
Nonaccrual & 90+ & OREO/ Assets 0.18 0.19 0.29 0.20 0.24
NPAs & 90+ PD/ Loans & REO 0.37 0.33 0.45 0.34 0.40
NPA & Loans 90+/ Tangible Common Equity + LLR 3.52 3.14 4.24 3.03 3.51
NCOs/ Avg Loans 0.01 0.02 0.01 0.02 0.01
Loan Loss Reserves/ Gross Loans 0.35 0.28 0.29 0.31 0.32
Reserves/ NPAs 100.87 91.59 83.46 94.62 91.90
Loan Loss Provision/ NCO NM 625.88 NM 499.19 537.66
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 181,452 245,645 253,178 262,658 270,091
Tier 1 Capital($000) 185,522 249,755 257,327 266,845 274,319
Tier 2 Capital($000) 41,342 41,781 42,076 42,559 42,882
Total Capital($000) 226,864 291,536 299,403 309,404 317,201
Total Risk-weighted Assets($000) 1,938,562 2,574,229 2,605,477 2,628,536 2,665,354
Tier 1 Common Capital (CET1) Ratio(%) 9.36 9.54 9.72 9.99 10.13
Tier 1 Ratio(%) 9.57 9.70 9.88 10.15 10.29
Total Capital Ratio(%) 11.80 11.33 11.49 11.77 11.90
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.87 9.35 9.13 9.43 9.59
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 12,566,696 16,988,883 16,988,883 17,031,052 17,051,569
Avg Diluted Shares(actual) 12,743,282 16,464,580 17,187,837 17,181,820 17,170,507
Basic Book Value per Share 16.74 20.86 21.20 21.77 22.29
Book Value per Share, As Reported 16.74 20.86 21.20 21.77 22.29
Basic Tangible Book Value per Share 14.27 14.32 14.70 15.31 15.88
Tangible Book Value per Share, As Reported 14.27 14.32 14.70 15.39 15.88
Common Dividends Declared per Share 0.08 0.10 0.10 0.10 0.12
EPS after Extra 0.48 0.17 0.48 0.59 0.50
EPS after Extra Growth(%) 33.30 (52.80) 166.70 28.30 4.20
Core EPS 0.50 0.52 0.59 0.59 0.50
Core EPS Growth(%) 34.10 37.70 43.10 (16.10) 0.80
Diluted EPS before Amortization 0.50 0.20 0.52 0.63 0.54
Pre-Provision Earnings per Share 0.53 0.59 0.58 0.63 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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