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Financial Highlights Report

Financial Highlights
2017 FQ3
9/30/2017
2017 FQ4
12/31/2017
2018 FQ1
3/31/2018
2018 FQ2
6/30/2018
2018 FQ3
9/30/2018
Balance Sheet ($000)
Total Assets 2,061,239 2,105,613 2,210,712 2,933,376 2,931,018
Total Net Loans 1,669,234 1,700,766 1,760,511 2,381,859 2,393,410
Total Deposits 1,654,635 1,652,903 1,785,704 2,207,678 2,242,241
Equity Attributable to Parent Company 203,340 207,727 210,393 354,344 360,180
Total Equity 203,340 207,727 210,393 354,344 360,180
Profitability (%)
Net Income($000) 2,163 5,857 6,065 2,726 8,265
Net Income Attributable to Parent($000) 2,163 5,857 6,065 2,726 8,265
ROAA 0.43 1.13 1.14 0.39 1.13
Core ROAA 0.99 1.73 1.19 1.19 1.38
ROAE 4.30 11.18 11.20 3.13 8.96
ROATCE 5.23 13.62 13.62 4.55 13.62
Core ROAE 9.79 17.11 11.63 9.53 10.95
Net Interest Margin 3.73 3.74 3.70 3.78 3.83
Reported: Net Interest Margin 3.71 3.72 3.76 3.80 3.81
Efficiency Ratio 53.09 52.96 52.90 50.87 50.30
Noninterest Inc/ Operating Rev 11.52 9.49 9.15 9.95 8.07
Balance Sheet Ratios (%)
Loans/ Deposits 101.07 102.99 98.72 106.65 106.66
Securities/ Assets 10.72 10.80 9.87 7.66 7.83
Total Equity/ Total Assets 9.86 9.87 9.52 12.08 12.29
Tangible Equity/ Tangible Assets 8.46 8.50 8.23 8.62 8.85
Tang Common Equity/ Tang Assets 8.46 8.50 8.23 8.62 8.85
Asset Quality (%)
NPAs/ Assets 0.32 0.31 0.28 0.25 0.29
NPA Excl Restructured/ Assets 0.19 0.18 0.16 0.17 0.20
NPAs & 90+ PD/ Assets 0.33 0.31 0.30 0.27 0.37
NPAs/ Loans & REO 0.39 0.38 0.35 0.31 0.35
Nonaccrual & 90+ & OREO/ Assets 0.19 0.18 0.18 0.19 0.29
NPAs & 90+ PD/ Loans & REO 0.40 0.38 0.37 0.33 0.45
NPA & Loans 90+/ Tangible Common Equity + LLR 3.78 3.59 3.52 3.14 4.24
NCOs/ Avg Loans 0.06 0 0.01 0.02 0.01
Loan Loss Reserves/ Gross Loans 0.35 0.35 0.35 0.28 0.29
Reserves/ NPAs 88.13 92.04 100.87 91.59 83.46
Loan Loss Provision/ NCO 58.87 NM NM 625.88 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 168,600 176,070 181,452 245,645 253,178
Tier 1 Capital($000) 172,592 180,101 185,522 249,755 257,327
Tier 2 Capital($000) 40,875 40,982 41,342 41,781 42,076
Total Capital($000) 213,467 221,083 226,864 291,536 299,403
Total Risk-weighted Assets($000) 1,817,201 1,872,984 1,938,562 2,574,229 2,605,477
Tier 1 Common Capital (CET1) Ratio(%) 9.28 9.40 9.36 9.54 9.72
Tier 1 Ratio(%) 9.50 9.62 9.57 9.70 9.88
Total Capital Ratio(%) 11.75 11.80 11.80 11.33 11.49
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.84 8.84 8.87 9.35 9.13
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 12,467,518 12,508,332 12,566,696 16,988,883 16,988,883
Avg Diluted Shares(actual) 12,172,868 12,696,087 12,743,282 16,464,580 17,187,837
Basic Book Value per Share 16.31 16.61 16.74 20.86 21.20
Book Value per Share, As Reported 16.31 16.61 16.74 20.86 21.20
Basic Tangible Book Value per Share 13.77 14.10 14.27 14.32 14.70
Tangible Book Value per Share, As Reported 13.77 14.10 14.27 14.32 14.70
Common Dividends Declared per Share 0.08 0.08 0.08 0.10 0.10
EPS after Extra 0.18 0.46 0.48 0.17 0.48
EPS after Extra Growth(%) (43.80) 17.90 33.30 (52.80) 166.70
Core EPS 0.41 0.70 0.50 0.52 0.59
Core EPS Growth(%) 22.20 72.80 34.10 37.70 43.10
Diluted EPS before Amortization 0.20 0.48 0.50 0.20 0.52
Pre-Provision Earnings per Share 0.43 0.42 0.53 0.59 0.58
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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