Financial Highlights

Financial Highlights
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
Balance Sheet ($000)
Total Assets 4,039,599 4,112,292 4,505,529 4,893,968 4,629,941
Total Net Loans 2,667,152 2,649,644 2,697,283 2,611,862 2,296,479
Total Deposits 3,591,181 3,669,615 4,063,839 4,454,561 4,213,957
Equity Attributable to Parent Company 436,214 432,126 434,650 426,549 397,894
Total Equity 436,214 432,126 434,650 426,549 397,894
Profitability (%)
Net Income($000) 11,905 (681) 15,979 39,158 33,460
Net Income Attributable to Parent($000) 11,905 (681) 15,979 39,158 33,460
ROAA 0.29 (0.02) 0.33 0.82 0.72
Core ROAA 0.48 0.24 0.33 0.85 0.82
ROAE 2.75 (0.16) 3.67 9.52 8.67
ROATCE 3.21 (0.17) 4.26 11.62 11.97
Core ROAE 4.48 2.40 3.67 9.91 9.92
Net Interest Margin 3.10 2.80 2.40 2.51 2.41
Reported: Net Interest Margin 3.10 2.80 2.40 2.51 2.41
Efficiency Ratio 60.14 55.16 54.96 48.92 52.53
Noninterest Inc/ Operating Rev 10.26 9.29 9.98 9.58 9.98
Balance Sheet Ratios (%)
Loans/ Deposits 75.29 73.15 67.22 59.24 55.07
Securities/ Assets 19.77 23.38 19.82 29.31 39.74
Total Equity/ Total Assets 10.80 10.51 9.65 8.72 8.59
Tangible Equity/ Tangible Assets 9.48 9.19 8.43 7.59 7.35
Tang Common Equity/ Tang Assets 9.48 9.19 8.43 7.59 7.35
Asset Quality (%)
NPAs/ Assets 3.52 9.07 4.90 4.09 2.92
NPA Excl Restructured/ Assets 2.09 3.23 3.17 2.95 1.48
NPAs & 90+ PD/ Assets 3.52 9.09 4.92 4.10 2.95
NPAs/ Loans & REO 5.20 13.69 8.02 7.46 5.72
Nonaccrual & 90+ & OREO/ Assets 2.09 3.24 3.19 2.96 1.51
NPAs & 90+ PD/ Loans & REO 5.20 13.71 8.04 7.48 5.78
NPA & Loans 90+/ Tangible Common Equity + LLR 34.17 91.67 54.14 50.96 37.96
NCOs/ Avg Loans 0.47 1.56 0.38 0.02 0.01
Loan Loss Reserves/ Gross Loans 1.45 1.32 1.26 1.02 1.04
Reserves/ NPAs 27.53 9.47 15.61 13.48 17.85
Loan Loss Provision/ NCO 129.88 101.93 173.58 NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 387,554 374,506 374,855 366,721 335,339
Tier 1 Capital($000) 387,554 374,506 374,855 366,721 335,339
Tier 2 Capital($000) 34,744 35,466 34,500 21,495 NA
Total Capital($000) 422,298 409,972 409,355 388,216 359,481
Total Risk-weighted Assets($000) 2,774,784 2,896,801 3,067,403 3,226,924 2,978,659
Tier 1 Common Capital (CET1) Ratio(%) 13.97 12.93 12.22 11.36 11.26
Tier 1 Ratio(%) 13.97 12.93 12.22 11.36 11.26
Total Capital Ratio(%) 15.22 14.15 13.35 12.03 12.07
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.69 9.33 8.10 7.61 7.32
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 26,270,174 26,257,761 26,257,761 26,257,761 26,257,761
Avg Diluted Shares(actual) 26,259,223 26,257,761 26,257,761 26,257,761 26,257,761
Basic Book Value per Share 16.60 16.46 16.55 16.24 15.15
Book Value per Share, As Reported NA NA NA NA NA
Basic Tangible Book Value per Share 14.37 14.18 14.28 13.97 12.78
Tangible Book Value per Share, As Reported NA NA NA NA NA
Common Dividends Declared per Share 0 0 0.30 0.40 0.40
EPS after Extra 0.45 (0.03) 0.61 1.49 1.27
EPS after Extra Growth(%) NM NM (59.10) 17.30 28.30
Core EPS 0.73 0.46 0.61 1.55 1.45
Core EPS Growth(%) 57.90 (24) (60.60) 6.70 24.20
Diluted EPS before Amortization 0.45 (0.03) 0.61 1.58 1.55
Pre-Provision Earnings per Share 1.21 1.08 0.88 1.30 1.14
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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