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Financial Highlights

Financial Highlights
2019 FQ3 YTD
9/30/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
Balance Sheet ($000)
Total Assets 5,976,716 5,807,026 5,623,708 5,384,236 5,131,288
Total Net Loans 4,326,711 4,037,097 3,736,950 3,500,140 3,162,327
Total Deposits 5,037,659 4,946,490 4,956,354 4,608,201 4,433,439
Equity Attributable to Parent Company 525,227 491,725 500,011 504,650 494,614
Total Equity 525,227 491,725 500,035 504,675 494,639
Profitability (%)
Net Income($000) 44,125 59,462 41,203 46,992 45,893
Net Income Attributable to Parent($000) 44,125 59,486 41,204 46,992 45,868
ROAA 1 1.05 0.75 0.90 0.92
Core ROAA 0.95 1.04 0.91 0.93 0.98
ROAE 11.58 12.21 8.02 9.16 8.91
ROATCE 11.58 12.56 8.42 9.61 9.40
Core ROAE 10.99 12.15 9.78 9.47 9.41
Net Interest Margin 3.32 3.22 3.28 3.27 3.30
Reported: Net Interest Margin 3.32 3.22 3.28 3.27 3.30
Efficiency Ratio 63.38 62.23 62.32 63.49 65.58
Noninterest Inc/ Operating Rev 17.64 18.15 17.68 18.96 19.19
Balance Sheet Ratios (%)
Loans/ Deposits 86.70 82.45 76.08 76.49 72.44
Securities/ Assets 20.19 23.66 26.81 27.42 29.86
Total Equity/ Total Assets 8.79 8.47 8.89 9.37 9.64
Tangible Equity/ Tangible Assets 8.79 8.47 8.86 9.29 9.51
Tang Common Equity/ Tang Assets 8.79 8.47 8.86 9.29 9.51
Asset Quality (%)
NPAs/ Assets 0.17 0.27 0.29 0.49 0.72
NPA Excl Restructured/ Assets 0.02 0.05 0.06 0.17 0.32
NPAs & 90+ PD/ Assets 0.17 0.28 0.30 0.51 0.73
NPAs/ Loans & REO 0.23 0.38 0.43 0.74 1.15
Nonaccrual & 90+ & OREO/ Assets 0.03 0.06 0.07 0.20 0.32
NPAs & 90+ PD/ Loans & REO 0.24 0.40 0.44 0.78 1.16
NPA & Loans 90+/ Tangible Common Equity + LLR 1.82 2.99 3.07 4.97 6.80
NCOs/ Avg Loans 0.13 0.02 0.11 0.03 (0.16)
Loan Loss Reserves/ Gross Loans 1.10 1.17 1.32 1.59 1.96
Reserves/ NPAs 471.35 307.08 307.51 215.41 170.25
Loan Loss Provision/ NCO 106.33 (116.96) (67.59) NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 511,478 500,260 490,861 485,268 472,698
Tier 1 Capital($000) 561,478 570,260 578,607 562,460 532,787
Tier 2 Capital($000) 49,598 49,159 49,461 49,742 46,864
Total Capital($000) 611,076 619,419 628,068 612,202 579,651
Total Risk-weighted Assets($000) 4,447,635 4,215,353 3,945,350 3,952,612 3,696,807
Tier 1 Common Capital (CET1) Ratio(%) 11.50 11.87 12.44 12.28 12.79
Tier 1 Ratio(%) 12.60 13.53 14.67 14.23 14.41
Total Capital Ratio(%) 13.70 14.69 15.92 15.49 15.68
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.50 9.88 10.35 10.64 10.69
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 28,441,341 28,967,715 30,024,222 30,796,243 31,361,452
Avg Diluted Shares(actual) 28,762,057 29,609,907 30,638,140 31,224,894 32,652,495
Basic Book Value per Share 18.47 16.97 16.65 16.39 15.77
Book Value per Share, As Reported 18.47 16.97 16.65 16.39 15.77
Basic Tangible Book Value per Share 18.47 16.97 16.59 16.23 15.54
Tangible Book Value per Share, As Reported 18.47 16.97 16.59 16.23 15.54
Common Dividends Declared per Share 0.67 0.82 0.70 0.60 0.82
EPS after Extra 1.53 2.01 1.34 1.50 1.40
EPS after Extra Growth(%) 4.10 50 (10.70) 7.10 30.80
Core EPS 1.45 2 1.63 1.55 1.48
Core EPS Growth(%) (4.50) 22.50 5.20 5 31
Diluted EPS before Amortization 1.53 2.08 1.43 1.59 1.48
Pre-Provision Earnings per Share 1.64 2.05 1.54 1.40 1.18
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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