Financial Highlights
Financial Highlights
2019 FQ2 YTD
6/30/2019
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 3,576,139 3,363,907 3,286,704 3,082,571 2,903,556
Total Net Loans 2,857,440 2,730,705 2,539,051 2,360,659 2,262,046
Total Deposits 2,619,209 2,463,708 2,522,365 2,374,985 2,275,382
Equity Attributable to Parent Company 400,117 375,249 365,870 340,811 333,804
Total Equity 400,117 375,249 365,870 340,811 333,804
Profitability (%)
Net Income($000) 23,539 42,024 31,274 31,913 27,020
Net Income Attributable to Parent($000) 23,539 42,024 31,274 31,913 27,020
ROAA 1.35 1.28 1 1.07 0.94
Core ROAA 1.25 1.33 1.06 1.07 1.02
ROAE 12.30 11.33 8.82 9.35 8.19
ROATCE 14.80 13.86 11.07 11.99 10.88
Core ROAE 11.38 11.75 9.39 9.33 8.93
Net Interest Margin 3.79 3.96 3.79 3.86 3.83
Reported: Net Interest Margin 3.83 3.96 3.79 3.86 3.83
Efficiency Ratio 60.07 60.52 60.57 59.96 64.27
Noninterest Inc/ Operating Rev 13.71 13.62 13.89 14.60 13.67
Balance Sheet Ratios (%)
Loans/ Deposits NA 111.70 101.33 100.11 100.05
Securities/ Assets 10.23 10.51 10.61 10.97 12.28
Total Equity/ Total Assets 11.19 11.16 11.13 11.06 11.50
Tangible Equity/ Tangible Assets 9.82 9.68 9.56 9.31 9.56
Tang Common Equity/ Tang Assets 9.82 9.68 9.56 9.31 9.56
Asset Quality (%)
NPAs/ Assets NA 0.72 0.47 0.61 0.90
NPA Excl Restructured/ Assets NA 0.15 0.29 0.21 0.23
NPAs & 90+ PD/ Assets NA 0.72 0.47 0.61 0.90
NPAs/ Loans & REO NA 0.88 0.61 0.79 1.14
Nonaccrual & 90+ & OREO/ Assets NA 0.15 0.29 0.21 0.23
NPAs & 90+ PD/ Loans & REO NA 0.88 0.61 0.79 1.14
NPA & Loans 90+/ Tangible Common Equity + LLR NA 7.06 4.73 6.31 9.07
NCOs/ Avg Loans 0.01 (0.07) 0.06 0.03 0.15
Loan Loss Reserves/ Gross Loans 0.83 0.81 0.76 0.76 0.69
Reserves/ NPAs NA 92.57 125.56 95.09 60.15
Loan Loss Provision/ NCO NM NM 209.22 467.74 (29.76)
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 344,459 329,596 316,472 293,555 280,171
Tier 1 Capital($000) 388,788 373,721 359,047 336,316 329,858
Tier 2 Capital($000) 24,053 22,381 19,501 17,962 15,681
Total Capital($000) 412,841 396,102 378,548 354,278 345,539
Total Risk-weighted Assets($000) 3,289,958 3,167,655 2,946,527 2,697,727 2,570,015
Tier 1 Common Capital (CET1) Ratio(%) 10.47 10.41 10.71 10.88 10.89
Tier 1 Ratio(%) 11.82 11.80 12.19 12.47 12.83
Total Capital Ratio(%) 12.55 12.50 12.85 13.13 13.45
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.17 11.41 11.24 11.17 11.56
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 16,440,356 16,534,256 16,592,125 16,416,695 16,358,711
Avg Diluted Shares(actual) 16,434,941 16,606,416 16,489,070 16,310,730 16,642,140
Basic Book Value per Share 24.34 22.70 22.05 20.76 20.41
Book Value per Share, As Reported 24.34 22.70 22.05 20.76 20.41
Basic Tangible Book Value per Share 21.05 19.37 18.61 17.14 16.61
Tangible Book Value per Share, As Reported 21.05 19.37 18.61 17.14 16.61
Common Dividends Declared per Share 0.52 1.68 0.74 1.16 0.58
EPS after Extra 1.43 2.53 1.90 1.96 1.62
EPS after Extra Growth(%) 17.20 33.20 (3.10) 21 26.60
Core EPS 1.32 2.62 2.02 1.96 1.77
Core EPS Growth(%) 4.40 29.70 3.40 10.80 8.30
Diluted EPS before Amortization 1.49 2.65 2.04 2.12 1.80
Pre-Provision Earnings per Share 1.33 2.51 1.88 1.88 1.50
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