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Financial Highlights Report

Financial Highlights
2018 FQ3 YTD
9/30/2018
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 6,105,354 6,498,097 5,563,767 5,161,996 4,807,176
Total Net Loans 3,249,386 3,275,576 2,546,267 2,415,828 2,170,740
Total Deposits 4,553,512 4,515,447 3,533,076 3,455,407 3,374,417
Equity Attributable to Parent Company 752,506 754,140 518,274 444,062 425,243
Total Equity 752,506 754,140 518,274 444,062 425,243
Profitability (%)
Net Income($000) 56,757 54,312 49,349 43,997 20,833
Net Income Attributable to Parent($000) 56,757 54,312 49,349 43,997 20,833
ROAA 1.20 0.96 0.94 0.90 0.60
Core ROAA 1.33 1.07 0.93 0.94 0.90
ROAE 10.03 9.65 10.54 10.04 7.24
ROATCE 15 12.31 13.63 13.37 8.19
Core ROAE 11.08 10.75 10.41 10.43 10.86
Net Interest Margin 3.17 3.07 3.26 3.40 3.77
Reported: Net Interest Margin 3.17 3.07 3.26 3.40 3.77
Efficiency Ratio 49.07 50.36 55.42 57.46 55.39
Noninterest Inc/ Operating Rev 19.75 20.38 20.76 20.27 18.60
Balance Sheet Ratios (%)
Loans/ Deposits 71.91 72.96 72.36 70.38 64.64
Securities/ Assets 35.17 38.62 44.64 44.58 44.41
Total Equity/ Total Assets 12.33 11.61 9.32 8.60 8.85
Tangible Equity/ Tangible Assets 9.05 8.45 7.72 6.83 6.91
Tang Common Equity/ Tang Assets 9.05 8.45 7.72 6.83 6.91
Asset Quality (%)
NPAs/ Assets 0.65 0.16 0.27 0.63 0.26
NPA Excl Restructured/ Assets 0.56 0.07 0.16 0.41 0.13
NPAs & 90+ PD/ Assets 0.65 0.16 0.27 0.63 0.26
NPAs/ Loans & REO 1.21 0.32 0.59 1.33 0.56
Nonaccrual & 90+ & OREO/ Assets 0.56 0.07 0.16 0.41 0.13
NPAs & 90+ PD/ Loans & REO 1.21 0.32 0.59 1.33 0.56
NPA & Loans 90+/ Tangible Common Equity + LLR 7.10 1.90 3.43 8.88 3.63
NCOs/ Avg Loans 0.03 0.07 0.47 0.09 1.43
Loan Loss Reserves/ Gross Loans 0.80 0.63 0.70 0.81 0.61
Reserves/ NPAs 65.83 198.46 118.62 60.77 108.30
Loan Loss Provision/ NCO NM 259 84.27 439.34 72.79
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 605,027 570,610 461,158 368,865 NA
Tier 1 Capital($000) 663,460 627,532 515,831 422,513 398,798
Tier 2 Capital($000) 126,261 121,000 117,458 20,593 NA
Total Capital($000) 789,721 748,532 633,289 443,106 412,893
Total Risk-weighted Assets($000) 3,805,201 3,893,691 3,150,210 2,901,083 2,473,914
Tier 1 Common Capital (CET1) Ratio(%) 15.90 14.65 14.64 12.71 NA
Tier 1 Ratio(%) 17.43 16.12 16.37 14.56 16.12
Total Capital Ratio(%) 20.75 19.22 20.10 15.27 16.69
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.06 11.16 9.46 8.61 11.35
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 35,159,939 35,000,333 29,261,000 27,336,750 27,251,675
Avg Diluted Shares(actual) 35,241,000 30,047,000 27,247,000 27,382,000 21,669,000
Basic Book Value per Share 21.40 21.55 17.71 16.24 15.60
Book Value per Share, As Reported 21.40 21.55 17.71 16.25 15.61
Basic Tangible Book Value per Share 15.14 15.14 14.43 12.66 11.93
Tangible Book Value per Share, As Reported NA 15.14 14.43 12.65 11.92
Common Dividends Declared per Share 0.88 1.10 0.96 0.92 0.84
EPS after Extra 1.61 1.81 1.81 1.61 0.97
EPS after Extra Growth(%) 8.10 (0.30) 12.90 65.70 (50)
Core EPS 1.78 2.02 1.79 1.67 1.45
Core EPS Growth(%) 17 12.50 7.40 14.80 (10.60)
Diluted EPS before Amortization 1.72 1.88 1.89 1.69 0.98
Pre-Provision Earnings per Share 1.68 1.71 1.59 1.43 1.50
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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