Financial Highlights

Financial Highlights
2018 FQ1 YTD
3/31/2018
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 2,089,604 2,137,058 2,050,579 1,744,863 1,487,732
Total Net Loans 1,643,971 1,575,848 1,386,400 1,160,875 1,113,437
Total Deposits 1,820,028 1,834,962 1,785,209 1,458,021 1,262,168
Equity Attributable to Parent Company 183,055 180,571 168,785 182,821 171,086
Total Equity 183,055 180,571 168,785 182,821 171,086
Profitability (%)
Net Income($000) 6,864 15,444 14,031 17,108 20,770
Net Income Attributable to Parent($000) 6,864 15,444 14,031 17,108 20,770
ROAA 1.33 0.77 0.73 1.12 1.46
Core ROAA 1.52 1.26 1.19 1.36 1.64
ROAE 15.18 8.74 8.32 9.46 12.65
ROATCE 24.58 15.96 16.56 14.33 17.74
Core ROAE 17.31 14.21 13.60 11.55 14.24
Net Interest Margin 3.86 3.76 3.60 3.78 3.97
Reported: Net Interest Margin 3.91 3.76 3.63 3.81 3.97
Efficiency Ratio 73.04 73.60 77.21 76.48 72.99
Noninterest Inc/ Operating Rev 57.24 60.46 62.35 63.82 59.88
Balance Sheet Ratios (%)
Loans/ Deposits 89.98 85.80 76.57 77.29 86.79
Securities/ Assets 12.71 13.18 13.89 11.31 14.20
Total Equity/ Total Assets 8.76 8.45 8.23 10.48 11.50
Tangible Equity/ Tangible Assets 6.37 6.06 5.46 9.37 10.21
Tang Common Equity/ Tang Assets 6.37 6.06 5.46 8.21 8.84
Asset Quality (%)
NPAs/ Assets 0.33 0.31 0.49 0.62 0.48
NPA Excl Restructured/ Assets 0.29 0.30 0.46 0.60 0.41
NPAs & 90+ PD/ Assets 0.33 0.31 0.50 0.71 0.51
NPAs/ Loans & REO 0.42 0.41 0.72 0.92 0.64
Nonaccrual & 90+ & OREO/ Assets 0.29 0.30 0.47 0.69 0.44
NPAs & 90+ PD/ Loans & REO 0.42 0.41 0.73 1.06 0.67
NPA & Loans 90+/ Tangible Common Equity + LLR 4.69 4.62 8.17 7.92 5.18
NCOs/ Avg Loans 0.02 0.16 0.15 0.57 (0.06)
Loan Loss Reserves/ Gross Loans 1.08 1.04 1.11 1.25 1.51
Reserves/ NPAs 260 251.12 154.47 136.40 236.76
Loan Loss Provision/ NCO NM 140.71 143.46 63.88 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 134,274 133,149 124,093 150,873 NA
Tier 1 Capital($000) 142,217 141,037 131,822 170,472 153,855
Tier 2 Capital($000) 67,539 66,064 65,053 64,688 NA
Total Capital($000) 209,756 207,101 196,875 235,160 169,563
Total Risk-weighted Assets($000) 1,729,840 1,701,159 1,602,460 1,382,169 1,305,309
Tier 1 Common Capital (CET1) Ratio(%) 7.76 7.83 7.74 10.92 NA
Tier 1 Ratio(%) 8.22 8.29 8.23 12.33 11.76
Total Capital Ratio(%) 12.13 12.17 12.29 17.01 13.02
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 7.06 7.07 6.85 10.85 10.07
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 13,759,712 13,699,066 13,534,375 13,433,801 13,346,346
Avg Diluted Shares(actual) 14,044,000 14,007,000 14,000,332 13,947,136 13,877,344
Basic Book Value per Share 13.30 13.18 12.47 12.12 11.32
As-reported Book Value per Share 13.30 13.18 12.47 12.12 10.85
Basic Tangible Book Value per Share 9.43 9.21 8.03 10.54 9.71
Reported: Tangible Book Value NA NA NA NA NA
Common Dividends Declared per Share 0.13 0.48 0.44 0.42 0.38
EPS after Extra 0.49 1.10 1 1.21 1.48
EPS after Extra Growth(%) 40 10 (17.40) (18.20) 0
Core EPS 0.56 1.79 1.64 1.48 1.67
Core EPS Growth(%) 26.90 9.30 10.50 (11.20) 1.70
Diluted EPS before Amortization 0.58 1.50 1.50 1.52 1.78
Pre-Provision Earnings per Share 0.57 1.77 1.43 1.36 1.35
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