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 2,228,311 2,179,070 2,136,081 2,050,045 1,744,324
Total Net Loans 1,729,124 1,726,193 1,575,848 1,386,400 1,160,875
Total Deposits 1,833,113 1,799,293 1,834,962 1,785,209 1,458,021
Equity Attributable to Parent Company 281,403 162,460 148,103 139,216 182,282
Total Equity 281,403 162,460 148,103 139,216 182,282
Profitability (%)
Net Income($000) 21,888 25,866 15,001 14,036 17,010
Net Income Attributable to Parent($000) 21,888 25,866 15,001 14,036 17,010
ROAA 1.34 1.21 0.75 0.72 1.11
Core ROAA 1.37 1.38 1.23 1.19 1.36
ROAE 13.71 13.81 8.49 8.35 9.55
ROATCE NA NA 15.59 17.06 14.56
Core ROAE 14.05 15.73 13.96 13.66 11.68
Net Interest Margin 3.71 3.86 3.76 3.64 3.81
Reported: Net Interest Margin 3.72 3.86 3.76 3.63 3.81
Efficiency Ratio 74.33 73.84 73.80 76.96 76.32
Noninterest Inc/ Operating Rev 59.45 57.71 60.36 62.55 63.79
Balance Sheet Ratios (%)
Loans/ Deposits 91.98 96.36 85.80 76.57 77.29
Securities/ Assets 12.89 12.13 13.17 13.89 11.32
Total Equity/ Total Assets 12.63 7.46 6.93 6.79 10.45
Tangible Equity/ Tangible Assets 10.76 NA 4.50 3.98 9.34
Tang Common Equity/ Tang Assets 10.76 NA 4.50 3.98 8.18
Asset Quality (%)
NPAs/ Assets NA 0.37 0.31 0.49 0.62
NPA Excl Restructured/ Assets 0.23 0.33 0.30 0.47 0.60
NPAs & 90+ PD/ Assets NA 0.37 0.31 0.50 0.71
NPAs/ Loans & REO NA 0.46 0.41 0.72 0.92
Nonaccrual & 90+ & OREO/ Assets 0.23 0.33 0.30 0.47 0.69
NPAs & 90+ PD/ Loans & REO NA 0.46 0.41 0.73 1.06
NPA & Loans 90+/ Tangible Common Equity + LLR NA NA 5.98 10.72 7.95
NCOs/ Avg Loans 0.36 0.18 0.16 0.15 0.57
Loan Loss Reserves/ Gross Loans 1.31 1.27 1.04 1.11 1.25
Reserves/ NPAs NA 277.52 251.12 154.47 136.40
Loan Loss Provision/ NCO 117.22 287 140.71 143.46 63.88
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 233,030 151,350 133,149 124,093 150,873
Tier 1 Capital($000) 241,197 159,378 141,037 131,822 170,472
Tier 2 Capital($000) 72,503 71,737 66,064 65,053 64,688
Total Capital($000) 313,700 231,115 207,101 196,875 235,160
Total Risk-weighted Assets($000) 1,882,310 1,795,374 1,701,159 1,602,460 1,382,169
Tier 1 Common Capital (CET1) Ratio(%) 12.38 8.43 7.83 7.74 10.92
Tier 1 Ratio(%) 12.81 8.87 8.29 8.23 12.33
Total Capital Ratio(%) 16.67 12.86 12.17 12.29 17.01
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.33 7.51 7.07 6.85 10.85
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 17,049,493 13,775,327 13,699,066 13,534,375 13,433,801
Avg Diluted Shares(actual) 14,317,000 14,063,000 14,007,000 14,000,332 13,947,136
Basic Book Value per Share 16.51 11.79 10.81 10.29 12.08
Book Value per Share, As Reported NA 14.30 13.11 12.47 12.12
Basic Tangible Book Value per Share 13.77 NA 6.84 5.85 10.50
Tangible Book Value per Share, As Reported 13.77 10.68 NA NA NA
Common Dividends Declared per Share 0.42 0.53 0.48 0.44 0.42
EPS after Extra 1.49 1.84 1.07 1 1.21
EPS after Extra Growth(%) 5.70 72 7 (17.40) (18.20)
Core EPS 1.53 2.10 1.76 1.64 1.48
Core EPS Growth(%) (4.80) 19.10 7.50 10.40 (11.10)
Diluted EPS before Amortization 1.71 2.17 1.47 1.50 1.52
Pre-Provision Earnings per Share 1.74 2.34 1.76 1.43 1.36
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