Financial Highlights

Financial Highlights
2017 FQ3 YTD
9/30/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
2013 FY
12/31/2013
Balance Sheet ($000)
Total Assets 2,065,210 2,050,579 1,744,863 1,487,732 1,381,727
Total Net Loans 1,572,793 1,386,400 1,160,875 1,113,437 927,980
Total Deposits 1,599,939 1,785,209 1,458,021 1,262,168 1,182,603
Equity Attributable to Parent Company 182,140 168,785 182,821 171,086 153,311
Total Equity 182,140 168,785 182,821 171,086 153,311
Profitability (%)
Net Income($000) 14,466 14,031 17,108 20,770 20,537
Net Income Attributable to Parent($000) 14,466 14,031 17,108 20,770 20,537
ROAA 0.97 0.73 1.12 1.46 1.57
Core ROAA 1.16 1.19 1.36 1.64 1.74
ROAE 10.80 8.32 9.46 12.65 13.66
ROATCE 19.14 16.56 14.33 17.74 19.13
Core ROAE 12.95 13.60 11.55 14.24 15.13
Net Interest Margin 3.73 3.60 3.78 3.97 3.94
Reported: Net Interest Margin 3.73 3.63 3.81 3.97 3.94
Efficiency Ratio 75.41 77.33 76.48 72.99 70.63
Noninterest Inc/ Operating Rev 60.84 62.55 63.82 59.88 62.90
Balance Sheet Ratios (%)
Loans/ Deposits 97.14 76.57 77.29 86.79 77.33
Securities/ Assets 14.51 13.89 11.31 14.20 20.55
Total Equity/ Total Assets 8.82 8.23 10.48 11.50 11.10
Tangible Equity/ Tangible Assets 6.30 5.46 9.37 10.21 10.08
Tang Common Equity/ Tang Assets 6.30 5.46 8.21 8.84 8.61
Asset Quality (%)
NPAs/ Assets 0.34 0.49 0.62 0.48 0.32
NPA Excl Restructured/ Assets 0.31 0.46 0.60 0.41 0.25
NPAs & 90+ PD/ Assets 0.34 0.50 0.71 0.51 0.32
NPAs/ Loans & REO 0.44 0.72 0.92 0.64 0.48
Nonaccrual & 90+ & OREO/ Assets 0.31 0.47 0.69 0.44 0.25
NPAs & 90+ PD/ Loans & REO 0.44 0.73 1.06 0.67 0.48
NPA & Loans 90+/ Tangible Common Equity + LLR 4.92 8.17 7.92 5.18 3.33
NCOs/ Avg Loans 0.20 0.15 0.57 (0.06) (0.06)
Loan Loss Reserves/ Gross Loans 0.97 1.11 1.25 1.51 1.78
Reserves/ NPAs 220.09 154.47 136.40 236.76 375.60
Loan Loss Provision/ NCO 88.77 143.46 63.88 NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 132,860 124,093 150,873 NA 121,012
Tier 1 Capital($000) 140,710 131,822 170,472 153,855 141,011
Tier 2 Capital($000) 64,851 65,053 64,688 NA NA
Total Capital($000) 205,561 196,875 235,160 169,563 154,756
Total Risk-weighted Assets($000) 1,719,856 1,602,460 1,382,169 1,305,309 1,098,484
Tier 1 Common Capital (CET1) Ratio(%) 7.73 7.74 10.92 NA 11.02
Tier 1 Ratio(%) 8.18 8.23 12.33 11.76 12.84
Total Capital Ratio(%) 11.95 12.29 17.01 13.02 14.09
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 7.10 6.85 10.85 10.07 10.57
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 13,699,580 13,534,375 13,433,801 13,346,346 13,815,036
Avg Diluted Shares(actual) 14,001,000 14,000,332 13,947,136 13,877,344 13,762,044
Basic Book Value per Share 13.30 12.47 12.12 11.32 9.65
As-reported Book Value per Share 13.29 12.47 12.12 10.85 9.65
Basic Tangible Book Value per Share 9.23 8.03 10.54 9.71 8.51
Reported: Tangible Book Value NA NA NA NA NA
Common Dividends Declared per Share 0.36 0.44 0.42 0.38 0.34
EPS after Extra 1.03 1 1.21 1.48 1.48
EPS after Extra Growth(%) 71.70 (17.40) (18.20) 0 23.30
Core EPS 1.23 1.64 1.48 1.67 1.64
Core EPS Growth(%) 17.10 10.50 (11.20) 1.70 21.60
Diluted EPS before Amortization 1.35 1.50 1.52 1.78 1.72
Pre-Provision Earnings per Share 1.19 1.43 1.36 1.35 1.56
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.