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 2,207,129 2,179,070 2,136,081 2,050,045 1,744,324
Total Net Loans 1,736,822 1,726,193 1,575,848 1,386,400 1,160,875
Total Deposits 1,753,365 1,799,293 1,834,962 1,785,209 1,458,021
Equity Attributable to Parent Company 213,765 196,954 179,594 168,251 182,282
Total Equity 213,765 196,954 179,594 168,251 182,282
Profitability (%)
Net Income($000) 14,784 25,866 15,001 14,036 17,010
Net Income Attributable to Parent($000) 14,784 25,866 15,001 14,036 17,010
ROAA 1.34 1.21 0.75 0.73 1.11
Core ROAA NA 1.38 1.23 1.19 1.36
ROAE 14.37 13.76 8.49 8.32 9.40
ROATCE 20.94 21.74 15.59 16.57 14.26
Core ROAE NA 15.68 13.96 13.61 11.49
Net Interest Margin 3.71 3.86 3.76 3.60 3.78
Reported: Net Interest Margin 3.74 3.86 3.76 3.63 3.81
Efficiency Ratio 71.97 73.84 73.79 77.33 76.56
Noninterest Inc/ Operating Rev 59.54 57.71 60.36 62.55 63.79
Balance Sheet Ratios (%)
Loans/ Deposits 97.72 96.36 85.80 76.57 77.29
Securities/ Assets NA 12.13 13.17 13.89 11.32
Total Equity/ Total Assets 9.69 9.04 8.41 8.21 10.45
Tangible Equity/ Tangible Assets 7.69 6.91 6.01 5.44 9.34
Tang Common Equity/ Tang Assets 7.69 6.91 6.01 5.44 8.18
Asset Quality (%)
NPAs/ Assets NA 0.34 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 0.34 0.31 0.50 0.71
NPAs/ Loans & REO NA 0.42 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 0.42 0.41 0.73 1.06
NPA & Loans 90+/ Tangible Common Equity + LLR NA 4.35 4.65 8.20 7.95
NCOs/ Avg Loans 0.56 0.18 0.16 0.15 0.57
Loan Loss Reserves/ Gross Loans 1.21 1.27 1.04 1.11 1.25
Reserves/ NPAs NA 300.99 251.12 154.47 136.40
Loan Loss Provision/ NCO 81.23 287 140.71 143.46 63.88
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 165,840 151,350 133,149 124,093 150,873
Tier 1 Capital($000) 173,978 159,378 141,037 131,822 170,472
Tier 2 Capital($000) 70,840 71,737 66,064 65,053 64,688
Total Capital($000) 244,818 231,115 207,101 196,875 235,160
Total Risk-weighted Assets($000) 1,863,371 1,795,374 1,701,159 1,602,460 1,382,169
Tier 1 Common Capital (CET1) Ratio(%) 8.90 8.43 7.83 7.74 10.92
Tier 1 Ratio(%) 9.34 8.87 8.29 8.23 12.33
Total Capital Ratio(%) 13.14 12.86 12.17 12.29 17.01
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.08 7.51 7.07 6.85 10.85
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 13,816,000 13,775,327 13,699,066 13,534,375 13,433,801
Avg Diluted Shares(actual) 14,089,000 14,063,000 14,007,000 14,000,332 13,947,136
Basic Book Value per Share 15.47 14.30 13.11 12.43 12.08
Book Value per Share, As Reported 15.47 14.30 13.11 12.47 12.12
Basic Tangible Book Value per Share 12.02 10.68 9.14 7.99 10.50
Tangible Book Value per Share, As Reported NA NA NA NA NA
Common Dividends Declared per Share 0.28 0.53 0.48 0.44 0.42
EPS after Extra 1.05 1.84 1.07 1 1.21
EPS after Extra Growth(%) 18 72 7 (17.40) (18.20)
Core EPS NA 2.10 1.76 1.64 1.48
Core EPS Growth(%) NA 19.10 7.50 10.40 (11.10)
Diluted EPS before Amortization 1.20 2.17 1.47 1.50 1.52
Pre-Provision Earnings per Share 1.33 2.34 1.76 1.43 1.36
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