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Custom Periods
Select Period
Last Four Years & YTD
Last Four Years & LTM
Last Five Years
Last Five Quarters/Interims
Quarterly Analysis
Annual Analysis
Custom Period
irwSelectedPeriod
Quarters
Years
Half Yrs
LTM
YTD
irwQ
2017 FQ4
2017 FQ3
2017 FQ2
2017 FQ1
2016 FQ4
2016 FQ3
2016 FQ2
2016 FQ1
2015 FQ4
2015 FQ3
2015 FQ2
2015 FQ1
2014 FQ4
2014 FQ3
2014 FQ2
2014 FQ1
2013 FQ4
2013 FQ3
2013 FQ2
2013 FQ1
2012 FQ4
2012 FQ3
2012 FQ2
2012 FQ1
2011 FQ4
2011 FQ3
2011 FQ2
2011 FQ1
2010 FQ4
2010 FQ3
2010 FQ2
2010 FQ1
2009 FQ4
2009 FQ3
2009 FQ2
2009 FQ1
2008 FQ4
2008 FQ3
2008 FQ2
2008 FQ1
irwY
2017 FY
2016 FY
2015 FY
2014 FY
2013 FY
2012 FY
2011 FY
2010 FY
2009 FY
2008 FY
irwHY
2017 FH2
2017 FH1
2016 FH2
2016 FH1
2015 FH2
2015 FH1
2014 FH2
2014 FH1
2013 FH2
2013 FH1
2012 FH2
2012 FH1
2011 FH2
2011 FH1
2010 FH2
2010 FH1
2009 FH2
2009 FH1
2008 FH2
2008 FH1
irwLTM
2017 FQ4 LTM
2017 FQ3 LTM
2017 FQ2 LTM
2017 FQ1 LTM
2016 FQ4 LTM
2016 FQ3 LTM
2016 FQ2 LTM
2016 FQ1 LTM
2015 FQ4 LTM
2015 FQ3 LTM
2015 FQ2 LTM
2015 FQ1 LTM
2014 FQ4 LTM
2014 FQ3 LTM
2014 FQ2 LTM
2014 FQ1 LTM
2013 FQ4 LTM
2013 FQ3 LTM
2013 FQ2 LTM
2013 FQ1 LTM
2012 FQ4 LTM
2012 FQ3 LTM
2012 FQ2 LTM
2012 FQ1 LTM
2011 FQ4 LTM
2011 FQ3 LTM
2011 FQ2 LTM
2011 FQ1 LTM
2010 FQ4 LTM
2010 FQ3 LTM
2010 FQ2 LTM
2010 FQ1 LTM
2009 FQ4 LTM
2009 FQ3 LTM
2009 FQ2 LTM
2009 FQ1 LTM
2008 FQ4 LTM
2008 FQ3 LTM
2008 FQ2 LTM
2008 FQ1 LTM
YTD
2017 FQ4 YTD
2017 FQ3 YTD
2017 FQ2 YTD
2017 FQ1 YTD
2016 FQ4 YTD
2016 FQ3 YTD
2016 FQ2 YTD
2016 FQ1 YTD
2015 FQ4 YTD
2015 FQ3 YTD
2015 FQ2 YTD
2015 FQ1 YTD
2014 FQ4 YTD
2014 FQ3 YTD
2014 FQ2 YTD
2014 FQ1 YTD
2013 FQ4 YTD
2013 FQ3 YTD
2013 FQ2 YTD
2013 FQ1 YTD
2012 FQ4 YTD
2012 FQ3 YTD
2012 FQ2 YTD
2012 FQ1 YTD
2011 FQ4 YTD
2011 FQ3 YTD
2011 FQ2 YTD
2011 FQ1 YTD
2010 FQ4 YTD
2010 FQ3 YTD
2010 FQ2 YTD
2010 FQ1 YTD
2009 FQ4 YTD
2009 FQ3 YTD
2009 FQ2 YTD
2009 FQ1 YTD
2008 FQ4 YTD
2008 FQ3 YTD
2008 FQ2 YTD
2008 FQ1 YTD
irwSelectedCustomPeriods
2017 FQ4 YTD
2017 FY
2016 FY
2015 FY
2014 FY
Update
Latest On:
Left
Right
Period Ended
2017 FY
12/31/2017
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
2,388,460
2,386,398
2,462,276
2,607,936
2,602,514
Total Net Loans
1,797,908
1,835,000
1,686,308
1,670,981
1,687,527
Total Deposits
1,929,891
1,841,338
1,873,259
2,000,759
1,950,742
Equity Attributable to Parent Company
350,714
339,057
343,017
351,374
328,606
Total Equity
350,714
339,057
343,017
351,374
328,606
Profitability (%)
Net Income($000)
21,485
25,126
24,540
25,490
23,312
Net Income Attributable to Parent($000)
21,485
25,126
24,540
25,490
23,312
ROAA
0.91
1.02
0.97
0.98
0.88
Core ROAA
0.94
1.07
0.97
1.04
0.93
ROAE
6.14
7.42
7.05
7.44
6.56
ROATCE
8.97
11.13
10.53
11.52
10.04
Core ROAE
6.38
7.74
7.03
7.89
6.96
Net Interest Margin
4.23
4.01
3.93
4.11
4.09
Reported: Net Interest Margin
4.23
4.01
3.93
4.11
4.09
Efficiency Ratio
57.38
61.04
62.92
63.67
60.16
Noninterest Inc/ Operating Rev
23.27
24.02
25
25.10
24.47
Balance Sheet Ratios (%)
Loans/ Deposits
94.16
100.63
91.10
84.44
87.70
Securities/ Assets
8.43
9.41
18.29
15.23
20.73
Total Equity/ Total Assets
14.68
14.21
13.93
13.47
12.63
Tangible Equity/ Tangible Assets
10.88
10.34
10.07
9.77
8.83
Tang Common Equity/ Tang Assets
10.88
10.34
10.07
9.16
8.22
Asset Quality (%)
NPAs/ Assets
1.22
1.42
1.49
1.22
1.49
NPA Excl Restructured/ Assets
0.90
0.88
0.92
0.66
1.02
NPAs & 90+ PD/ Assets
1.22
1.42
1.49
1.22
1.49
NPAs/ Loans & REO
1.63
1.88
2.25
2.01
2.47
Nonaccrual & 90+ & OREO/ Assets
0.90
0.88
0.92
0.66
1.02
NPAs & 90+ PD/ Loans & REO
1.63
1.88
2.25
2.01
2.47
NPA & Loans 90+/ Tangible Common Equity + LLR
10.87
13.35
14.24
12.73
16.89
NCOs/ Avg Loans
0.08
0.21
0.14
0.18
0.68
Loan Loss Reserves/ Gross Loans
1.06
0.97
1.19
1.20
1.41
Reserves/ NPAs
66.15
52.92
55.16
63.75
62.23
Loan Loss Provision/ NCO
192.03
35.46
101.62
5.02
79.29
Capital Adequacy
Tier 1 Common Capital (CET1)($000)
251,052
241,671
246,237
234,687
219,761
Tier 1 Capital($000)
251,052
256,671
249,436
264,838
250,012
Tier 2 Capital($000)
19,342
18,282
20,562
NA
NA
Total Capital($000)
270,394
274,953
269,998
284,999
270,636
Total Risk-weighted Assets($000)
1,795,906
1,741,389
1,693,228
1,612,028
1,646,169
Tier 1 Common Capital (CET1) Ratio(%)
13.98
13.88
14.54
14.56
13.35
Tier 1 Ratio(%)
13.98
14.74
14.73
16.43
15.19
Total Capital Ratio(%)
15.06
15.79
15.95
17.68
16.44
Liquidity Coverage Ratio(%)
NA
NA
NA
NA
NA
Leverage Ratio(%)
11.06
11.07
10.62
10.12
9.95
Basel III Leverage Ratio(%)
NA
NA
NA
NA
NA
Per Share Information ($)
Common Shares Outstanding(actual)
16,998,226
16,994,208
18,098,141
18,406,219
18,514,579
Avg Diluted Shares(actual)
17,077,842
17,365,524
18,727,464
19,483,054
20,961,800
Basic Book Value per Share
20.63
19.95
18.95
18.27
16.92
As-reported Book Value per Share
20.63
19.95
18.95
18.06
16.79
Basic Tangible Book Value per Share
14.64
13.89
13.11
12.45
11.07
Reported: Tangible Book Value
14.64
13.89
13.11
12.56
11.26
Common Dividends Declared per Share
0.68
0.60
0.54
0.50
0.48
EPS after Extra
1.26
1.45
1.31
1.31
1.11
EPS after Extra Growth(%)
(13.10)
10.70
0
18
(20.70)
Core EPS
1.31
1.51
1.31
1.39
1.18
Core EPS Growth(%)
(13.50)
15.60
(6.10)
17.80
(22.80)
Diluted EPS before Amortization
1.32
1.52
1.37
1.35
1.15
Pre-Provision Earnings per Share
1.72
1.49
1.28
1.32
1.37
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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