Financial Highlights
2019 FQ1 YTD
3/31/2019
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 2,242,335 2,244,374 2,388,460 2,386,398 2,462,276
Total Net Loans 1,719,137 1,756,817 1,797,908 1,835,000 1,686,308
Total Deposits 1,878,437 1,855,750 1,929,891 1,841,338 1,873,259
Equity Attributable to Parent Company 333,102 332,857 350,714 339,057 343,017
Total Equity 333,102 332,857 350,714 339,057 343,017
Profitability (%)
Net Income($000) 9,631 36,340 21,485 25,126 24,540
Net Income Attributable to Parent($000) 9,631 36,340 21,485 25,126 24,540
ROAA 1.73 1.56 0.91 1.02 0.97
Core ROAA 1.53 1.59 1.22 1.07 0.97
ROAE 11.60 10.64 6.14 7.42 7.05
ROATCE 16.77 15.92 8.97 11.13 10.53
Core ROAE 10.24 10.88 8.25 7.74 7.03
Net Interest Margin 4.53 4.46 4.23 4.01 3.93
Reported: Net Interest Margin 4.60 4.46 4.23 4.01 3.93
Efficiency Ratio 57.37 54.87 56.75 60.50 62.41
Noninterest Inc/ Operating Rev 22.40 22.95 22.12 22.97 23.95
Balance Sheet Ratios (%)
Loans/ Deposits 92.49 95.65 94.16 100.63 91.10
Securities/ Assets 6.35 8.38 8.43 9.41 18.29
Total Equity/ Total Assets 14.86 14.83 14.68 14.21 13.93
Tangible Equity/ Tangible Assets 10.98 10.95 10.88 10.34 10.07
Tang Common Equity/ Tang Assets 10.98 10.95 10.88 10.34 10.07
Asset Quality (%)
NPAs/ Assets 1.29 1.33 1.22 1.42 1.49
NPA Excl Restructured/ Assets 1 1.04 0.90 0.88 0.92
NPAs & 90+ PD/ Assets 1.30 1.33 1.22 1.42 1.49
NPAs/ Loans & REO 1.68 1.69 1.63 1.88 2.25
Nonaccrual & 90+ & OREO/ Assets 1.01 1.04 0.90 0.88 0.92
NPAs & 90+ PD/ Loans & REO 1.69 1.70 1.63 1.88 2.25
NPA & Loans 90+/ Tangible Common Equity + LLR 11.46 11.79 10.87 13.35 14.24
NCOs/ Avg Loans 0.28 0.19 0.08 0.21 0.14
Loan Loss Reserves/ Gross Loans 1.05 1.03 1.06 0.97 1.19
Reserves/ NPAs 63.05 61.27 66.15 52.92 55.16
Loan Loss Provision/ NCO 98.07 70.34 192.03 35.46 101.62
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 236,312 236,544 251,052 241,671 246,237
Tier 1 Capital($000) 236,312 236,544 251,052 256,671 249,436
Tier 2 Capital($000) 18,309 18,333 19,342 18,282 20,562
Total Capital($000) 254,621 254,877 270,394 274,953 269,998
Total Risk-weighted Assets($000) 1,687,411 1,723,777 1,795,906 1,741,389 1,693,228
Tier 1 Common Capital (CET1) Ratio(%) 14 13.72 13.98 13.88 14.54
Tier 1 Ratio(%) 14 13.72 13.98 14.74 14.73
Total Capital Ratio(%) 15.09 14.79 15.06 15.79 15.95
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.10 10.95 11.06 11.07 10.62
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 15,818,368 16,007,263 16,998,226 16,994,208 18,098,141
Avg Diluted Shares(actual) 15,920,950 16,666,385 17,077,842 17,365,524 18,727,464
Basic Book Value per Share 21.06 20.79 20.63 19.95 18.95
Book Value per Share, As Reported 21.06 20.79 20.63 19.95 18.95
Basic Tangible Book Value per Share 14.89 14.69 14.64 13.89 13.11
Tangible Book Value per Share, As Reported 14.89 14.69 14.64 13.89 13.11
Common Dividends Declared per Share 0.21 1.26 0.68 0.60 0.54
EPS after Extra 0.60 2.18 1.26 1.45 1.31
EPS after Extra Growth(%) 15.40 73 (13.10) 10.70 0
Core EPS 0.53 2.23 1.69 1.51 1.31
Core EPS Growth(%) (0.50) 31.70 12 15.60 (6.10)
Diluted EPS before Amortization 0.62 2.33 1.32 1.52 1.37
Pre-Provision Earnings per Share 0.58 2.28 1.72 1.49 1.28
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