Financial Highlights
2018 FQ1 YTD
3/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
Balance Sheet ($000)
Total Assets 2,428,307 2,388,460 2,386,398 2,462,276 2,607,936
Total Net Loans 1,773,609 1,797,908 1,835,000 1,686,308 1,670,981
Total Deposits 1,980,619 1,929,891 1,841,338 1,873,259 2,000,759
Equity Attributable to Parent Company 342,037 350,714 339,057 343,017 351,374
Total Equity 342,037 350,714 339,057 343,017 351,374
Profitability (%)
Net Income($000) 8,868 21,485 25,126 24,540 25,490
Net Income Attributable to Parent($000) 8,868 21,485 25,126 24,540 25,490
ROAA 1.50 0.91 1.02 0.97 0.98
Core ROAA 1.53 1.22 1.07 0.97 1.04
ROAE 10.16 6.14 7.42 7.05 7.44
ROATCE 14.67 8.97 11.13 10.53 11.52
Core ROAE 10.39 8.25 7.74 7.03 7.89
Net Interest Margin 4.32 4.23 4.01 3.93 4.11
Reported: Net Interest Margin 4.38 4.23 4.01 3.93 4.11
Efficiency Ratio 56.22 57.38 61.04 62.92 63.67
Noninterest Inc/ Operating Rev 22.36 23.27 24.02 25 25.10
Balance Sheet Ratios (%)
Loans/ Deposits 90.53 94.16 100.63 91.10 84.44
Securities/ Assets 8.24 8.43 9.41 18.29 15.23
Total Equity/ Total Assets 14.09 14.68 14.21 13.93 13.47
Tangible Equity/ Tangible Assets 10.33 10.88 10.34 10.07 9.77
Tang Common Equity/ Tang Assets 10.33 10.88 10.34 10.07 9.16
Asset Quality (%)
NPAs/ Assets 1.38 1.22 1.42 1.49 1.22
NPA Excl Restructured/ Assets 1.08 0.90 0.88 0.92 0.66
NPAs & 90+ PD/ Assets 1.38 1.22 1.42 1.49 1.22
NPAs/ Loans & REO 1.89 1.63 1.88 2.25 2.01
Nonaccrual & 90+ & OREO/ Assets 1.08 0.90 0.88 0.92 0.66
NPAs & 90+ PD/ Loans & REO 1.90 1.63 1.88 2.25 2.01
NPA & Loans 90+/ Tangible Common Equity + LLR 12.93 10.87 13.35 14.24 12.73
NCOs/ Avg Loans 0.06 0.08 0.21 0.14 0.18
Loan Loss Reserves/ Gross Loans 1.09 1.06 0.97 1.19 1.20
Reserves/ NPAs 58.09 66.15 52.92 55.16 63.75
Loan Loss Provision/ NCO 182.66 192.03 35.46 101.62 5.02
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 243,110 251,052 241,671 246,237 234,687
Tier 1 Capital($000) 243,110 251,052 256,671 249,436 264,838
Tier 2 Capital($000) 19,566 19,342 18,282 20,562 NA
Total Capital($000) 262,676 270,394 274,953 269,998 284,999
Total Risk-weighted Assets($000) 1,786,930 1,795,906 1,741,389 1,693,228 1,612,028
Tier 1 Common Capital (CET1) Ratio(%) 13.60 13.98 13.88 14.54 14.56
Tier 1 Ratio(%) 13.60 13.98 14.74 14.73 16.43
Total Capital Ratio(%) 14.70 15.06 15.79 15.95 17.68
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.73 11.06 11.07 10.62 10.12
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 16,847,452 16,998,226 16,994,208 18,098,141 18,406,219
Avg Diluted Shares(actual) 17,047,638 17,077,842 17,365,524 18,727,464 19,483,054
Basic Book Value per Share 20.30 20.63 19.95 18.95 18.27
As-reported Book Value per Share 20.30 20.63 19.95 18.95 18.06
Basic Tangible Book Value per Share 14.27 14.64 13.89 13.11 12.45
Reported: Tangible Book Value 14.27 14.64 13.89 13.11 12.56
Common Dividends Declared per Share 0.66 0.68 0.60 0.54 0.50
EPS after Extra 0.52 1.26 1.45 1.31 1.31
EPS after Extra Growth(%) 44.40 (13.10) 10.70 0 18
Core EPS 0.53 1.69 1.51 1.31 1.39
Core EPS Growth(%) 43.90 12 15.60 (6.10) 17.80
Diluted EPS before Amortization 0.54 1.32 1.52 1.37 1.35
Pre-Provision Earnings per Share 0.55 1.72 1.49 1.28 1.32
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