Financial Highlights

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Select Period: Financial Charting
 2016 FY2015 FY2014 FY2013 FY2012 FY
Period Ended12/31/201612/31/201512/31/201412/31/201312/31/2012
Balance Sheet ($000)   
Total Assets2,386,3982,462,2762,607,9362,602,5142,728,867
Total Net Loans1,835,0001,686,3081,670,9811,687,5271,705,555
Total Deposits1,841,3381,873,2592,000,7591,950,7422,030,175
Equity Attributable to Parent Company339,057343,017351,374328,606356,323
Total Equity339,057343,017351,374328,606356,323
Profitability (%)   
Net Income ($000) 25,12624,54025,49023,31228,577
Net Income Attributable to Parent ($000) 25,12624,54025,49023,31228,577
ROAA1.020.970.980.881.14
Core ROAA1.070.971.040.931.24
ROAE7.427.057.446.568.53
ROATCE11.1310.5311.5210.0412.97
Core ROAE7.747.037.896.969.30
Net Interest Margin4.013.934.114.094.23
Reported: Net Interest Margin4.013.934.114.094.23
Efficiency Ratio61.0462.9263.6760.1654.99
Noninterest Inc / Operating Rev24.0225.0025.1024.4727.29
Balance Sheet Ratios (%)   
Loans / Deposits100.6391.1084.4487.7084.95
Securities / Assets9.4118.2915.2320.7320.33
Total Equity / Total Assets14.2113.9313.4712.6313.06
Tangible Equity / Tangible Assets10.3410.079.778.839.46
Tang Common Equity / Tang Assets10.3410.079.168.228.80
Asset Quality (%)   
NPAs / Assets1.421.491.221.491.53
NPA Excl Restructured / Assets0.880.920.661.021.09
NPAs & 90+ PD / Assets1.421.491.221.491.53
NPAs / Loans & REO1.882.252.012.472.73
Nonaccrual & 90+ & OREO / Assets0.880.920.661.021.09
NPAs & 90+ PD / Loans & REO1.882.252.012.472.73
NPA & Loans 90+ / Tangible Common Equity + LLR13.3514.2412.7316.8916.28
NCOs / Avg Loans0.210.140.180.680.42
Loan Loss Reserves / Gross Loans0.971.191.201.411.49
Reserves / NPAs52.9255.1663.7562.2361.76
Loan Loss Provision / NCO35.46101.625.0279.2992.88
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) 241,671246,237234,687219,761229,046
Tier 1 Capital ($000) 256,671249,436264,838250,012261,467
Tier 2 Capital ($000) 18,28220,562NANANA
Total Capital ($000) 274,953269,998284,999270,636282,729
Total Risk-weighted Assets ($000) 1,741,3891,693,2281,612,0281,646,1691,690,661
Tier 1 Common Capital (CET1) Ratio (%) 13.8814.5414.5613.3513.55
Tier 1 Ratio (%) 14.7414.7316.4315.1915.44
Total Capital Ratio (%) 15.7915.9517.6816.4416.70
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) 11.0710.6210.129.959.96
Supplementary Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 16,994,20818,098,14118,406,21918,514,57920,053,466
Avg Diluted Shares (actual) 17,365,52418,727,46419,483,05420,961,80020,419,569
Basic Book Value per Share19.9518.9518.2716.9216.90
As-reported Book Value per Share19.9518.9518.0616.7916.76
Basic Tangible Book Value per Share13.8913.1112.4511.0711.49
Reported: Tangible Book Value13.8913.1112.5611.2611.66
Common Dividends Declared per Share0.600.540.500.480.43
EPS after Extra1.451.311.311.111.40
EPS after Extra Growth (%) 10.70018.00(20.7)30.80
Core EPS1.511.311.391.181.53
Core EPS Growth (%) 15.60(6.1)17.80(22.8)47.00
Diluted EPS before Amortization1.521.371.351.151.44
Pre-Provision Earnings per Share1.491.281.321.371.65
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