Financial Highlights

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Select Period: Financial Charting
 2017 FQ3 YTD2016 FY2015 FY2014 FY2013 FY
Period Ended9/30/201712/31/201612/31/201512/31/201412/31/2013
Balance Sheet ($000)   
Total Assets2,374,7802,386,3982,462,2762,607,9362,602,514
Total Net Loans1,818,5151,835,0001,686,3081,670,9811,687,527
Total Deposits1,863,8201,841,3381,873,2592,000,7591,950,742
Equity Attributable to Parent Company352,637339,057343,017351,374328,606
Total Equity352,637339,057343,017351,374328,606
Profitability (%)   
Net Income ($000) 20,27225,12624,54025,49023,312
Net Income Attributable to Parent ($000) 20,27225,12624,54025,49023,312
ROAA1.141.020.970.980.88
Core ROAA1.181.070.971.040.93
ROAE7.787.427.057.446.56
ROATCE11.3111.1310.5311.5210.04
Core ROAE8.027.747.037.896.96
Net Interest Margin4.244.013.934.114.09
Reported: Net Interest Margin4.254.013.934.114.09
Efficiency Ratio57.9161.0462.9263.6760.16
Noninterest Inc / Operating Rev22.0324.0225.0025.1024.47
Balance Sheet Ratios (%)   
Loans / Deposits98.60100.6391.1084.4487.70
Securities / AssetsNA9.4118.2915.2320.73
Total Equity / Total Assets14.8514.2113.9313.4712.63
Tangible Equity / Tangible Assets11.0210.3410.079.778.83
Tang Common Equity / Tang Assets11.0210.3410.079.168.22
Asset Quality (%)   
NPAs / Assets1.291.421.491.221.49
NPA Excl Restructured / Assets0.950.880.920.661.02
NPAs & 90+ PD / Assets1.291.421.491.221.49
NPAs / Loans & REO1.701.882.252.012.47
Nonaccrual & 90+ & OREO / Assets0.950.880.920.661.02
NPAs & 90+ PD / Loans & REO1.701.882.252.012.47
NPA & Loans 90+ / Tangible Common Equity + LLR11.4013.3514.2412.7316.89
NCOs / Avg Loans0.070.210.140.180.68
Loan Loss Reserves / Gross Loans1.050.971.191.201.41
Reserves / NPAs62.5152.9255.1663.7562.23
Loan Loss Provision / NCO240.0935.46101.625.0279.29
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) NA241,671246,237234,687219,761
Tier 1 Capital ($000) NA256,671249,436264,838250,012
Tier 2 Capital ($000) NA18,28220,562NANA
Total Capital ($000) NA274,953269,998284,999270,636
Total Risk-weighted Assets ($000) NA1,741,3891,693,2281,612,0281,646,169
Tier 1 Common Capital (CET1) Ratio (%) 13.9013.8814.5414.5613.35
Tier 1 Ratio (%) 13.9014.7414.7316.4315.19
Total Capital Ratio (%) 14.9615.7915.9517.6816.44
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) 11.1811.0710.6210.129.95
Basel III Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 16,986,50216,994,20818,098,14118,406,21918,514,579
Avg Diluted Shares (actual) 17,076,95817,365,52418,727,46419,483,05420,961,800
Basic Book Value per Share20.7619.9518.9518.2716.92
As-reported Book Value per Share20.7619.9518.9518.0616.79
Basic Tangible Book Value per Share14.7413.8913.1112.4511.07
Reported: Tangible Book Value14.7413.8913.1112.5611.26
Common Dividends Declared per Share0.500.600.540.500.48
EPS after Extra1.191.451.311.311.11
EPS after Extra Growth (%) 11.2010.70018.00(20.7)
Core EPS1.231.511.311.391.18
Core EPS Growth (%) 4.5015.60(6.1)17.80(22.8)
Diluted EPS before Amortization1.241.521.371.351.15
Pre-Provision Earnings per Share1.241.491.281.321.37
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