Investor Relations

Financial Highlights

Financial Highlights
2019 FQ3 YTD
9/30/2019
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 6,161,269 5,462,092 5,108,442 4,426,348 4,015,909
Total Net Loans 5,104,945 4,506,138 4,164,553 3,528,093 3,072,435
Total Deposits 4,751,234 4,092,092 3,795,128 3,344,271 2,790,966
Equity Attributable to Parent Company 720,160 613,927 565,437 531,032 477,344
Total Equity 720,160 613,927 565,437 531,032 477,344
Profitability (%)
Net Income($000) 52,612 60,352 43,220 31,082 41,311
Net Income Attributable to Parent($000) 52,612 60,352 43,220 31,082 41,311
ROAA 1.17 1.17 0.93 0.73 1.13
Core ROAA 1.37 1.19 1.04 0.68 1.08
ROAE 10.07 10.29 7.81 6.30 8.84
ROATCE 13.32 13.84 10.76 9.20 13.62
Core ROAE 11.80 10.45 8.69 5.85 8.45
Net Interest Margin 3.35 3.28 3.45 3.38 3.55
Reported: Net Interest Margin 3.36 3.28 3.45 3.38 3.55
Efficiency Ratio 40.07 41.70 50.57 41.80 41.53
Noninterest Inc/ Operating Rev 3.96 3.52 4.17 4.19 4.11
Balance Sheet Ratios (%)
Loans/ Deposits 107.56 110.97 109.92 103.93 111.04
Securities/ Assets 7.55 8.32 9.18 8.53 11.27
Total Equity/ Total Assets 11.69 11.24 11.07 12 11.89
Tangible Equity/ Tangible Assets 9.21 8.77 8.41 8.93 8.47
Tang Common Equity/ Tang Assets 9.21 8.77 8.41 8.93 8.18
Asset Quality (%)
NPAs/ Assets 1.17 1.15 1.59 1.87 2.72
NPA Excl Restructured/ Assets 0.85 0.95 1.29 1.57 0.58
NPAs & 90+ PD/ Assets 1.22 1.18 1.62 1.99 2.72
NPAs/ Loans & REO 1.40 1.39 1.93 2.33 3.52
Nonaccrual & 90+ & OREO/ Assets 0.90 0.98 1.33 1.69 0.58
NPAs & 90+ PD/ Loans & REO 1.46 1.42 1.97 2.48 3.52
NPA & Loans 90+/ Tangible Common Equity + LLR 12.70 12.90 18.43 21.59 31.85
NCOs/ Avg Loans 0.10 0.41 0 1.18 0.01
Loan Loss Reserves/ Gross Loans 0.75 0.77 0.76 0.72 0.86
Reserves/ NPAs 53.92 55.46 39.16 31.11 24.33
Loan Loss Provision/ NCO 200.90 117.92 NM 97.91 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 546,920 473,721 420,252 385,050 323,139
Tier 1 Capital($000) 552,075 478,876 425,407 390,205 339,544
Tier 2 Capital($000) 163,771 159,954 81,748 75,744 76,572
Total Capital($000) 715,846 638,830 507,155 465,949 416,116
Total Risk-weighted Assets($000) 5,593,827 4,857,438 4,594,274 3,954,821 3,535,070
Tier 1 Common Capital (CET1) Ratio(%) 9.78 9.75 9.15 9.74 9.14
Tier 1 Ratio(%) 9.87 9.86 9.26 9.87 9.61
Total Capital Ratio(%) 12.80 13.15 11.04 11.78 11.77
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.39 9.34 8.92 9.29 9.07
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 35,364,845 32,328,542 32,071,860 31,948,307 30,082,065
Avg Diluted Shares(actual) 35,334,000 32,357,000 32,237,000 30,690,000 30,283,966
Basic Book Value per Share 20.36 18.99 17.63 16.62 15.49
Book Value per Share, As Reported 20.36 18.99 17.63 16.62 15.49
Basic Tangible Book Value per Share 15.60 14.42 13.01 11.96 10.51
Tangible Book Value per Share, As Reported 15.60 14.42 13.01 11.96 10.51
Common Dividends Declared per Share 0.27 0.30 0.30 0.30 0.38
EPS after Extra 1.48 1.86 1.34 1.01 1.36
EPS after Extra Growth(%) 14.70 38.80 32.70 (25.70) 72.20
Core EPS 1.74 1.89 1.49 0.94 1.30
Core EPS Growth(%) 31.50 26.70 59.10 (27.80) 2.70
Diluted EPS before Amortization 1.51 1.88 1.36 1.04 1.39
Pre-Provision Earnings per Share 1.89 2.29 1.46 1.64 1.50
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.