Investor Relations

Financial Highlights

Financial Highlights
2018 FQ2 YTD
6/30/2018
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 5,275,368 5,108,442 4,426,348 4,015,909 3,448,572
Total Net Loans 4,327,260 4,164,553 3,528,093 3,072,435 2,524,481
Total Deposits 3,905,410 3,795,128 3,344,271 2,790,966 2,475,607
Equity Attributable to Parent Company 578,557 565,437 531,032 477,344 446,219
Total Equity 578,557 565,437 531,032 477,344 446,219
Profitability (%)
Net Income($000) 21,778 43,220 31,082 41,311 18,565
Net Income Attributable to Parent($000) 21,778 43,220 31,082 41,311 18,565
ROAA 0.85 0.93 0.73 1.13 0.74
Core ROAA 0.87 1.04 0.68 1.08 1.17
ROAE 7.57 7.81 6.30 8.84 5.95
ROATCE 10.30 10.76 9.20 13.62 8.01
Core ROAE 7.71 8.69 5.85 8.45 9.48
Net Interest Margin 3.26 3.45 3.38 3.55 3.57
Reported: Net Interest Margin 3.29 3.45 3.38 3.55 3.57
Efficiency Ratio 41.73 50.57 41.80 41.53 40.44
Noninterest Inc/ Operating Rev 3.50 4.17 4.19 4.11 5.57
Balance Sheet Ratios (%)
Loans/ Deposits 111.66 109.92 103.93 111.04 102.55
Securities/ Assets 8.42 9.18 8.53 11.27 15.59
Total Equity/ Total Assets 10.97 11.07 12 11.89 12.94
Tangible Equity/ Tangible Assets 8.40 8.41 8.93 8.47 8.96
Tang Common Equity/ Tang Assets 8.40 8.41 8.93 8.18 8.62
Asset Quality (%)
NPAs/ Assets 1.21 1.59 1.87 2.72 0.42
NPA Excl Restructured/ Assets 0.96 1.29 1.57 0.58 0.37
NPAs & 90+ PD/ Assets 1.21 1.62 1.99 2.72 0.42
NPAs/ Loans & REO 1.46 1.93 2.33 3.52 0.57
Nonaccrual & 90+ & OREO/ Assets 0.97 1.33 1.69 0.58 0.37
NPAs & 90+ PD/ Loans & REO 1.47 1.97 2.48 3.52 0.57
NPA & Loans 90+/ Tangible Common Equity + LLR 13.80 18.43 21.59 31.85 4.85
NCOs/ Avg Loans 0.80 0 1.18 0.01 0.05
Loan Loss Reserves/ Gross Loans 0.77 0.76 0.72 0.86 0.56
Reserves/ NPAs 52.81 39.16 31.11 24.33 97.79
Loan Loss Provision/ NCO 110.82 NM 97.91 NM 547.08
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 437,919 420,252 385,050 323,139 285,188
Tier 1 Capital($000) 443,074 425,407 390,205 339,544 301,593
Tier 2 Capital($000) 158,594 81,748 75,744 76,572 NA
Total Capital($000) 601,668 507,155 465,949 416,116 315,963
Total Risk-weighted Assets($000) 4,695,714 4,594,274 3,954,821 3,535,070 2,894,857
Tier 1 Common Capital (CET1) Ratio(%) 9.33 9.15 9.74 9.14 9.85
Tier 1 Ratio(%) 9.44 9.26 9.87 9.61 10.44
Total Capital Ratio(%) 12.81 11.04 11.78 11.77 10.94
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.93 8.92 9.29 9.07 9.37
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 32,184,047 32,071,860 31,948,307 30,082,065 29,694,636
Avg Diluted Shares(actual) 32,276,000 32,237,000 30,690,000 30,283,966 23,479,074
Basic Book Value per Share 17.98 17.63 16.62 15.49 14.65
As-reported Book Value per Share 17.98 17.63 16.62 15.49 14.65
Basic Tangible Book Value per Share 13.38 13.01 11.96 10.51 9.57
Reported: Tangible Book Value 13.38 13.01 11.96 10.51 9.57
Common Dividends Declared per Share 0.15 0.30 0.30 0.38 0.23
EPS after Extra 0.67 1.34 1.01 1.36 0.79
EPS after Extra Growth(%) 11.70 32.70 (25.70) 72.20 (34.70)
Core EPS 0.68 1.49 0.94 1.30 1.26
Core EPS Growth(%) 18.50 59.10 (27.80) 2.70 11.70
Diluted EPS before Amortization 0.68 1.36 1.04 1.39 0.81
Pre-Provision Earnings per Share 1.12 1.46 1.64 1.50 1.35
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.