Balance Sheet
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Financial Highlights
12/31/2015
12/31/2016
3/31/2017
12/31/2017
Assets ($000)
Cash and Due from Banks 88,371 127,073 112,604 129,807
Fed Funds Sold 0 0 0 0
Deposits at Financial Institutions 75,993 20,162 25,988 24,019
Securities Purchased, to Resell 0 0 0 0
Other Cash & Cash Equivalents 0 0 0 0
Cash and Cash Equivalents 164,364 147,235 138,592 153,826
Trading Account Securities 0 0 0 0
Available for Sale Securities 698,296 516,964 548,010 578,804
Held to Maturity Securities 0 0 0 0
Other Securities 31,288 17,190 17,190 17,190
Total Cash & Securities 893,948 681,389 703,792 749,820
Gross Loans Held for Investment 3,183,316 3,844,769 3,943,951 4,304,458
Loan Loss Reserve 42,935 32,429 33,152 31,043
Loans Held for Sale, before Reserves 2,874 9,316 8,849 6,394
Total Net Loans 3,143,255 3,821,656 3,919,648 4,279,809
Real Estate Owned and Held for Investment 27,407 24,408 20,593 16,100
Goodwill 0 11,031 11,031 11,031
Core Deposit Intangibles 1,701 1,375 NA 1,094
Other Intangibles 0 483 NA 419
Intangible Assets other than Goodwill 1,701 1,858 1,766 1,513
Total Intangible Assets 1,701 12,889 12,797 12,544
Loan Servicing Rights 11,744 10,564 10,609 10,218
Credit Card Rights 0 0 0 0
Other Loan Servicing Rights 0 0 0 0
Total Servicing Rights 11,744 10,564 10,609 10,218
Fixed Assets 29,834 28,698 28,350 26,655
Interest Receivable 9,501 10,987 10,774 12,770
Prepaid Expense 2,586 NA NA NA
Bank-owned Life Insurance 48,340 49,440 49,722 50,554
Other Assets 66,205 61,315 55,536 52,015
Total Other Assets 156,466 150,440 144,382 141,994
Total Assets 4,234,521 4,701,346 4,811,821 5,210,485
Memo: Consolidated VIE Assets 0 0 0 0
Memo: Covered Loans 0 0 0 0
Memo: Covered OREO 0 0 0 0
Memo: Covered Securities 0 0 0 0
Memo: Covered Assets 0 0 0 0
Liabilities ($000)
Total Deposits 3,509,976 3,809,737 4,083,165 4,348,654
FHLB Borrowings 170,000 315,000 50,000 150,000
Senior Debt 170,000 315,000 50,000 150,000
Trust Preferred (FAS 150) 18,703 18,978 19,060 19,535
Total Subordinated Debt 18,703 18,978 116,795 117,270
Redeemable Financial Instruments (FAS 150) 0 0 0 0
Total Debt 188,703 333,978 166,795 267,270
Total Other Liabilities 41,924 26,606 22,319 32,084
Total Liabilities 3,740,603 4,170,321 4,272,279 4,648,008
Memo: Consolidated VIE Liabilities 0 0 0 0
Mezzanine ($000)
Redeemable Preferred 0 0 0 0
Trust Preferred Securities 0 0 0 0
Total Minority Interest 0 0 0 0
Other Mezzanine Items 0 0 0 0
Total Mezzanine Level Items 0 0 0 0
Equity ($000)
TARP Preferred Equity 0 0 0 0
Other Preferred Equity 0 0 0 0
Total Preferred Equity 0 0 0 0
Common Equity 493,918 531,025 539,542 562,477
Equity Attributable to Parent Company 493,918 531,025 539,542 562,477
Noncontrolling Interests 0 0 0 0
Total Equity 493,918 531,025 539,542 562,477
Net Unrealized Gain NA (2,394) (1,603) (1,869)
Tot Acc Other Comprehensive Inc (315) (2,394) (1,603) (1,869)
Balance Sheet Analysis (%)
Gross Loans HFI/ Total Assets 75.18 81.78 81.96 82.61
Loans/ Deposits 90.69 100.92 96.59 98.98
Loan Loss Reserves/ Gross Loans 1.35 0.84 0.84 0.72
Reserves/ Loans Held For Investment 1.35 0.84 0.84 0.72
One Year Gap/ Assets 1.67 1.74 NA NA
1-4 Loans Serviced for Others($000) 0 0 0 0
Level 1 Assets($000) 22,913 22,550 22,545 22,538
Level 2 Assets($000) 713,489 517,155 544,668 564,333
Level 3 Assets($000) 1,044 6,767 5,830 2,436
Level 1 Liabilities($000) 0 0 0 0
Level 2 Liabilities($000) 0 0 0 0
Level 3 Liabilities($000) 0 0 0 0
FTE Employees(actual) 616 638 631 642
Annualized Growth Rates (%)
Asset Growth 0.05 11.02 9.40 10.83
Gross Loans HFI Growth 14.16 20.78 10.32 11.96
Deposit Growth (1.31) 8.54 28.71 14.15
Average Balances ($000)
Avg Gross Loans HFI 2,931,979 3,455,623 3,894,360 4,071,745
Avg Loans HFS 5,467 6,984 9,083 8,531
Average Loans, Gross of Reserves 2,901,698 3,423,292 3,881,686 4,039,346
Avg Securities 818,205 638,938 542,934 600,356
Avg Other Int Earn Assets 85,974 41,730 38,600 40,333
Avg Secs & Other Int Earn Assets 904,179 680,668 581,534 640,689
Avg Interest Earning Assets 3,805,877 4,103,960 4,463,220 4,680,035
Avg Assets 4,076,669 4,372,698 4,738,221 4,952,466
Avg CDs 1,500,634 1,255,883 1,173,184 1,322,352
Avg Other Interest-bearing Deposits 936,001 1,169,545 1,504,505 1,588,562
Avg Interest-bearing Deposits 2,436,635 2,425,428 2,677,689 2,910,914
Avg Debt 56,878 215,525 301,450 214,852
Avg Interest-bearing Liabs 2,493,513 2,640,953 2,979,139 3,125,766
Avg Noninterest-bearing Deposits 1,066,251 1,182,157 1,196,151 1,249,158
Avg Total Deposits 3,502,886 3,607,585 3,873,840 4,160,072
Avg Preferred Equity 0 0 0 0
Avg Common Equity 476,401 518,867 534,273 548,135
Avg Equity 476,401 518,867 534,273 548,135
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