Financial Highlights
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Financial Highlights
2014 FY
12/31/2014
2015 FY
12/31/2015
2016 FY
12/31/2016
2017 FY
12/31/2017
2018 FQ1 YTD
3/31/2018
Balance Sheet ($000)
Total Assets 4,232,443 4,234,521 4,701,346 5,210,485 5,305,641
Total Net Loans 2,741,283 3,143,255 3,821,656 4,279,809 4,387,788
Total Deposits 3,556,746 3,509,976 3,809,737 4,348,654 4,378,101
Equity Attributable to Parent Company 453,387 493,918 531,025 562,477 564,278
Total Equity 453,387 493,918 531,025 562,477 564,278
Profitability (%)
Net Income($000) 49,761 53,823 56,489 54,660 14,855
Net Income Attributable to Parent($000) 49,761 53,823 56,489 54,660 14,855
ROAA 1.46 1.32 1.29 1.10 1.14
Core ROAA 1.24 1.11 1.23 1.06 1.16
ROAE 11.68 11.30 10.89 9.97 10.50
ROATCE 11.74 11.36 10.90 10.19 10.72
Core ROAE 9.95 9.49 10.34 9.59 10.68
Net Interest Margin 3.88 3.90 3.95 3.82 3.65
Reported: Net Interest Margin 3.88 3.90 3.95 3.82 3.70
Efficiency Ratio 62.87 62.17 56.50 54.41 57.48
Noninterest Inc/ Operating Rev 16.06 17.23 14.90 14.45 12.39
Balance Sheet Ratios (%)
Loans/ Deposits 78.40 90.69 100.92 98.98 100.81
Securities/ Assets 25.77 17.23 11.36 11.44 11.07
Total Equity/ Total Assets 10.71 11.66 11.30 10.80 10.64
Tangible Equity/ Tangible Assets 10.67 11.63 11.05 10.58 10.43
Tang Common Equity/ Tang Assets 10.67 11.63 11.05 10.58 10.43
Asset Quality (%)
NPAs/ Assets 1.30 0.90 0.58 0.42 0.40
NPA Excl Restructured/ Assets 0.97 0.65 0.34 0.28 0.27
NPAs & 90+ PD/ Assets 1.30 0.90 0.58 0.42 0.40
NPAs/ Loans & REO 1.95 1.19 0.70 0.51 0.48
Nonaccrual & 90+ & OREO/ Assets 0.97 0.65 0.34 0.28 0.27
NPAs & 90+ PD/ Loans & REO 1.95 1.19 0.70 0.51 0.48
NPA & Loans 90+/ Tangible Common Equity + LLR 10.89 7.09 4.92 3.78 3.67
NCOs/ Avg Loans (0.06) (0.07) 0.18 0.05 (0.01)
Loan Loss Reserves/ Gross Loans 1.89 1.35 0.84 0.72 0.72
Reserves/ NPAs 95.95 113.20 119.61 141.54 148.53
Loan Loss Provision/ NCO NM NM (70.36) 37.48 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 456,941 509,239 537,950 544,983
Tier 1 Capital($000) 454,582 456,941 520,477 553,970 564,376
Tier 2 Capital($000) NA 42,135 33,612 130,302 131,107
Total Capital($000) 493,598 499,076 554,089 684,272 695,483
Total Risk-weighted Assets($000) 3,106,767 3,346,996 3,998,760 4,414,633 4,507,273
Tier 1 Common Capital (CET1) Ratio(%) NA 13.65 12.73 12.19 12.09
Tier 1 Ratio(%) 14.63 13.65 13.02 12.55 12.52
Total Capital Ratio(%) 15.89 14.91 13.86 15.50 15.43
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.91 11.31 11.53 10.79 10.88
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 31,910,203 31,974,359 32,330,747 32,431,627 32,502,658
Avg Diluted Shares(actual) 31,978,064 31,876,820 32,048,704 32,249,918 32,301,095
Basic Book Value per Share 14.21 15.45 16.42 17.34 17.36
As-reported Book Value per Share 14.21 15.45 16.42 17.34 17.36
Basic Tangible Book Value per Share 14.14 15.39 16.03 16.96 16.98
Reported: Tangible Book Value 14.14 15.39 16.03 16.96 16.98
Common Dividends Declared per Share 0.28 0.47 0.66 0.80 0.24
EPS after Extra 1.56 1.68 1.75 1.69 0.46
Core EPS 1.33 1.41 1.66 1.62 0.47
Core EPS Growth(%) 3.90 6.20 17.70 (2.20) 10.80
Diluted EPS before Amortization 1.56 1.69 1.76 1.70 0.46
Pre-Provision Earnings per Share 1.10 1.35 1.62 1.86 0.43
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