Financial Highlights
Excel download Email page PDF view Print view Email Alert Social Media Sharing
Financial Highlights
2014 FY
12/31/2014
2015 FY
12/31/2015
2016 FY
12/31/2016
2017 FY
12/31/2017
2018 FQ3 YTD
9/30/2018
Balance Sheet ($000)
Total Assets 4,232,443 4,234,521 4,701,346 5,210,485 5,487,042
Total Net Loans 2,741,283 3,143,255 3,821,656 4,279,809 4,555,662
Total Deposits 3,556,746 3,509,976 3,809,737 4,348,654 4,614,422
Equity Attributable to Parent Company 453,387 493,918 531,025 562,477 567,748
Total Equity 453,387 493,918 531,025 562,477 567,748
Profitability (%)
Net Income($000) 49,761 53,823 56,489 54,660 46,484
Net Income Attributable to Parent($000) 49,761 53,823 56,489 54,660 46,484
ROAA 1.46 1.32 1.29 1.10 1.16
Core ROAA 1.24 1.11 1.23 1.14 1.19
ROAE 11.68 11.30 10.89 9.97 10.76
ROATCE 11.74 11.36 10.90 10.19 10.98
Core ROAE 9.95 9.49 10.34 10.30 11.03
Net Interest Margin 3.88 3.90 3.95 3.82 3.58
Reported: Net Interest Margin 3.88 3.90 3.95 3.82 3.59
Efficiency Ratio 62.87 62.17 56.50 54.41 56.50
Noninterest Inc/ Operating Rev 16.06 17.23 14.90 14.45 12.06
Balance Sheet Ratios (%)
Loans/ Deposits 78.40 90.69 100.92 98.98 99.32
Securities/ Assets 25.77 17.23 11.36 11.44 10.74
Total Equity/ Total Assets 10.71 11.66 11.30 10.80 10.35
Tangible Equity/ Tangible Assets 10.67 11.63 11.05 10.58 10.15
Tang Common Equity/ Tang Assets 10.67 11.63 11.05 10.58 10.15
Asset Quality (%)
NPAs/ Assets 1.30 0.90 0.58 0.42 0.42
NPA Excl Restructured/ Assets 0.97 0.65 0.34 0.28 0.31
NPAs & 90+ PD/ Assets 1.30 0.90 0.58 0.42 0.42
NPAs/ Loans & REO 1.95 1.19 0.70 0.51 0.51
Nonaccrual & 90+ & OREO/ Assets 0.97 0.65 0.34 0.28 0.31
NPAs & 90+ PD/ Loans & REO 1.95 1.19 0.70 0.51 0.51
NPA & Loans 90+/ Tangible Common Equity + LLR 10.89 7.09 4.92 3.78 3.96
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 0.69
Reserves/ NPAs 95.95 113.20 119.61 141.54 136.40
Loan Loss Provision/ NCO NM NM (70.36) 37.48 300.32
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 456,941 509,239 537,950 551,575
Tier 1 Capital($000) 454,582 456,941 520,477 553,970 571,146
Tier 2 Capital($000) NA 42,135 33,612 130,302 131,132
Total Capital($000) 493,598 499,076 554,089 684,272 702,278
Total Risk-weighted Assets($000) 3,106,767 3,346,996 3,998,760 4,414,633 4,677,844
Tier 1 Common Capital (CET1) Ratio(%) NA 13.65 12.73 12.19 11.79
Tier 1 Ratio(%) 14.63 13.65 13.02 12.55 12.21
Total Capital Ratio(%) 15.89 14.91 13.86 15.50 15.01
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.91 11.31 11.53 10.79 10.53
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 31,910,203 31,974,359 32,330,747 32,431,627 32,087,236
Avg Diluted Shares(actual) 31,978,064 31,876,820 32,048,704 32,249,918 32,306,041
Basic Book Value per Share 14.21 15.45 16.42 17.34 17.69
Book Value per Share, As Reported 14.21 15.45 16.42 17.34 17.69
Basic Tangible Book Value per Share 14.14 15.39 16.03 16.96 17.31
Tangible Book Value per Share, As Reported 14.14 15.39 16.03 16.96 17.31
Common Dividends Declared per Share 0.28 0.47 0.66 0.80 0.72
EPS after Extra 1.56 1.68 1.75 1.69 1.43
Core EPS 1.33 1.41 1.66 1.75 1.47
Core EPS Growth(%) 3.90 6.20 17.70 5.10 15.40
Diluted EPS before Amortization 1.56 1.69 1.76 1.70 1.44
Pre-Provision Earnings per Share 1.10 1.35 1.62 1.86 1.62
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.