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Financial Highlights
2019 FQ1
3/31/2019
2018 FQ1
3/31/2018
Y-Y Ch (%)
2018 FQ4
12/31/2018
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 5,035,527 4,613,959 9.14 4,984,347 4.11
Total Net Loans 4,037,198 3,667,165 10.09 3,978,964 5.85
Total Deposits 4,003,153 3,497,293 14.46 3,885,933 12.07
Equity Attributable to Parent Company 637,606 606,719 5.09 624,133 8.63
Total Equity 637,606 606,719 5.09 624,133 8.63
Profitability (%)
Net Income($000) 16,079 12,850 25.13 18,372 (49.92)
Net Income Attributable to Parent($000) 16,079 12,850 25.13 18,372 (49.92)
ROAA 1.29 1.13 16 bp 1.50 (21) bp
Core ROAA 1.31 1.21 10 bp 1.56 (25) bp
ROAE 10.18 8.48 170 bp 11.87 (169) bp
ROATCE 14.40 12.40 200 bp 16.91 (251) bp
Core ROAE 10.39 9.08 131 bp 12.31 (192) bp
Net Interest Margin 3.70 3.67 3 bp 3.75 (5) bp
Reported: Net Interest Margin 3.75 3.72 3 bp 3.72 3 bp
Efficiency Ratio 60.04 63.46 (342) bp 58.17 187 bp
Noninterest Inc/ Operating Rev 28.25 29.47 (122) bp 26 225 bp
Balance Sheet Ratios (%)
Loans/ Deposits 101.62 105.51 (389) bp 103.10 (148) bp
Securities/ Assets 9.92 10.73 (81) bp 10.06 (14) bp
Total Equity/ Total Assets 12.66 13.15 (49) bp 12.52 14 bp
Tangible Equity/ Tangible Assets 9.47 9.64 (17) bp 9.29 18 bp
Tang Common Equity/ Tang Assets 9.47 9.64 (17) bp 9.29 18 bp
Asset Quality (%)
NPAs/ Assets 0.53 0.66 (13) bp 0.56 (3) bp
NPA Excl Restructured/ Assets 0.53 0.64 (11) bp 0.55 (2) bp
NPAs & 90+ PD/ Assets 0.54 0.71 (17) bp 0.56 (2) bp
NPAs/ Loans & REO 0.66 0.83 (17) bp 0.70 (4) bp
Nonaccrual & 90+ & OREO/ Assets 0.54 0.69 (15) bp 0.55 (1) bp
NPAs & 90+ PD/ Loans & REO 0.67 0.89 (22) bp 0.70 (3) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 5.57 7.29 (172) bp 5.91 (34) bp
NCOs/ Avg Loans 0.04 0.02 2 bp (0.19) 23 bp
Loan Loss Reserves/ Gross Loans 0.78 0.63 15 bp 0.73 5 bp
Reserves/ NPAs 118.09 76.58 4,151 bp 105.11 1,298 bp
Loan Loss Provision/ NCO 600.67 NM NM NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 489,197 458,722 6.64 479,550 8.05
Tier 1 Capital($000) 489,197 458,722 6.64 479,550 8.05
Tier 2 Capital($000) 126,957 118,507 7.13 124,663 7.36
Total Capital($000) 616,154 577,229 6.74 604,213 7.91
Total Risk-weighted Assets($000) 4,474,237 4,112,012 8.81 4,409,548 5.87
Tier 1 Common Capital (CET1) Ratio(%) 10.93 11.16 (23) bp 10.88 5 bp
Tier 1 Ratio(%) 10.93 11.16 (23) bp 10.88 5 bp
Total Capital Ratio(%) 13.77 14.04 (27) bp 13.70 7 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.10 10.47 (37) bp 10.13 (3) bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 29,272,502 29,391,934 (0.41) 29,270,852 0.02
Avg Diluted Shares(actual) 29,205,000 29,234,000 (0.10) 29,220,000 (0.21)
Basic Book Value per Share 21.78 20.64 5.52 21.32 8.63
Book Value per Share, As Reported 21.78 20.64 5.52 21.32 8.63
Basic Tangible Book Value per Share 15.72 14.54 8.12 15.25 12.33
Tangible Book Value per Share, As Reported 15.72 14.57 7.89 15.25 12.33
Common Dividends Declared per Share 0.20 0.20 0 0.20 0
EPS after Extra 0.55 0.44 25 0.63 (50.79)
EPS after Extra Growth(%) 25 7.30 1,768 bp 70.30 (4,527) bp
Core EPS 0.56 0.47 19.15 0.65 (55.38)
Core EPS Growth(%) 19 10.60 846 bp 51.30 (3,223) bp
Diluted EPS before Amortization 0.56 0.46 21.74 0.65 (55.38)
Pre-Provision Earnings per Share 0.60 0.50 20 0.61 (6.56)

   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.


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