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Financial Highlights
2018 FQ2
6/30/2018
2017 FQ2
6/30/2017
Y-Y Ch (%)
2018 FQ1
3/31/2018
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 4,749,181 4,453,527 6.64 4,613,959 11.72
Total Net Loans 3,794,524 3,491,519 8.68 3,667,165 13.89
Total Deposits 3,620,786 3,348,080 8.15 3,497,293 14.12
Equity Attributable to Parent Company 605,294 521,306 16.11 606,719 (0.94)
Total Equity 605,294 521,306 16.11 606,719 (0.94)
Profitability (%)
Net Income($000) 4,357 11,778 (63.01) 12,850 (264.37)
Net Income Attributable to Parent($000) 4,357 11,778 (63.01) 12,850 (264.37)
ROAA 0.37 1.09 (72) bp 1.13 (76) bp
Core ROAA 0.38 1.08 (70) bp 1.21 (83) bp
ROAE 2.85 9.10 (625) bp 8.48 (563) bp
ROATCE 4.42 14.46 (1,004) bp 12.40 (798) bp
Core ROAE 2.92 9.02 (610) bp 9.08 (616) bp
Net Interest Margin 3.72 3.75 (3) bp 3.67 5 bp
Reported: Net Interest Margin 3.73 3.76 (3) bp 3.72 1 bp
Efficiency Ratio 61.39 61.50 (11) bp 63.46 (207) bp
Noninterest Inc/ Operating Rev 28.25 29.79 (154) bp 29.47 (122) bp
Balance Sheet Ratios (%)
Loans/ Deposits 105.46 104.84 62 bp 105.51 (5) bp
Securities/ Assets 10.10 11.25 (115) bp 10.73 (63) bp
Total Equity/ Total Assets 12.75 11.71 104 bp 13.15 (40) bp
Tangible Equity/ Tangible Assets 9.33 7.96 137 bp 9.64 (31) bp
Tang Common Equity/ Tang Assets 9.33 7.96 137 bp 9.64 (31) bp
Asset Quality (%)
NPAs/ Assets 0.69 0.76 (7) bp 0.66 3 bp
NPA Excl Restructured/ Assets 0.67 0.50 17 bp 0.64 3 bp
NPAs & 90+ PD/ Assets 0.69 0.77 (8) bp 0.71 (2) bp
NPAs/ Loans & REO 0.86 0.96 (10) bp 0.83 3 bp
Nonaccrual & 90+ & OREO/ Assets 0.67 0.52 15 bp 0.69 (2) bp
NPAs & 90+ PD/ Loans & REO 0.86 0.98 (12) bp 0.89 (3) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 7.26 9.53 (227) bp 7.29 (3) bp
NCOs/ Avg Loans 1.41 0.16 125 bp 0.02 139 bp
Loan Loss Reserves/ Gross Loans 0.67 0.60 7 bp 0.63 4 bp
Reserves/ NPAs 78.49 61.78 1,671 bp 76.58 191 bp
Loan Loss Provision/ NCO 117.03 199.86 (8,283) bp NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 459,235 363,370 26.38 458,722 0.45
Tier 1 Capital($000) 459,235 363,370 26.38 458,722 0.45
Tier 2 Capital($000) 120,813 115,789 4.34 118,507 7.78
Total Capital($000) 580,048 479,159 21.06 577,229 1.95
Total Risk-weighted Assets($000) 4,215,572 3,944,693 6.87 4,112,012 10.07
Tier 1 Common Capital (CET1) Ratio(%) 10.89 9.21 168 bp 11.16 (27) bp
Tier 1 Ratio(%) 10.89 9.21 168 bp 11.16 (27) bp
Total Capital Ratio(%) 13.76 12.15 161 bp 14.04 (28) bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.19 8.74 145 bp 10.47 (28) bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 29,406,450 26,667,991 10.27 29,391,934 0.20
Avg Diluted Shares(actual) 29,271,000 26,477,000 10.55 29,234,000 0.51
Basic Book Value per Share 20.58 19.55 5.27 20.64 (1.16)
As-reported Book Value per Share 20.58 19.55 5.27 20.64 (1.16)
Basic Tangible Book Value per Share 14.51 12.75 13.80 14.54 (0.83)
Reported: Tangible Book Value 14.51 12.75 13.80 14.57 (1.65)
Common Dividends Declared per Share 0.20 0.20 0 0.20 0
EPS after Extra 0.15 0.44 (65.91) 0.44 (263.64)
EPS after Extra Growth(%) (65.90) 63 (12,887) bp 7.30 (7,323) bp
Core EPS 0.15 0.44 (65.91) 0.47 (272.34)
Core EPS Growth(%) (64.80) 39.80 (10,457) bp 10.60 (7,537) bp
Diluted EPS before Amortization 0.17 0.47 (63.83) 0.46 (252.17)
Pre-Provision Earnings per Share 0.53 0.43 23.26 0.50 24

   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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