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Financial Highlights
2017 FQ3
9/30/2017
2016 FQ3
9/30/2016
Y-Y Ch (%)
2017 FQ2
6/30/2017
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 4,417,363 4,140,444 6.69 4,453,527 (3.25)
Total Net Loans 3,468,849 3,177,306 9.18 3,491,519 (2.60)
Total Deposits 3,518,590 3,178,509 10.70 3,348,080 20.37
Equity Attributable to Parent Company 528,798 509,249 3.84 521,306 5.75
Total Equity 528,798 509,249 3.84 521,306 5.75
Profitability (%)
Net Income($000) 11,196 58 19,203.45 11,778 (19.77)
Net Income Attributable to Parent($000) 11,196 58 19,203.45 11,778 (19.77)
ROAA 1.01 0.01 100 bp 1.09 (8) bp
Core ROAA 1.05 0.94 11 bp 1.08 (3) bp
ROAE 8.50 0.05 845 bp 9.10 (60) bp
ROATCE 13.30 0.67 1,263 bp 14.46 (116) bp
Core ROAE 8.81 7.68 113 bp 9.02 (21) bp
Net Interest Margin 3.83 3.70 13 bp 3.75 8 bp
Reported: Net Interest Margin 3.80 3.68 12 bp 3.76 4 bp
Efficiency Ratio 61.26 66.49 (523) bp 61.50 (24) bp
Noninterest Inc/ Operating Rev 27.59 30.03 (244) bp 29.79 (220) bp
Balance Sheet Ratios (%)
Loans/ Deposits 99.11 100.37 (126) bp 104.84 (573) bp
Securities/ Assets 10.66 12.11 (145) bp 11.25 (59) bp
Total Equity/ Total Assets 11.97 12.30 (33) bp 11.71 26 bp
Tangible Equity/ Tangible Assets 8.22 8.24 (2) bp 7.96 26 bp
Tang Common Equity/ Tang Assets 8.22 8.24 (2) bp 7.96 26 bp
Asset Quality (%)
NPAs/ Assets 0.66 0.59 7 bp 0.76 (10) bp
NPA Excl Restructured/ Assets 0.40 0.51 (11) bp 0.50 (10) bp
NPAs & 90+ PD/ Assets 0.70 0.62 8 bp 0.77 (7) bp
NPAs/ Loans & REO 0.84 0.76 8 bp 0.96 (12) bp
Nonaccrual & 90+ & OREO/ Assets 0.44 0.54 (10) bp 0.52 (8) bp
NPAs & 90+ PD/ Loans & REO 0.88 0.80 8 bp 0.98 (10) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 8.35 7.43 92 bp 9.53 (118) bp
NCOs/ Avg Loans 0.35 0.21 14 bp 0.16 19 bp
Loan Loss Reserves/ Gross Loans 0.59 0.53 6 bp 0.60 (1) bp
Reserves/ NPAs 70.40 69.32 108 bp 61.78 862 bp
Loan Loss Provision/ NCO 87.99 84.78 321 bp 199.86 (11,187) bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 370,564 349,476 6.03 363,370 7.92
Tier 1 Capital($000) 370,564 349,476 6.03 363,370 7.92
Tier 2 Capital($000) 115,489 111,630 3.46 115,789 (1.04)
Total Capital($000) 486,053 461,106 5.41 479,159 5.76
Total Risk-weighted Assets($000) 3,898,491 3,649,172 3,898,491 3,944,693 3,898,491
Tier 1 Common Capital (CET1) Ratio(%) 9.51 9.58 (7) bp 9.21 30 bp
Tier 1 Ratio(%) 9.51 9.58 (7) bp 9.21 30 bp
Total Capital Ratio(%) 12.47 12.64 (17) bp 12.15 32 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.74 8.80 (6) bp 8.74 0 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 26,671,336 26,558,412 0.43 26,667,991 0.05
Avg Diluted Shares(actual) 26,542,000 26,340,000 0.77 26,477,000 0.98
Basic Book Value per Share 19.83 19.17 3.44 19.55 5.73
As-reported Book Value per Share 19.83 19.17 3.44 19.55 5.73
Basic Tangible Book Value per Share 13.06 12.28 6.35 12.75 9.73
Reported: Tangible Book Value 13.06 12.28 6.35 12.75 9.73
Common Dividends Declared per Share 0.20 0.20 0 0.20 0
EPS after Extra 0.42 0 NM 0.44 (18.18)
EPS after Extra Growth(%) NM (100) NM 63 NM
Core EPS 0.44 0 NM 0.44 0
Core EPS Growth(%) NM NM NM 39.80 NM
Diluted EPS before Amortization 0.44 0 NM 0.47 (25.53)
Pre-Provision Earnings per Share 0.45 0 NM 0.43 18.60

   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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