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Financial Highlights
2018 FQ1
3/31/2018
2017 FQ1
3/31/2017
Y-Y Ch (%)
2017 FQ4
12/31/2017
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 4,613,959 4,273,931 7.96 4,554,862 5.19
Total Net Loans 3,667,165 3,323,498 10.34 3,600,154 7.45
Total Deposits 3,497,293 3,365,951 3.90 3,554,919 (6.48)
Equity Attributable to Parent Company 606,719 511,880 18.53 603,374 2.22
Total Equity 606,719 511,880 18.53 603,374 2.22
Profitability (%)
Net Income($000) 12,850 10,856 18.37 10,264 100.78
Net Income Attributable to Parent($000) 12,850 10,856 18.37 10,264 100.78
ROAA 1.13 1.03 10 bp 0.92 21 bp
Core ROAA 1.21 1.07 14 bp 1.08 13 bp
ROAE 8.48 8.53 (5) bp 7.41 107 bp
ROATCE 12.40 13.69 (129) bp 11.34 106 bp
Core ROAE 9.08 8.87 21 bp 8.65 43 bp
Net Interest Margin 3.67 3.75 (8) bp 3.79 (12) bp
Reported: Net Interest Margin 3.72 3.80 (8) bp 3.76 (4) bp
Efficiency Ratio 63.46 62.05 141 bp 62.16 130 bp
Noninterest Inc/ Operating Rev 29.47 30.21 (74) bp 27.82 165 bp
Balance Sheet Ratios (%)
Loans/ Deposits 105.51 99.29 622 bp 101.83 368 bp
Securities/ Assets 10.73 11.46 (73) bp 10.57 16 bp
Total Equity/ Total Assets 13.15 11.98 117 bp 13.25 (10) bp
Tangible Equity/ Tangible Assets 9.64 8.06 158 bp 9.68 (4) bp
Tang Common Equity/ Tang Assets 9.64 8.06 158 bp 9.68 (4) bp
Asset Quality (%)
NPAs/ Assets 0.66 0.62 4 bp 0.61 5 bp
NPA Excl Restructured/ Assets 0.64 0.55 9 bp 0.36 28 bp
NPAs & 90+ PD/ Assets 0.71 0.64 7 bp 0.63 8 bp
NPAs/ Loans & REO 0.83 0.79 4 bp 0.77 6 bp
Nonaccrual & 90+ & OREO/ Assets 0.69 0.57 12 bp 0.38 31 bp
NPAs & 90+ PD/ Loans & REO 0.89 0.82 7 bp 0.79 10 bp
NPA & Loans 90+/ Tangible Common Equity + LLR 7.29 7.81 (52) bp 6.42 87 bp
NCOs/ Avg Loans 0.02 0.05 (3) bp 0.11 (9) bp
Loan Loss Reserves/ Gross Loans 0.63 0.58 5 bp 0.60 3 bp
Reserves/ NPAs 76.58 74.01 257 bp 77.55 (97) bp
Loan Loss Provision/ NCO NM 587.74 NM 203.27 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 458,722 354,940 29.24 447,228 10.28
Tier 1 Capital($000) 458,722 354,940 29.24 447,228 10.28
Tier 2 Capital($000) 118,507 114,356 3.63 116,569 6.65
Total Capital($000) 577,229 469,296 23 563,797 9.53
Total Risk-weighted Assets($000) 4,112,012 3,771,106 9.04 4,026,851 8.46
Tier 1 Common Capital (CET1) Ratio(%) 11.16 9.41 175 bp 11.11 5 bp
Tier 1 Ratio(%) 11.16 9.41 175 bp 11.11 5 bp
Total Capital Ratio(%) 14.04 12.44 160 bp 14 4 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.47 8.75 172 bp 10.48 (1) bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 29,391,934 26,645,520 10.31 29,334,859 0.78
Avg Diluted Shares(actual) 29,234,000 26,447,416 10.54 27,356,000 27.46
Basic Book Value per Share 20.64 19.21 7.44 20.57 1.36
As-reported Book Value per Share 20.68 19.21 7.65 20.57 2.14
Basic Tangible Book Value per Share 14.54 12.38 17.45 14.44 2.77
Reported: Tangible Book Value 14.57 12.38 17.69 14.44 3.60
Common Dividends Declared per Share 0.20 0.20 0 0.20 0
EPS after Extra 0.44 0.41 7.32 0.37 75.68
EPS after Extra Growth(%) 7.30 10.80 (349) bp 37 (2,972) bp
Core EPS 0.47 0.43 9.30 0.43 37.21
Core EPS Growth(%) 10.60 8.80 183 bp 29.30 (1,876) bp
Diluted EPS before Amortization 0.46 0.44 4.55 0.39 71.79
Pre-Provision Earnings per Share 0.50 0.42 19.05 0.42 76.19

   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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