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Financial Highlights
2017 FQ4
12/31/2017
2016 FQ4
12/31/2016
Y-Y Ch (%)
2017 FQ3
9/30/2017
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 4,560,367 4,230,528 7.80 4,417,363 12.95
Total Net Loans 3,600,154 3,274,277 9.95 3,468,849 15.14
Total Deposits 3,554,919 3,257,567 9.13 3,518,590 4.13
Equity Attributable to Parent Company 603,374 505,209 19.43 528,798 56.41
Total Equity 603,374 505,209 19.43 528,798 56.41
Profitability (%)
Net Income($000) 10,264 6,918 48.37 11,196 (33.30)
Net Income Attributable to Parent($000) 10,264 6,918 48.37 11,196 (33.30)
ROAA 0.92 0.67 25 bp 1.01 (9) bp
Core ROAA 0.94 0.83 11 bp 1.05 (11) bp
ROAE 7.41 5.45 196 bp 8.50 (109) bp
ROATCE NA 9.07 NA 13.30 NA
Core ROAE 7.55 6.73 82 bp 8.81 (126) bp
Net Interest Margin 3.79 3.84 (5) bp 3.83 (4) bp
Reported: Net Interest Margin 3.76 3.81 (5) bp 3.80 (4) bp
Efficiency Ratio 63.38 71.68 (830) bp 61.20 218 bp
Noninterest Inc/ Operating Rev 27.82 28.34 (52) bp 27.66 16 bp
Balance Sheet Ratios (%)
Loans/ Deposits 101.83 100.87 96 bp 99.11 272 bp
Securities/ Assets NA 11.66 NA 10.66 NA
Total Equity/ Total Assets 13.23 11.94 129 bp 11.97 126 bp
Tangible Equity/ Tangible Assets NA 7.97 NA 8.22 NA
Tang Common Equity/ Tang Assets NA 7.97 NA 8.22 NA
Asset Quality (%)
NPAs/ Assets 0.61 0.62 (1) bp 0.66 (5) bp
NPA Excl Restructured/ Assets 0.36 0.54 (18) bp 0.40 (4) bp
NPAs & 90+ PD/ Assets 0.63 0.64 (1) bp 0.70 (7) bp
NPAs/ Loans & REO 0.77 0.79 (2) bp 0.84 (7) bp
Nonaccrual & 90+ & OREO/ Assets 0.38 0.56 (18) bp 0.44 (6) bp
NPAs & 90+ PD/ Loans & REO 0.79 0.82 (3) bp 0.88 (9) bp
NPA & Loans 90+/ Tangible Common Equity + LLR NA 7.98 NA 8.35 NA
NCOs/ Avg Loans 0.11 0.21 (10) bp 0.35 (24) bp
Loan Loss Reserves/ Gross Loans 0.60 0.53 7 bp 0.59 1 bp
Reserves/ NPAs 77.55 66.95 1,060 bp 70.40 715 bp
Loan Loss Provision/ NCO 203.27 136.36 6,691 bp 87.99 11,528 bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 349,942 NA 370,564 NA
Tier 1 Capital($000) NA 349,942 NA 370,564 NA
Tier 2 Capital($000) NA 112,256 NA 115,489 NA
Total Capital($000) NA 462,198 NA 486,053 NA
Total Risk-weighted Assets($000) NA 3,716,045 NA 3,898,491 NA
Tier 1 Common Capital (CET1) Ratio(%) 11.09 9.42 167 bp 9.51 158 bp
Tier 1 Ratio(%) 11.09 9.42 167 bp 9.51 158 bp
Total Capital Ratio(%) 13.98 12.44 154 bp 12.47 151 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.48 8.84 164 bp 8.74 174 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 29,334,859 26,589,353 10.33 26,671,336 39.95
Avg Diluted Shares(actual) NA 26,436,562 NA 26,542,000 NA
Basic Book Value per Share 20.57 19 8.26 19.83 14.93
As-reported Book Value per Share 20.57 19 8.26 19.83 14.93
Basic Tangible Book Value per Share NA 12.13 NA 13.06 NA
Reported: Tangible Book Value 14.44 12.13 19.04 13.06 42.27
Common Dividends Declared per Share 0.20 0.20 0 0.20 0
EPS after Extra 0.37 0.27 37.04 0.42 (47.62)
EPS after Extra Growth(%) 37 (27) 6,407 bp NM NM
Core EPS 0.38 0.33 15.15 0.44 (54.55)
Core EPS Growth(%) 12.90 (13) 2,591 bp NM NM
Diluted EPS before Amortization NA 0.30 NA 0.44 NA
Pre-Provision Earnings per Share 0.42 0.29 44.83 0.45 (26.67)

   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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