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Financial Highlights
2018 FQ3
9/30/2018
2017 FQ3
9/30/2017
Y-Y Ch (%)
2018 FQ2
6/30/2018
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 4,801,998 4,417,363 8.71 4,749,181 4.45
Total Net Loans 3,838,904 3,468,849 10.67 3,794,524 4.68
Total Deposits 3,820,048 3,518,590 8.57 3,620,786 22.01
Equity Attributable to Parent Company 614,242 528,798 16.16 605,294 5.91
Total Equity 614,242 528,798 16.16 605,294 5.91
Profitability (%)
Net Income($000) 14,964 11,196 33.65 4,357 973.79
Net Income Attributable to Parent($000) 14,964 11,196 33.65 4,357 973.79
ROAA 1.24 1.01 23 bp 0.37 87 bp
Core ROAA 1.27 1.05 22 bp 0.38 89 bp
ROAE 9.78 8.50 128 bp 2.85 693 bp
ROATCE 14.08 13.30 78 bp 4.42 966 bp
Core ROAE 10.03 8.81 122 bp 2.92 711 bp
Net Interest Margin 3.74 3.83 (9) bp 3.72 2 bp
Reported: Net Interest Margin 3.71 3.80 (9) bp 3.73 (2) bp
Efficiency Ratio 60.57 61.14 (57) bp 61.39 (82) bp
Noninterest Inc/ Operating Rev 26.91 27.73 (82) bp 28.25 (134) bp
Balance Sheet Ratios (%)
Loans/ Deposits 101.21 99.11 210 bp 105.46 (425) bp
Securities/ Assets 10 10.66 (66) bp 10.10 (10) bp
Total Equity/ Total Assets 12.79 11.97 82 bp 12.75 4 bp
Tangible Equity/ Tangible Assets 9.43 8.22 121 bp 9.33 10 bp
Tang Common Equity/ Tang Assets 9.43 8.22 121 bp 9.33 10 bp
Asset Quality (%)
NPAs/ Assets 0.62 0.66 (4) bp 0.69 (7) bp
NPA Excl Restructured/ Assets 0.60 0.40 20 bp 0.67 (7) bp
NPAs & 90+ PD/ Assets 0.65 0.70 (5) bp 0.69 (4) bp
NPAs/ Loans & REO 0.77 0.84 (7) bp 0.86 (9) bp
Nonaccrual & 90+ & OREO/ Assets 0.63 0.44 19 bp 0.67 (4) bp
NPAs & 90+ PD/ Loans & REO 0.80 0.88 (8) bp 0.86 (6) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 6.69 8.35 (166) bp 7.26 (57) bp
NCOs/ Avg Loans 0.11 0.35 (24) bp 1.41 (130) bp
Loan Loss Reserves/ Gross Loans 0.71 0.59 12 bp 0.67 4 bp
Reserves/ NPAs 91.98 70.40 2,158 bp 78.49 1,349 bp
Loan Loss Provision/ NCO 267.54 87.99 17,955 bp 117.03 15,051 bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 469,309 370,564 26.65 459,235 8.77
Tier 1 Capital($000) 469,309 370,564 26.65 459,235 8.77
Tier 2 Capital($000) 122,619 115,489 6.17 120,813 5.98
Total Capital($000) 591,928 486,053 21.78 580,048 8.19
Total Risk-weighted Assets($000) 4,268,609 3,898,491 9.49 4,215,572 5.03
Tier 1 Common Capital (CET1) Ratio(%) 10.99 9.51 148 bp 10.89 10 bp
Tier 1 Ratio(%) 10.99 9.51 148 bp 10.89 10 bp
Total Capital Ratio(%) 13.87 12.47 140 bp 13.76 11 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.07 8.74 133 bp 10.19 (12) bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 29,407,076 26,671,336 10.26 29,406,450 0.01
Avg Diluted Shares(actual) 29,318,000 26,542,000 10.46 29,271,000 0.64
Basic Book Value per Share 20.89 19.83 5.35 20.58 6.03
Book Value per Share, As Reported 20.89 19.83 5.35 20.58 6.03
Basic Tangible Book Value per Share 14.83 13.06 13.55 14.51 8.82
Tangible Book Value per Share, As Reported 14.83 13.06 13.55 14.51 8.82
Common Dividends Declared per Share 0.20 0.20 0 0.20 0
EPS after Extra 0.51 0.42 21.43 0.15 960
EPS after Extra Growth(%) 21.40 NM NM (65.90) 8,734 bp
Core EPS 0.52 0.44 18.18 0.15 986.67
Core EPS Growth(%) 20.10 NM NM (64.80) 8,485 bp
Diluted EPS before Amortization 0.53 0.44 20.45 0.17 847.06
Pre-Provision Earnings per Share 0.56 0.45 24.44 0.53 22.64

   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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