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Financial Highlights
2018 FQ4
12/31/2018
2017 FQ4
12/31/2017
Y-Y Ch (%)
2018 FQ3
9/30/2018
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 4,984,347 4,554,862 9.43 4,801,998 15.19
Total Net Loans 3,978,964 3,600,154 10.52 3,838,904 14.59
Total Deposits 3,885,933 3,554,919 9.31 3,820,048 6.90
Equity Attributable to Parent Company 624,133 603,374 3.44 614,242 6.44
Total Equity 624,133 603,374 3.44 614,242 6.44
Profitability (%)
Net Income($000) 18,372 10,264 78.99 14,964 91.10
Net Income Attributable to Parent($000) 18,372 10,264 78.99 14,964 91.10
ROAA 1.50 0.92 58 bp 1.24 26 bp
Core ROAA 1.56 1.08 48 bp 1.27 29 bp
ROAE 11.87 7.41 446 bp 9.78 209 bp
ROATCE 16.91 11.34 557 bp 14.08 283 bp
Core ROAE 12.31 8.65 366 bp 10.03 228 bp
Net Interest Margin 3.75 3.79 (4) bp 3.74 1 bp
Reported: Net Interest Margin 3.72 3.76 (4) bp 3.71 1 bp
Efficiency Ratio 58.17 62.16 (399) bp 60.57 (240) bp
Noninterest Inc/ Operating Rev 26 27.82 (182) bp 26.91 (91) bp
Balance Sheet Ratios (%)
Loans/ Deposits 103.10 101.83 127 bp 101.21 189 bp
Securities/ Assets 10.06 10.57 (51) bp 10 6 bp
Total Equity/ Total Assets 12.52 13.25 (73) bp 12.79 (27) bp
Tangible Equity/ Tangible Assets 9.29 9.68 (39) bp 9.43 (14) bp
Tang Common Equity/ Tang Assets 9.29 9.68 (39) bp 9.43 (14) bp
Asset Quality (%)
NPAs/ Assets 0.56 0.61 (5) bp 0.62 (6) bp
NPA Excl Restructured/ Assets 0.55 0.36 19 bp 0.60 (5) bp
NPAs & 90+ PD/ Assets 0.56 0.63 (7) bp 0.65 (9) bp
NPAs/ Loans & REO 0.70 0.77 (7) bp 0.77 (7) bp
Nonaccrual & 90+ & OREO/ Assets 0.55 0.38 17 bp 0.63 (8) bp
NPAs & 90+ PD/ Loans & REO 0.70 0.79 (9) bp 0.80 (10) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 5.91 6.42 (51) bp 6.69 (78) bp
NCOs/ Avg Loans (0.19) 0.11 (30) bp 0.11 (30) bp
Loan Loss Reserves/ Gross Loans 0.73 0.60 13 bp 0.71 2 bp
Reserves/ NPAs 105.11 77.55 2,756 bp 91.98 1,313 bp
Loan Loss Provision/ NCO NM 203.27 NM 267.54 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 479,550 447,228 7.23 469,309 8.73
Tier 1 Capital($000) 479,550 447,228 7.23 469,309 8.73
Tier 2 Capital($000) 124,663 116,569 6.94 122,619 6.67
Total Capital($000) 604,213 563,797 7.17 591,928 8.30
Total Risk-weighted Assets($000) 4,409,548 4,026,851 9.50 4,268,609 13.21
Tier 1 Common Capital (CET1) Ratio(%) 10.88 11.11 (23) bp 10.99 (11) bp
Tier 1 Ratio(%) 10.88 11.11 (23) bp 10.99 (11) bp
Total Capital Ratio(%) 13.70 14 (30) bp 13.87 (17) bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.13 10.48 (35) bp 10.07 6 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 29,270,852 29,334,859 (0.22) 29,407,076 (1.85)
Avg Diluted Shares(actual) 29,220,000 27,356,000 6.81 29,318,000 (1.34)
Basic Book Value per Share 21.32 20.57 3.65 20.89 8.23
Book Value per Share, As Reported 21.32 20.57 3.65 20.89 8.23
Basic Tangible Book Value per Share 15.25 14.44 5.61 14.83 11.33
Tangible Book Value per Share, As Reported 15.25 14.44 5.61 14.83 11.33
Common Dividends Declared per Share 0.20 0.20 0 0.20 0
EPS after Extra 0.63 0.37 70.27 0.51 94.12
EPS after Extra Growth(%) 70.30 37 3,323 bp 21.40 4,884 bp
Core EPS 0.65 0.43 51.16 0.52 100
Core EPS Growth(%) 51.30 29.30 2,193 bp 20.10 3,121 bp
Diluted EPS before Amortization 0.65 0.39 66.67 0.53 90.57
Pre-Provision Earnings per Share 0.61 0.42 45.24 0.56 35.71

   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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