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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 1.50 1.08 42 bp 1.27 23 bp
ROAE 11.87 7.41 446 bp 9.78 209 bp
ROATCE NA 11.34 NA 14.08 NA
Core ROAE 11.87 8.65 322 bp 10.03 184 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 59.16 62.16 (300) bp 60.57 (141) bp
Noninterest Inc/ Operating Rev 25.84 27.82 (198) bp 26.91 (107) bp
Balance Sheet Ratios (%)
Loans/ Deposits 103.10 101.83 127 bp 101.21 189 bp
Securities/ Assets NA 10.57 NA 10 NA
Total Equity/ Total Assets 12.52 13.25 (73) bp 12.79 (27) bp
Tangible Equity/ Tangible Assets NA 9.68 NA 9.43 NA
Tang Common Equity/ Tang Assets NA 9.68 NA 9.43 NA
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 NA 6.42 NA 6.69 NA
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) NA 447,228 NA 469,309 NA
Tier 1 Capital($000) NA 447,228 NA 469,309 NA
Tier 2 Capital($000) NA 116,569 NA 122,619 NA
Total Capital($000) NA 563,797 NA 591,928 NA
Total Risk-weighted Assets($000) NA 4,026,851 NA 4,268,609 NA
Tier 1 Common Capital (CET1) Ratio(%) 10.88 11.11 (23) bp 10.99 (11) bp
Tier 1 Ratio(%) 10.88 11.11 (23) bp 10.99 (11) bp
Total Capital Ratio(%) 13.70 14 (30) bp 13.87 (17) bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.13 10.48 (35) bp 10.07 6 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 29,270,852 29,334,859 (0.22) 29,407,076 (1.85)
Avg Diluted Shares(actual) 29,411,330 27,356,000 7.51 29,318,000 1.27
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 NA 14.44 NA 14.83 NA
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 0.63 0.43 46.51 0.52 84.62
Core EPS Growth(%) 45.80 29.30 1,643 bp 20.10 2,571 bp
Diluted EPS before Amortization NA 0.39 NA 0.53 NA
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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