Financial Highlights

Financial Highlights
2017 FQ4
12/31/2017
2017 FQ3
9/30/2017
2017 FQ2
6/30/2017
2017 FQ1
3/31/2017
2016 FQ4
12/31/2016
Balance Sheet ($000)
Total Assets 6,403,460 6,444,429 6,258,184 6,095,370 6,005,430
Total Net Loans 5,581,084 5,956,751 5,854,896 5,731,195 5,615,886
Total Deposits 4,403,447 4,371,193 4,418,480 4,508,482 4,395,426
Equity Attributable to Parent Company 598,567 586,037 580,448 573,225 565,868
Total Equity 598,567 586,037 580,448 573,225 565,868
Profitability (%)
Net Income($000) 15,423 13,313 11,989 11,157 732
Net Income Attributable to Parent($000) 15,423 13,313 11,989 11,157 732
ROAA 0.96 0.85 0.78 0.74 0.05
Core ROAA 0.54 0.81 0.78 0.74 0.55
ROAE 10.41 9.14 8.32 7.83 0.52
ROATCE 11.46 10.08 9.17 8.66 0.56
Core ROAE 5.86 8.74 8.32 7.83 5.77
Net Interest Margin 2.50 2.53 2.57 2.57 2.67
Reported: Net Interest Margin 2.50 2.53 2.57 2.57 2.67
Efficiency Ratio 53.67 51.02 48.92 52.89 46.13
Noninterest Inc/ Operating Rev 7.92 4.18 4.39 4.53 4.58
Balance Sheet Ratios (%)
Loans/ Deposits 127.22 136.78 133.01 127.59 128.23
Securities/ Assets 6.52 1.49 1.06 1.04 1.11
Total Equity/ Total Assets 9.35 9.09 9.28 9.40 9.42
Tangible Equity/ Tangible Assets 8.55 8.30 8.46 8.57 8.58
Tang Common Equity/ Tang Assets 8.55 8.30 8.46 8.57 8.58
Asset Quality (%)
NPAs/ Assets 0.13 0.14 0.21 0.23 0.24
NPA Excl Restructured/ Assets 0.01 0.01 0.07 0.08 0.09
NPAs & 90+ PD/ Assets 0.45 0.20 0.23 0.24 0.29
NPAs/ Loans & REO 0.15 0.16 0.23 0.24 0.25
Nonaccrual & 90+ & OREO/ Assets 0.32 0.07 0.09 0.10 0.14
NPAs & 90+ PD/ Loans & REO 0.51 0.21 0.25 0.25 0.31
NPA & Loans 90+/ Tangible Common Equity + LLR 5.07 2.32 2.65 2.68 3.25
NCOs/ Avg Loans 0 0 0 0 0
Loan Loss Reserves/ Gross Loans 0.38 0.37 0.37 0.36 0.36
Reserves/ NPAs 243.32 235.62 165.96 152.75 144.66
Loan Loss Provision/ NCO NM NM NM NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 546,571 535,110 530,458 523,102 516,170
Tier 1 Capital($000) 546,571 535,110 598,973 591,617 584,684
Tier 2 Capital($000) 136,478 137,032 137,010 20,979 20,561
Total Capital($000) 683,049 672,142 735,983 612,596 605,245
Total Risk-weighted Assets($000) 4,787,196 5,023,809 4,919,958 4,722,158 4,511,109
Tier 1 Common Capital (CET1) Ratio(%) 11.42 10.65 10.78 11.08 11.44
Tier 1 Ratio(%) 11.42 10.65 12.17 12.53 12.95
Total Capital Ratio(%) 14.27 13.38 14.96 12.98 13.41
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.61 8.58 9.86 9.91 10.03
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 37,419,070 37,422,884 37,675,379 37,569,348 37,455,853
Avg Diluted Shares(actual) 37,432,283 37,441,855 37,635,798 37,549,576 36,803,342
Basic Book Value per Share 16 15.66 15.41 15.26 15.11
As-reported Book Value per Share 16 15.66 15.41 15.26 15.11
Basic Tangible Book Value per Share 14.51 14.17 13.93 13.78 13.62
Reported: Tangible Book Value 14.51 14.17 13.93 13.78 13.62
Common Dividends Declared per Share 0.14 0.14 0.14 0.14 0.14
EPS after Extra 0.41 0.35 0.32 0.30 0.02
EPS after Extra Growth(%) NM 20.70 6.70 (77.90) (93.50)
Core EPS 0.23 0.33 0.32 0.30 0.23
Core EPS Growth(%) 1.10 15.30 6.60 94.10 (26.50)
Diluted EPS before Amortization 0.41 0.35 0.32 0.30 0.02
Pre-Provision Earnings per Share 0.34 0.34 0.35 0.32 0.39
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