Financial Highlights

Financial Highlights
2018 FQ1
3/31/2018
2017 FQ4
12/31/2017
2017 FQ3
9/30/2017
2017 FQ2
6/30/2017
2017 FQ1
3/31/2017
Balance Sheet ($000)
Total Assets 6,325,917 6,403,460 6,444,429 6,258,184 6,095,370
Total Net Loans 5,486,222 5,581,084 5,956,751 5,854,896 5,731,195
Total Deposits 4,430,441 4,403,447 4,371,193 4,418,480 4,508,482
Equity Attributable to Parent Company 607,957 598,567 586,037 580,448 573,225
Total Equity 607,957 598,567 586,037 580,448 573,225
Profitability (%)
Net Income($000) 14,745 15,423 13,313 11,989 11,157
Net Income Attributable to Parent($000) 14,745 15,423 13,313 11,989 11,157
ROAA 0.93 0.96 0.85 0.78 0.74
Core ROAA 0.86 0.74 0.81 0.78 0.74
ROAE 9.77 10.41 9.14 8.32 7.83
ROATCE 10.74 11.46 10.08 9.17 8.66
Core ROAE 9.06 7.97 8.74 8.32 7.83
Net Interest Margin 2.47 2.50 2.53 2.57 2.57
Reported: Net Interest Margin 2.47 2.50 2.53 2.57 2.57
Efficiency Ratio 54.48 53.67 51.02 48.92 52.89
Noninterest Inc/ Operating Rev 4.71 7.92 4.18 4.39 4.53
Balance Sheet Ratios (%)
Loans/ Deposits 124.31 127.22 136.78 133.01 127.59
Securities/ Assets 6.53 6.52 1.49 1.06 1.04
Total Equity/ Total Assets 9.61 9.35 9.09 9.28 9.40
Tangible Equity/ Tangible Assets 8.81 8.55 8.30 8.46 8.57
Tang Common Equity/ Tang Assets 8.81 8.55 8.30 8.46 8.57
Asset Quality (%)
NPAs/ Assets 0.15 0.13 0.14 0.21 0.23
NPA Excl Restructured/ Assets 0.03 0.01 0.01 0.07 0.08
NPAs & 90+ PD/ Assets 0.37 0.45 0.20 0.23 0.24
NPAs/ Loans & REO 0.18 0.15 0.16 0.23 0.24
Nonaccrual & 90+ & OREO/ Assets 0.25 0.32 0.07 0.09 0.10
NPAs & 90+ PD/ Loans & REO 0.43 0.51 0.21 0.25 0.25
NPA & Loans 90+/ Tangible Common Equity + LLR 4.11 5.07 2.32 2.65 2.68
NCOs/ Avg Loans 0 0 0 0 0
Loan Loss Reserves/ Gross Loans 0.39 0.38 0.37 0.37 0.36
Reserves/ NPAs 216.94 243.32 235.62 165.96 152.75
Loan Loss Provision/ NCO NM NM NM NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 546,571 535,110 530,458 523,102
Tier 1 Capital($000) NA 546,571 535,110 598,973 591,617
Tier 2 Capital($000) NA 136,478 137,032 137,010 20,979
Total Capital($000) NA 683,049 672,142 735,983 612,596
Total Risk-weighted Assets($000) NA 4,787,196 5,023,809 4,919,958 4,722,158
Tier 1 Common Capital (CET1) Ratio(%) 11.87 11.42 10.65 10.78 11.08
Tier 1 Ratio(%) 11.87 11.42 10.65 12.17 12.53
Total Capital Ratio(%) 14.79 14.27 13.38 14.96 12.98
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.79 8.61 8.58 9.86 9.91
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 37,484,270 37,419,070 37,422,884 37,675,379 37,569,348
Avg Diluted Shares(actual) 37,464,725 37,432,283 37,441,855 37,635,798 37,549,576
Basic Book Value per Share 16.22 16 15.66 15.41 15.26
As-reported Book Value per Share 16.22 16 15.66 15.41 15.26
Basic Tangible Book Value per Share 14.73 14.51 14.17 13.93 13.78
Reported: Tangible Book Value 14.73 14.51 14.17 13.93 13.78
Common Dividends Declared per Share 0.14 0.14 0.14 0.14 0.14
EPS after Extra 0.39 0.41 0.35 0.32 0.30
EPS after Extra Growth(%) 30 NM 20.70 6.70 (77.90)
Core EPS 0.36 0.31 0.33 0.32 0.30
Core EPS Growth(%) 20.50 37.80 15.30 6.60 94.10
Diluted EPS before Amortization 0.39 0.41 0.35 0.32 0.30
Pre-Provision Earnings per Share 0.38 0.34 0.34 0.35 0.32
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