Financial Highlights

Financial Highlights
2017 FQ3
9/30/2017
2017 FQ2
6/30/2017
2017 FQ1
3/31/2017
2016 FQ4
12/31/2016
2016 FQ3
9/30/2016
Balance Sheet ($000)
Total Assets 6,444,429 6,258,184 6,095,370 6,005,430 5,821,786
Total Net Loans 5,956,751 5,854,896 5,731,195 5,615,886 5,470,117
Total Deposits 4,371,193 4,418,480 4,508,482 4,395,426 4,159,264
Equity Attributable to Parent Company 586,037 580,448 573,225 565,868 555,291
Total Equity 586,037 580,448 573,225 565,868 555,291
Profitability (%)
Net Income($000) 13,313 11,989 11,157 732 10,537
Net Income Attributable to Parent($000) 13,313 11,989 11,157 732 10,537
ROAA 0.85 0.78 0.74 0.05 0.75
Core ROAA NA 0.78 0.74 0.55 0.75
ROAE 9.14 8.32 7.83 0.52 7.63
ROATCE 10.08 9.17 8.66 0.56 8.46
Core ROAE NA 8.32 7.83 5.77 7.63
Net Interest Margin 2.53 2.57 2.57 2.67 2.59
Reported: Net Interest Margin 2.53 2.57 2.57 2.67 2.59
Efficiency Ratio 47.90 48.92 52.89 46.13 48.73
Noninterest Inc/ Operating Rev 10.02 4.39 4.53 4.58 5.53
Balance Sheet Ratios (%)
Loans/ Deposits 136.78 133.01 127.59 128.23 132
Securities/ Assets 1.49 1.06 1.04 1.11 1.18
Total Equity/ Total Assets 9.09 9.28 9.40 9.42 9.54
Tangible Equity/ Tangible Assets 8.30 8.46 8.57 8.58 8.67
Tang Common Equity/ Tang Assets 8.30 8.46 8.57 8.58 8.67
Asset Quality (%)
NPAs/ Assets 0.14 0.21 0.23 0.24 0.24
NPA Excl Restructured/ Assets 0.01 0.07 0.08 0.09 0.09
NPAs & 90+ PD/ Assets 0.20 0.23 0.24 0.29 0.28
NPAs/ Loans & REO 0.16 0.23 0.24 0.25 0.25
Nonaccrual & 90+ & OREO/ Assets 0.07 0.09 0.10 0.14 0.13
NPAs & 90+ PD/ Loans & REO 0.21 0.25 0.25 0.31 0.29
NPA & Loans 90+/ Tangible Common Equity + LLR 2.32 2.65 2.68 3.25 3.09
NCOs/ Avg Loans 0 0 0 0 0
Loan Loss Reserves/ Gross Loans 0.37 0.37 0.36 0.36 0.37
Reserves/ NPAs 235.62 165.96 152.75 144.66 144.30
Loan Loss Provision/ NCO NM NM NM NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 530,458 523,102 516,170 507,732
Tier 1 Capital($000) NA 598,973 591,617 584,684 576,247
Tier 2 Capital($000) NA 137,010 20,979 20,561 20,074
Total Capital($000) NA 735,983 612,596 605,245 596,321
Total Risk-weighted Assets($000) NA 4,919,958 4,722,158 4,511,109 4,516,382
Tier 1 Common Capital (CET1) Ratio(%) 10.65 10.78 11.08 11.44 11.24
Tier 1 Ratio(%) 10.65 12.17 12.53 12.95 12.76
Total Capital Ratio(%) 13.38 14.96 12.98 13.41 13.20
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.58 9.86 9.91 10.03 10.29
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 37,422,884 37,675,379 37,569,348 37,455,853 37,543,852
Avg Diluted Shares(actual) 37,441,855 37,635,798 37,549,576 36,803,342 36,788,307
Basic Book Value per Share 15.66 15.41 15.26 15.11 14.79
As-reported Book Value per Share 15.66 15.41 15.26 15.11 14.79
Basic Tangible Book Value per Share 14.17 13.93 13.78 13.62 13.31
Reported: Tangible Book Value 14.17 13.93 13.78 13.62 13.31
Common Dividends Declared per Share 0.14 0.14 0.14 0.14 0.14
EPS after Extra 0.35 0.32 0.30 0.02 0.29
EPS after Extra Growth(%) 20.70 6.70 (77.90) (93.50) 3.60
Core EPS NA 0.32 0.30 0.23 0.29
Core EPS Growth(%) NA 6.60 94.10 (26.50) 3.60
Diluted EPS before Amortization 0.35 0.32 0.30 0.02 0.29
Pre-Provision Earnings per Share 0.38 0.35 0.32 0.39 0.34
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