Financial Highlights

Financial Highlights
2018 FQ2
6/30/2018
2018 FQ1
3/31/2018
2017 FQ4
12/31/2017
2017 FQ3
9/30/2017
2017 FQ2
6/30/2017
Balance Sheet ($000)
Total Assets 6,253,175 6,325,917 6,403,460 6,444,429 6,258,184
Total Net Loans 5,383,806 5,486,222 5,581,084 5,956,751 5,854,896
Total Deposits 4,359,393 4,430,441 4,403,447 4,371,193 4,418,480
Equity Attributable to Parent Company 615,532 607,957 598,567 586,037 580,448
Total Equity 615,532 607,957 598,567 586,037 580,448
Profitability (%)
Net Income($000) 12,321 14,745 15,423 13,313 11,989
Net Income Attributable to Parent($000) 12,321 14,745 15,423 13,313 11,989
ROAA 0.79 0.93 0.96 0.85 0.78
Core ROAA 0.79 0.86 0.74 0.81 0.78
ROAE 8.06 9.77 10.41 9.14 8.32
ROATCE 8.84 10.74 11.46 10.08 9.17
Core ROAE 8.05 9.06 7.97 8.74 8.32
Net Interest Margin 2.39 2.47 2.50 2.53 2.57
Reported: Net Interest Margin 2.39 2.47 2.50 2.53 2.57
Efficiency Ratio 54.30 54.48 53.67 51.02 48.92
Noninterest Inc/ Operating Rev 5.78 4.71 7.92 4.18 4.39
Balance Sheet Ratios (%)
Loans/ Deposits 123.97 124.31 127.22 136.78 133.01
Securities/ Assets 7.68 6.53 6.52 1.49 1.06
Total Equity/ Total Assets 9.84 9.61 9.35 9.09 9.28
Tangible Equity/ Tangible Assets 9.03 8.81 8.55 8.30 8.46
Tang Common Equity/ Tang Assets 9.03 8.81 8.55 8.30 8.46
Asset Quality (%)
NPAs/ Assets 0.10 0.15 0.13 0.14 0.21
NPA Excl Restructured/ Assets 0.02 0.03 0.01 0.01 0.07
NPAs & 90+ PD/ Assets 0.18 0.37 0.45 0.20 0.23
NPAs/ Loans & REO 0.12 0.18 0.15 0.16 0.23
Nonaccrual & 90+ & OREO/ Assets 0.10 0.25 0.32 0.07 0.09
NPAs & 90+ PD/ Loans & REO 0.21 0.43 0.51 0.21 0.25
NPA & Loans 90+/ Tangible Common Equity + LLR 1.92 4.11 5.07 2.32 2.65
NCOs/ Avg Loans 0.10 0 0 0 0
Loan Loss Reserves/ Gross Loans 0.39 0.39 0.38 0.37 0.37
Reserves/ NPAs 333.13 216.94 243.32 235.62 165.96
Loan Loss Provision/ NCO 83.50 NM NM NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA NA 546,571 535,110 530,458
Tier 1 Capital($000) NA NA 546,571 535,110 598,973
Tier 2 Capital($000) NA NA 136,478 137,032 137,010
Total Capital($000) NA NA 683,049 672,142 735,983
Total Risk-weighted Assets($000) NA NA 4,787,196 5,023,809 4,919,958
Tier 1 Common Capital (CET1) Ratio(%) 11.96 11.87 11.42 10.65 10.78
Tier 1 Ratio(%) 11.96 11.87 11.42 10.65 12.17
Total Capital Ratio(%) 14.85 14.79 14.27 13.38 14.96
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.09 8.79 8.61 8.58 9.86
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 37,591,261 37,484,270 37,419,070 37,422,884 37,675,379
Avg Diluted Shares(actual) 37,515,373 37,464,725 37,432,283 37,441,855 37,635,798
Basic Book Value per Share 16.37 16.22 16 15.66 15.41
As-reported Book Value per Share 16.37 16.22 16 15.66 15.41
Basic Tangible Book Value per Share 14.89 14.73 14.51 14.17 13.93
Reported: Tangible Book Value 14.89 14.73 14.51 14.17 13.93
Common Dividends Declared per Share 0.14 0.14 0.14 0.14 0.14
EPS after Extra 0.33 0.39 0.41 0.35 0.32
EPS after Extra Growth(%) 3.10 30 NM 20.70 6.70
Core EPS 0.33 0.36 0.31 0.33 0.32
Core EPS Growth(%) 3 20.50 37.80 15.30 6.60
Diluted EPS before Amortization 0.33 0.39 0.41 0.35 0.32
Pre-Provision Earnings per Share 0.37 0.38 0.34 0.34 0.35
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