Financial Highlights

Financial Highlights
2018 FQ3
9/30/2018
2018 FQ2
6/30/2018
2018 FQ1
3/31/2018
2017 FQ4
12/31/2017
2017 FQ3
9/30/2017
Balance Sheet ($000)
Total Assets 6,294,193 6,253,175 6,325,917 6,403,460 6,444,429
Total Net Loans 5,392,037 5,383,806 5,486,222 5,581,084 5,956,751
Total Deposits 4,382,250 4,359,393 4,430,441 4,403,447 4,371,193
Equity Attributable to Parent Company 603,577 615,532 607,957 598,567 586,037
Total Equity 603,577 615,532 607,957 598,567 586,037
Profitability (%)
Net Income($000) 11,782 12,321 14,745 15,423 13,313
Net Income Attributable to Parent($000) 11,782 12,321 14,745 15,423 13,313
ROAA 0.76 0.79 0.93 0.96 0.85
Core ROAA 0.75 0.79 0.86 0.74 0.81
ROAE 7.71 8.06 9.77 10.41 9.14
ROATCE 8.46 8.84 10.74 11.46 10.08
Core ROAE 7.66 8.05 9.06 7.97 8.74
Net Interest Margin 2.33 2.39 2.47 2.50 2.53
Reported: Net Interest Margin 2.33 2.39 2.47 2.50 2.53
Efficiency Ratio 58.10 54.30 54.48 53.67 51.02
Noninterest Inc/ Operating Rev 5.71 5.78 4.71 7.92 4.18
Balance Sheet Ratios (%)
Loans/ Deposits 123.53 123.97 124.31 127.22 136.78
Securities/ Assets 8.43 7.68 6.53 6.52 1.49
Total Equity/ Total Assets 9.59 9.84 9.61 9.35 9.09
Tangible Equity/ Tangible Assets 8.78 9.03 8.81 8.55 8.30
Tang Common Equity/ Tang Assets 8.78 9.03 8.81 8.55 8.30
Asset Quality (%)
NPAs/ Assets 0.11 0.10 0.15 0.13 0.14
NPA Excl Restructured/ Assets 0.05 0.02 0.03 0.01 0.01
NPAs & 90+ PD/ Assets 0.13 0.18 0.37 0.45 0.20
NPAs/ Loans & REO 0.13 0.12 0.18 0.15 0.16
Nonaccrual & 90+ & OREO/ Assets 0.07 0.10 0.25 0.32 0.07
NPAs & 90+ PD/ Loans & REO 0.15 0.21 0.43 0.51 0.21
NPA & Loans 90+/ Tangible Common Equity + LLR 1.46 1.92 4.11 5.07 2.32
NCOs/ Avg Loans 0 0.10 0 0 0
Loan Loss Reserves/ Gross Loans 0.39 0.39 0.39 0.38 0.37
Reserves/ NPAs 301.95 333.13 216.94 243.32 235.62
Loan Loss Provision/ NCO NM 83.50 NM NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 553,673 564,473 NA 546,571 535,110
Tier 1 Capital($000) 553,673 564,473 NA 546,571 535,110
Tier 2 Capital($000) 136,775 136,430 NA 136,478 137,032
Total Capital($000) 690,448 700,903 NA 683,049 672,142
Total Risk-weighted Assets($000) 4,747,696 4,722,022 NA 4,787,196 5,023,809
Tier 1 Common Capital (CET1) Ratio(%) 11.66 11.96 11.87 11.42 10.65
Tier 1 Ratio(%) 11.66 11.96 11.87 11.42 10.65
Total Capital Ratio(%) 14.54 14.85 14.79 14.27 13.38
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.96 9.09 8.79 8.61 8.58
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 36,612,153 37,591,261 37,484,270 37,419,070 37,422,884
Avg Diluted Shares(actual) 37,189,648 37,515,373 37,464,725 37,432,283 37,441,855
Basic Book Value per Share 16.49 16.37 16.22 16 15.66
Book Value per Share, As Reported 16.49 16.37 16.22 16 15.66
Basic Tangible Book Value per Share 14.97 14.89 14.73 14.51 14.17
Tangible Book Value per Share, As Reported 14.97 14.89 14.73 14.51 14.17
Common Dividends Declared per Share 0.14 0.14 0.14 0.14 0.14
EPS after Extra 0.32 0.33 0.39 0.41 0.35
EPS after Extra Growth(%) (8.60) 3.10 30 NM 20.70
Core EPS 0.32 0.33 0.36 0.31 0.33
Core EPS Growth(%) (5) 3 20.50 37.80 15.30
Diluted EPS before Amortization 0.32 0.33 0.39 0.41 0.35
Pre-Provision Earnings per Share 0.33 0.37 0.38 0.34 0.34
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