Financial Highlights
2019 FQ1
3/31/2019
2018 FQ4
12/31/2018
2018 FQ3
9/30/2018
2018 FQ2
6/30/2018
2018 FQ1
3/31/2018
Balance Sheet ($000)
Total Assets 6,475,301 6,320,578 6,294,193 6,253,175 6,325,917
Total Net Loans 5,485,177 5,373,133 5,392,037 5,383,806 5,486,222
Total Deposits 4,407,622 4,356,754 4,382,250 4,359,393 4,430,441
Equity Attributable to Parent Company 606,274 602,081 603,577 615,532 607,957
Total Equity 606,274 602,081 603,577 615,532 607,957
Profitability (%)
Net Income($000) 11,501 12,440 11,782 12,321 14,745
Net Income Attributable to Parent($000) 11,501 12,440 11,782 12,321 14,745
ROAA 0.72 0.80 0.76 0.79 0.93
Core ROAA 0.71 0.85 0.75 0.79 0.86
ROAE 7.62 8.25 7.71 8.06 9.77
ROATCE NA 9.05 8.46 8.84 10.74
Core ROAE 7.51 8.83 7.66 8.05 9.06
Net Interest Margin 2.31 2.46 2.33 2.39 2.47
Reported: Net Interest Margin 2.31 2.46 2.33 2.39 2.47
Efficiency Ratio 58.82 55.97 58.10 54.30 54.48
Noninterest Inc/ Operating Rev 5.78 5.68 5.71 5.78 4.71
Balance Sheet Ratios (%)
Loans/ Deposits 124.93 123.80 123.53 123.97 124.31
Securities/ Assets 8.85 8.96 8.43 7.68 6.53
Total Equity/ Total Assets 9.36 9.53 9.59 9.84 9.61
Tangible Equity/ Tangible Assets NA 8.72 8.78 9.03 8.81
Tang Common Equity/ Tang Assets NA 8.72 8.78 9.03 8.81
Asset Quality (%)
NPAs/ Assets 0.15 0.11 0.11 0.10 0.15
NPA Excl Restructured/ Assets 0.08 0.04 0.05 0.02 0.03
NPAs & 90+ PD/ Assets 0.26 0.11 0.13 0.18 0.37
NPAs/ Loans & REO 0.18 0.12 0.13 0.12 0.18
Nonaccrual & 90+ & OREO/ Assets 0.19 0.04 0.07 0.10 0.25
NPAs & 90+ PD/ Loans & REO 0.30 0.13 0.15 0.21 0.43
NPA & Loans 90+/ Tangible Common Equity + LLR NA 1.20 1.46 1.92 4.11
NCOs/ Avg Loans 0.01 0.01 0 0.10 0
Loan Loss Reserves/ Gross Loans 0.40 0.40 0.39 0.39 0.39
Reserves/ NPAs 224.83 324.43 301.95 333.13 216.94
Loan Loss Provision/ NCO 198.15 399.34 NM 83.50 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 552,943 553,673 564,473 NA
Tier 1 Capital($000) NA 552,943 553,673 564,473 NA
Tier 2 Capital($000) NA 137,227 136,775 136,430 NA
Total Capital($000) NA 690,170 690,448 700,903 NA
Total Risk-weighted Assets($000) NA 4,808,021 4,747,696 4,722,022 NA
Tier 1 Common Capital (CET1) Ratio(%) 11.04 11.50 11.66 11.96 11.87
Tier 1 Ratio(%) 11.04 11.50 11.66 11.96 11.87
Total Capital Ratio(%) 13.77 14.35 14.54 14.85 14.79
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.81 8.92 8.96 9.09 8.79
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 36,020,112 36,081,455 36,612,153 37,591,261 37,484,270
Avg Diluted Shares(actual) 35,976,915 36,296,298 37,189,648 37,515,373 37,464,725
Basic Book Value per Share 16.83 16.69 16.49 16.37 16.22
Book Value per Share, As Reported 16.83 16.69 16.49 16.37 16.22
Basic Tangible Book Value per Share NA 15.14 14.97 14.89 14.73
Tangible Book Value per Share, As Reported 15.29 15.14 14.97 14.89 14.73
Common Dividends Declared per Share 0.14 0.14 0.14 0.14 0.14
EPS after Extra 0.32 0.34 0.32 0.33 0.39
EPS after Extra Growth(%) (17.90) (17.10) (8.60) 3.10 30
Core EPS 0.32 0.36 0.32 0.33 0.36
Core EPS Growth(%) (12.60) 16 (5) 3 20.50
Diluted EPS before Amortization NA 0.34 0.32 0.33 0.39
Pre-Provision Earnings per Share 0.34 0.37 0.33 0.37 0.38
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