Financial Highlights
2018 FQ4
12/31/2018
2018 FQ3
9/30/2018
2018 FQ2
6/30/2018
2018 FQ1
3/31/2018
2017 FQ4
12/31/2017
Balance Sheet ($000)
Total Assets 6,320,578 6,294,193 6,253,175 6,325,917 6,403,460
Total Net Loans 5,373,133 5,392,037 5,383,806 5,486,222 5,581,084
Total Deposits 4,356,754 4,382,250 4,359,393 4,430,441 4,403,447
Equity Attributable to Parent Company 602,081 603,577 615,532 607,957 598,567
Total Equity 602,081 603,577 615,532 607,957 598,567
Profitability (%)
Net Income($000) 12,440 11,782 12,321 14,745 15,423
Net Income Attributable to Parent($000) 12,440 11,782 12,321 14,745 15,423
ROAA 0.80 0.76 0.79 0.93 0.96
Core ROAA 0.85 0.75 0.79 0.86 0.74
ROAE 8.25 7.71 8.06 9.77 10.41
ROATCE 9.05 8.46 8.84 10.74 11.46
Core ROAE 8.83 7.66 8.05 9.06 7.97
Net Interest Margin 2.46 2.33 2.39 2.47 2.50
Reported: Net Interest Margin 2.46 2.33 2.39 2.47 2.50
Efficiency Ratio 55.97 58.10 54.30 54.48 53.67
Noninterest Inc/ Operating Rev 5.68 5.71 5.78 4.71 7.92
Balance Sheet Ratios (%)
Loans/ Deposits 123.80 123.53 123.97 124.31 127.22
Securities/ Assets 8.96 8.43 7.68 6.53 6.52
Total Equity/ Total Assets 9.53 9.59 9.84 9.61 9.35
Tangible Equity/ Tangible Assets 8.72 8.78 9.03 8.81 8.55
Tang Common Equity/ Tang Assets 8.72 8.78 9.03 8.81 8.55
Asset Quality (%)
NPAs/ Assets 0.11 0.11 0.10 0.15 0.13
NPA Excl Restructured/ Assets 0.04 0.05 0.02 0.03 0.01
NPAs & 90+ PD/ Assets 0.11 0.13 0.18 0.37 0.45
NPAs/ Loans & REO 0.12 0.13 0.12 0.18 0.15
Nonaccrual & 90+ & OREO/ Assets 0.04 0.07 0.10 0.25 0.32
NPAs & 90+ PD/ Loans & REO 0.13 0.15 0.21 0.43 0.51
NPA & Loans 90+/ Tangible Common Equity + LLR 1.20 1.46 1.92 4.11 5.07
NCOs/ Avg Loans 0.01 0 0.10 0 0
Loan Loss Reserves/ Gross Loans 0.40 0.39 0.39 0.39 0.38
Reserves/ NPAs 324.43 301.95 333.13 216.94 243.32
Loan Loss Provision/ NCO 399.34 NM 83.50 NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 552,943 553,673 564,473 NA 546,571
Tier 1 Capital($000) 552,943 553,673 564,473 NA 546,571
Tier 2 Capital($000) 137,227 136,775 136,430 NA 136,478
Total Capital($000) 690,170 690,448 700,903 NA 683,049
Total Risk-weighted Assets($000) 4,808,021 4,747,696 4,722,022 NA 4,787,196
Tier 1 Common Capital (CET1) Ratio(%) 11.50 11.66 11.96 11.87 11.42
Tier 1 Ratio(%) 11.50 11.66 11.96 11.87 11.42
Total Capital Ratio(%) 14.35 14.54 14.85 14.79 14.27
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.92 8.96 9.09 8.79 8.61
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 36,081,455 36,612,153 37,591,261 37,484,270 37,419,070
Avg Diluted Shares(actual) 36,296,298 37,189,648 37,515,373 37,464,725 37,432,283
Basic Book Value per Share 16.69 16.49 16.37 16.22 16
Book Value per Share, As Reported 16.68 16.49 16.37 16.22 16
Basic Tangible Book Value per Share 15.14 14.97 14.89 14.73 14.51
Tangible Book Value per Share, As Reported 15.14 14.97 14.89 14.73 14.51
Common Dividends Declared per Share 0.14 0.14 0.14 0.14 0.14
EPS after Extra 0.34 0.32 0.33 0.39 0.41
EPS after Extra Growth(%) (17.10) (8.60) 3.10 30 NM
Core EPS 0.36 0.32 0.33 0.36 0.31
Core EPS Growth(%) 16 (5) 3 20.50 37.80
Diluted EPS before Amortization 0.34 0.32 0.33 0.39 0.41
Pre-Provision Earnings per Share 0.37 0.33 0.37 0.38 0.34
Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.