Financial Highlights

Financial Highlights
2019 FQ2 YTD
6/30/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
Balance Sheet ($000)
Total Assets 4,062,908 4,039,599 4,112,292 4,505,529 4,893,968
Total Net Loans 2,835,294 2,667,152 2,649,644 2,697,283 2,611,862
Total Deposits 3,577,480 3,591,181 3,669,615 4,063,839 4,454,561
Equity Attributable to Parent Company 464,233 436,214 432,126 434,650 426,549
Total Equity 464,233 436,214 432,126 434,650 426,549
Profitability (%)
Net Income($000) 15,368 11,905 (681) 15,979 39,158
Net Income Attributable to Parent($000) 15,368 11,905 (681) 15,979 39,158
ROAA 0.76 0.29 (0.02) 0.33 0.82
Core ROAA 0.75 0.48 0.24 0.33 0.85
ROAE 6.83 2.75 (0.16) 3.67 9.52
ROATCE 7.86 3.21 (0.17) 4.26 11.62
Core ROAE 6.76 4.48 2.40 3.67 9.91
Net Interest Margin 3 3.10 2.80 2.40 2.51
Reported: Net Interest Margin 3.06 3.10 2.80 2.40 2.51
Efficiency Ratio 67.96 60.14 55.16 54.96 48.92
Noninterest Inc/ Operating Rev 10.79 10.26 9.29 9.98 9.58
Balance Sheet Ratios (%)
Loans/ Deposits 80.10 75.29 73.15 67.22 59.24
Securities/ Assets 20.28 19.77 23.38 19.82 29.31
Total Equity/ Total Assets 11.43 10.80 10.51 9.65 8.72
Tangible Equity/ Tangible Assets 10.13 9.48 9.19 8.43 7.59
Tang Common Equity/ Tang Assets 10.13 9.48 9.19 8.43 7.59
Asset Quality (%)
NPAs/ Assets 4.51 4.93 9.42 4.67 4.09
NPA Excl Restructured/ Assets 1.71 2.09 3.23 3.17 2.95
NPAs & 90+ PD/ Assets 4.51 4.93 9.43 4.69 4.10
NPAs/ Loans & REO 6.33 7.27 14.22 7.64 7.46
Nonaccrual & 90+ & OREO/ Assets 1.71 2.09 3.24 3.19 2.96
NPAs & 90+ PD/ Loans & REO 6.33 7.27 14.24 7.66 7.48
NPA & Loans 90+/ Tangible Common Equity + LLR 41.17 47.81 95.17 51.57 50.96
NCOs/ Avg Loans 0.15 0.47 1.56 0.38 0.02
Loan Loss Reserves/ Gross Loans 1.39 1.45 1.32 1.26 1.02
Reserves/ NPAs 21.81 19.68 9.12 16.39 13.48
Loan Loss Provision/ NCO 136.99 129.88 101.93 173.58 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 402,824 387,554 374,506 374,855 366,721
Tier 1 Capital($000) 402,824 387,554 374,506 374,855 366,721
Tier 2 Capital($000) 37,804 34,744 35,466 34,500 21,495
Total Capital($000) 440,628 422,298 409,972 409,355 388,216
Total Risk-weighted Assets($000) 3,021,599 2,774,784 2,896,801 3,067,403 3,226,924
Tier 1 Common Capital (CET1) Ratio(%) 13.33 13.97 12.93 12.22 11.36
Tier 1 Ratio(%) 13.33 13.97 12.93 12.22 11.36
Total Capital Ratio(%) 14.58 15.22 14.15 13.35 12.03
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.86 9.69 9.33 8.10 7.61
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 26,333,929 26,270,174 26,257,761 26,257,761 26,257,761
Avg Diluted Shares(actual) 26,320,530 26,259,223 26,257,761 26,257,761 26,257,761
Basic Book Value per Share 17.63 16.60 16.46 16.55 16.24
Book Value per Share, As Reported 17.63 16.60 NA NA NA
Basic Tangible Book Value per Share 15.40 14.37 14.18 14.28 13.97
Tangible Book Value per Share, As Reported 15.40 14.37 NA NA NA
Common Dividends Declared per Share 0 0 0 0.30 0.40
EPS after Extra 0.58 0.45 (0.03) 0.61 1.49
EPS after Extra Growth(%) (4.90) NM NM (59.10) 17.30
Core EPS 0.57 0.73 0.46 0.61 1.55
Core EPS Growth(%) (17.90) 57.90 (24) (60.60) 6.70
Diluted EPS before Amortization 0.58 0.45 (0.03) 0.61 1.58
Pre-Provision Earnings per Share 0.57 1.21 1.08 0.88 1.30
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.
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