Investor Relations

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 8,657,453 7,804,308 7,537,620 7,467,586 7,311,354
Total Net Loans 6,322,734 5,640,620 5,322,495 5,221,233 5,011,591
Total Deposits 7,032,120 6,260,860 5,817,326 5,521,956 5,347,642
Equity Attributable to Parent Company 934,432 832,506 756,101 742,240 713,355
Total Equity 934,432 832,506 756,101 742,240 713,355
Profitability (%)
Net Income($000) 47,618 110,387 84,242 86,135 81,012
Net Income Attributable to Parent($000) 47,618 110,387 84,242 86,135 81,012
ROAA 1.16 1.45 1.09 1.16 1.11
Core ROAA 1.28 1.47 1.07 1.21 1.10
ROAE 10.73 14.08 11.15 11.68 11.40
ROATCE 12.83 15.97 12.33 12.94 12.70
Core ROAE 11.79 14.29 11 12.16 11.28
Net Interest Margin 3.86 3.84 3.48 3.52 3.39
Reported: Net Interest Margin 3.89 3.84 3.48 3.52 3.39
Efficiency Ratio 63.52 60.33 61.06 61.08 61.55
Noninterest Inc/ Operating Rev 23.34 25.99 25.70 25.91 26.53
Balance Sheet Ratios (%)
Loans/ Deposits 90.49 90.85 92.28 95.28 94.64
Securities/ Assets 16.13 18.30 20.07 21.16 22.49
Total Equity/ Total Assets 10.79 10.67 10.03 9.94 9.76
Tangible Equity/ Tangible Assets 8.96 9.28 9.16 9.06 8.86
Tang Common Equity/ Tang Assets 8.96 9.28 9.16 9.06 8.86
Asset Quality (%)
NPAs/ Assets 1.06 1.16 1.48 1.61 1.91
NPA Excl Restructured/ Assets 0.85 0.97 1.21 1.36 1.57
NPAs & 90+ PD/ Assets 1.09 1.19 1.50 1.63 1.93
NPAs/ Loans & REO 1.44 1.59 2.06 2.27 2.74
Nonaccrual & 90+ & OREO/ Assets 0.88 1 1.23 1.39 1.59
NPAs & 90+ PD/ Loans & REO 1.48 1.63 2.10 2.31 2.78
NPA & Loans 90+/ Tangible Common Equity + LLR 11.57 12.19 15.40 16.93 20.28
NCOs/ Avg Loans 0.06 0.12 0.17 0.02 0.06
Loan Loss Reserves/ Gross Loans 0.85 0.90 0.93 0.96 1.11
Reserves/ NPAs 58.85 56.67 44.95 42.21 40.49
Loan Loss Provision/ NCO 229.34 123.73 93.08 NM 175.21
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 785,294 759,369 710,221 687,651 656,664
Tier 1 Capital($000) 800,294 774,369 725,221 702,651 671,664
Tier 2 Capital($000) 54,162 51,637 50,646 81,755 87,324
Total Capital($000) 854,456 826,006 775,867 784,406 758,988
Total Risk-weighted Assets($000) 6,563,483 5,821,656 5,487,257 5,360,462 5,238,497
Tier 1 Common Capital (CET1) Ratio(%) 11.96 13.04 12.94 12.83 12.54
Tier 1 Ratio(%) 12.19 13.30 13.22 13.11 12.82
Total Capital Ratio(%) 13.02 14.19 14.14 14.63 14.49
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.48 10.04 9.44 9.56 9.22
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 16,417,562 15,698,178 15,288,194 15,340,718 15,330,815
Avg Diluted Shares(actual) 16,193,643 15,611,489 15,390,352 15,405,160 15,404,740
Basic Book Value per Share 56.92 53.03 49.46 48.38 46.53
Book Value per Share, As Reported 56.92 53.03 49.46 48.38 46.53
Basic Tangible Book Value per Share 46.30 45.41 44.73 43.67 41.81
Tangible Book Value per Share, As Reported 46.30 45.41 44.73 43.67 41.81
Common Dividends Declared per Share 2.22 4.07 3.76 3.76 3.76
EPS after Extra 2.94 7.07 5.47 5.59 5.26
EPS after Extra Growth(%) (23.60) 29.30 (2.10) 6.30 (3.50)
Core EPS 3.23 7.18 5.40 5.82 5.20
Core EPS Growth(%) (14.20) 33 (7.30) 12 (5.40)
Diluted EPS before Amortization 3 7.11 5.47 5.59 5.26
Pre-Provision Earnings per Share 3.24 7.12 5.26 5.20 4.94
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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