Investor Relations

Financial Highlights

Financial Highlights
2018 FQ2 YTD
6/30/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
Balance Sheet ($000)
Total Assets 7,462,156 7,537,620 7,467,586 7,311,354 7,001,199
Total Net Loans 5,275,522 5,322,495 5,221,233 5,011,591 4,775,330
Total Deposits 6,015,844 5,817,326 5,521,956 5,347,642 5,128,000
Equity Attributable to Parent Company 755,088 756,101 742,240 713,355 696,541
Total Equity 755,088 756,101 742,240 713,355 696,541
Profitability (%)
Net Income($000) 59,364 84,242 86,135 81,012 83,957
Net Income Attributable to Parent($000) 59,364 84,242 86,135 81,012 83,957
ROAA 1.59 1.09 1.16 1.11 1.22
Core ROAA 1.57 1.07 1.21 1.10 1.23
ROAE 15.79 11.15 11.68 11.40 12.34
ROATCE 17.47 12.33 12.94 12.70 13.81
Core ROAE 15.58 11 12.16 11.28 12.45
Net Interest Margin 3.81 3.48 3.52 3.39 3.55
Reported: Net Interest Margin 3.84 3.48 3.52 3.39 3.55
Efficiency Ratio 58.31 61.06 60.43 60.78 61.92
Noninterest Inc/ Operating Rev 25.68 25.70 24.67 25.06 24.65
Balance Sheet Ratios (%)
Loans/ Deposits 88.38 92.28 95.28 94.64 94.08
Securities/ Assets 20.28 20.07 21.16 22.49 21.44
Total Equity/ Total Assets 10.12 10.03 9.94 9.76 9.95
Tangible Equity/ Tangible Assets 9.24 9.16 9.06 8.86 9.01
Tang Common Equity/ Tang Assets 9.24 9.16 9.06 8.86 9.01
Asset Quality (%)
NPAs/ Assets 1.38 1.48 1.61 1.91 1.99
NPA Excl Restructured/ Assets 1.16 1.21 1.36 1.57 1.76
NPAs & 90+ PD/ Assets 1.40 1.50 1.63 1.93 2.03
NPAs/ Loans & REO 1.94 2.06 2.27 2.74 2.87
Nonaccrual & 90+ & OREO/ Assets 1.18 1.23 1.39 1.59 1.79
NPAs & 90+ PD/ Loans & REO 1.96 2.10 2.31 2.78 2.92
NPA & Loans 90+/ Tangible Common Equity + LLR 14.29 15.40 16.93 20.28 20.91
NCOs/ Avg Loans 0.08 0.17 0.02 0.06 (0.05)
Loan Loss Reserves/ Gross Loans 0.93 0.93 0.96 1.11 1.13
Reserves/ NPAs 47.94 44.95 42.21 40.49 39.03
Loan Loss Provision/ NCO 75.44 93.08 NM 175.21 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 737,763 710,221 687,651 656,664 639,339
Tier 1 Capital($000) 752,763 725,221 702,651 671,664 654,339
Tier 2 Capital($000) 49,534 50,646 81,755 87,324 NA
Total Capital($000) 802,297 775,867 784,406 758,988 739,517
Total Risk-weighted Assets($000) 5,474,249 5,487,257 5,360,462 5,238,497 4,885,274
Tier 1 Common Capital (CET1) Ratio(%) 13.48 12.94 12.83 12.54 13.09
Tier 1 Ratio(%) 13.75 13.22 13.11 12.82 13.39
Total Capital Ratio(%) 14.66 14.14 14.63 14.49 15.14
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.12 9.44 9.56 9.22 9.25
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 15,251,095 15,288,194 15,340,718 15,330,815 15,392,399
Avg Diluted Shares(actual) 15,424,585 15,390,352 15,405,160 15,404,740 15,413,832
Basic Book Value per Share 49.51 49.46 48.38 46.53 45.25
As-reported Book Value per Share 49.51 49.46 48.38 46.53 45.25
Basic Tangible Book Value per Share 44.77 44.73 43.67 41.81 40.55
Reported: Tangible Book Value 44.77 44.73 43.67 41.81 40.55
Common Dividends Declared per Share 2.15 3.76 3.76 3.76 3.76
EPS after Extra 3.85 5.47 5.59 5.26 5.45
EPS after Extra Growth(%) 51 (2.10) 6.30 (3.50) 9.20
Core EPS 3.80 5.40 5.82 5.20 5.50
Core EPS Growth(%) 49 (7.30) 12 (5.40) 9.90
Diluted EPS before Amortization 3.85 5.47 5.59 5.26 5.45
Pre-Provision Earnings per Share 3.68 5.26 5.20 4.94 4.82
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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