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Investor Relations

Financial Highlights
Financial Highlights
2018 FQ1 YTD
3/31/2018
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 3,137,645 3,055,050 2,837,555 2,708,546 2,485,360
Total Net Loans 2,800,167 2,730,928 2,529,253 2,351,235 2,122,334
Total Deposits 2,443,357 2,434,100 2,215,090 1,991,358 1,733,041
Equity Attributable to Parent Company 276,861 272,459 260,176 245,721 234,563
Total Equity 276,861 272,459 260,176 245,721 234,563
Profitability (%)
Net Income($000) 6,011 16,189 15,215 12,579 9,335
Net Income Attributable to Parent($000) 6,011 16,189 15,215 12,579 9,335
ROAA 0.78 0.55 0.55 0.48 0.41
Core ROAA 0.79 0.71 0.55 0.43 0.41
ROAE 8.68 5.96 5.98 5.20 3.98
ROATCE 8.65 5.95 5.95 5.12 3.89
Core ROAE 8.78 7.73 5.96 4.69 3.98
Net Interest Margin 2.86 2.93 2.80 2.81 2.94
Reported: Net Interest Margin 2.90 2.93 2.80 2.81 2.94
Efficiency Ratio 66.40 64.81 70.29 75.53 78.64
Noninterest Inc/ Operating Rev 13.38 14.12 15.09 14.42 12.68
Balance Sheet Ratios (%)
Loans/ Deposits 115.28 112.90 115.01 118.60 123.42
Securities/ Assets 6.20 5.82 5.39 6.88 9.01
Total Equity/ Total Assets 8.82 8.92 9.17 9.07 9.44
Tangible Equity/ Tangible Assets 8.82 8.92 9.17 9.07 9.44
Tang Common Equity/ Tang Assets 8.82 8.92 9.17 9.07 9.44
Asset Quality (%)
NPAs/ Assets 0.71 0.72 0.91 1.19 1.39
NPA Excl Restructured/ Assets 0.48 0.52 0.62 0.56 0.64
NPAs & 90+ PD/ Assets 0.71 0.72 0.91 1.19 1.39
NPAs/ Loans & REO 0.79 0.80 1.01 1.36 1.61
Nonaccrual & 90+ & OREO/ Assets 0.48 0.52 0.62 0.56 0.64
NPAs & 90+ PD/ Loans & REO 0.79 0.80 1.01 1.36 1.61
NPA & Loans 90+/ Tangible Common Equity + LLR 7.44 7.45 9.13 12.09 13.62
NCOs/ Avg Loans 0.04 0.02 0.04 0.05 0.10
Loan Loss Reserves/ Gross Loans 0.80 0.82 0.84 0.85 0.89
Reserves/ NPAs 101.52 102.20 83.70 62.84 54.91
Loan Loss Provision/ NCO 158.70 245.41 232.97 203 133.26
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 284,259 278,426 266,591 252,556 240,757
Tier 1 Capital($000) 284,259 278,426 266,591 252,556 240,757
Tier 2 Capital($000) 22,705 22,450 21,682 20,699 NA
Total Capital($000) 306,964 300,876 288,273 273,255 260,157
Total Risk-weighted Assets($000) 2,479,121 2,431,068 2,251,407 2,121,137 1,894,578
Tier 1 Common Capital (CET1) Ratio(%) 11.47 11.45 11.84 11.91 12.70
Tier 1 Ratio(%) 11.47 11.45 11.84 11.91 12.70
Total Capital Ratio(%) 12.38 12.38 12.80 12.88 13.73
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.17 9.23 9.39 9.39 9.86
Basel III Leverage Ratio(%) NA NA NA NA NA
Pre-Provision Earnings per Share 0.40 1.28 1 0.81 0.64
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