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Investor Relations

Financial Highlights
Financial Highlights
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
2013 FY
12/31/2013
2012 FY
12/31/2012
Balance Sheet ($000)
Total Assets 2,837,555 2,708,546 2,485,360 2,110,028 1,823,153
Total Net Loans 2,529,253 2,351,235 2,122,334 1,804,173 1,529,796
Total Deposits 2,215,090 1,991,358 1,733,041 1,513,501 1,330,455
Equity Attributable to Parent Company 260,176 245,721 234,563 232,209 241,795
Total Equity 260,176 245,721 234,563 232,209 241,795
Profitability (%)
Net Income($000) 15,215 12,579 9,335 3,704 3,707
Net Income Attributable to Parent($000) 15,215 12,579 9,335 3,704 3,707
ROAA 0.55 0.48 0.41 0.19 0.22
Core ROAA 0.55 0.43 0.41 0.20 0.22
ROAE 5.98 5.20 3.98 1.57 1.49
ROATCE 5.95 5.12 3.89 1.52 1.47
Core ROAE 5.96 4.69 3.98 1.64 1.53
Net Interest Margin 2.80 2.81 2.94 2.97 3.31
Reported: Net Interest Margin 2.80 2.81 2.94 2.97 3.32
Efficiency Ratio 70.29 75.53 78.64 89.13 89.46
Noninterest Inc/ Operating Rev 15.09 14.42 12.68 16.58 14.48
Balance Sheet Ratios (%)
Loans/ Deposits 115.01 118.60 123.42 120.20 115.55
Securities/ Assets 5.39 6.88 9.01 8.39 8.24
Total Equity/ Total Assets 9.17 9.07 9.44 11.01 13.26
Tangible Equity/ Tangible Assets 9.17 9.07 9.44 11.01 13.26
Tang Common Equity/ Tang Assets 9.17 9.07 9.44 11.01 13.26
Asset Quality (%)
NPAs/ Assets 0.91 1.19 1.39 1.47 2
NPA Excl Restructured/ Assets 0.62 0.56 0.64 0.72 0.79
NPAs & 90+ PD/ Assets 0.91 1.19 1.39 1.47 2
NPAs/ Loans & REO 1.01 1.36 1.61 1.70 2.36
Nonaccrual & 90+ & OREO/ Assets 0.62 0.56 0.64 0.72 0.79
NPAs & 90+ PD/ Loans & REO 1.01 1.36 1.61 1.70 2.36
NPA & Loans 90+/ Tangible Common Equity + LLR 9.13 12.09 13.62 12.37 14.07
NCOs/ Avg Loans 0.04 0.05 0.10 0.03 0.12
Loan Loss Reserves/ Gross Loans 0.84 0.85 0.89 1 1.11
Reserves/ NPAs 83.70 62.84 54.91 59.11 47.26
Loan Loss Provision/ NCO 232.97 203 133.26 343.82 81.95
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 266,591 252,556 240,757 235,759 247,619
Tier 1 Capital($000) 266,591 252,556 240,757 235,759 247,619
Tier 2 Capital($000) 21,682 20,699 NA NA NA
Total Capital($000) 288,273 273,255 260,157 254,509 265,242
Total Risk-weighted Assets($000) 2,251,407 2,121,137 1,894,578 1,641,927 1,410,850
Tier 1 Common Capital (CET1) Ratio(%) 11.84 11.91 12.70 14.36 17.55
Tier 1 Ratio(%) 11.84 11.91 12.70 14.36 17.55
Total Capital Ratio(%) 12.80 12.88 13.73 15.50 18.80
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.39 9.39 9.86 11.47 13.89
Supplementary Leverage Ratio(%) NA NA NA NA NA
Pre-Provision Earnings per Share 1 0.81 0.64 0.28 0.25
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.