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Investor Relations

Financial Highlights
Financial Highlights
2017 FQ2 YTD
6/30/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
2013 FY
12/31/2013
Balance Sheet ($000)
Total Assets 2,992,126 2,837,555 2,708,546 2,485,360 2,110,028
Total Net Loans 2,647,155 2,529,253 2,351,235 2,122,334 1,804,173
Total Deposits 2,245,004 2,215,090 1,991,358 1,733,041 1,513,501
Equity Attributable to Parent Company 268,836 260,176 245,721 234,563 232,209
Total Equity 268,836 260,176 245,721 234,563 232,209
Profitability (%)
Net Income($000) 10,095 15,215 12,579 9,335 3,704
Net Income Attributable to Parent($000) 10,095 15,215 12,579 9,335 3,704
ROAA 0.70 0.55 0.48 0.41 0.19
Core ROAA 0.68 0.55 0.43 0.41 0.20
ROAE 7.55 5.98 5.20 3.98 1.57
ROATCE 7.54 5.95 5.12 3.89 1.52
Core ROAE 7.42 5.96 4.69 3.98 1.64
Net Interest Margin 2.90 2.80 2.81 2.94 2.97
Reported: Net Interest Margin 2.93 2.80 2.81 2.94 2.97
Efficiency Ratio 65.92 70.29 75.53 78.64 89.13
Noninterest Inc/ Operating Rev 14.77 15.09 14.42 12.68 16.58
Balance Sheet Ratios (%)
Loans/ Deposits 118.78 115.01 118.60 123.42 120.20
Securities/ Assets 6.11 5.39 6.88 9.01 8.39
Total Equity/ Total Assets 8.98 9.17 9.07 9.44 11.01
Tangible Equity/ Tangible Assets 8.98 9.17 9.07 9.44 11.01
Tang Common Equity/ Tang Assets 8.98 9.17 9.07 9.44 11.01
Asset Quality (%)
NPAs/ Assets 0.72 0.91 1.19 1.39 1.47
NPA Excl Restructured/ Assets 0.54 0.62 0.56 0.64 0.72
NPAs & 90+ PD/ Assets 0.72 0.91 1.19 1.39 1.47
NPAs/ Loans & REO 0.80 1.01 1.36 1.61 1.70
Nonaccrual & 90+ & OREO/ Assets 0.54 0.62 0.56 0.64 0.72
NPAs & 90+ PD/ Loans & REO 0.80 1.01 1.36 1.61 1.70
NPA & Loans 90+/ Tangible Common Equity + LLR 7.38 9.13 12.09 13.62 12.37
NCOs/ Avg Loans 0.04 0.04 0.05 0.10 0.03
Loan Loss Reserves/ Gross Loans 0.83 0.84 0.85 0.89 1
Reserves/ NPAs 102.68 83.70 62.84 54.91 59.11
Loan Loss Provision/ NCO 196.39 232.97 203 133.26 343.82
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 275,011 266,591 252,556 240,757 235,759
Tier 1 Capital($000) 275,011 266,591 252,556 240,757 235,759
Tier 2 Capital($000) 22,099 21,682 20,699 NA NA
Total Capital($000) 297,110 288,273 273,255 260,157 254,509
Total Risk-weighted Assets($000) 2,385,178 2,251,407 2,121,137 1,894,578 1,641,927
Tier 1 Common Capital (CET1) Ratio(%) 11.53 11.84 11.91 12.70 14.36
Tier 1 Ratio(%) 11.53 11.84 11.91 12.70 14.36
Total Capital Ratio(%) 12.45 12.80 12.88 13.73 15.50
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.36 9.39 9.39 9.86 11.47
Basel III Leverage Ratio(%) NA NA NA NA NA
Pre-Provision Earnings per Share 0.61 1 0.81 0.64 0.28
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.