Financial Highlights

Financial Highlights
2018 FQ3 YTD
9/30/2018
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 2,657,206 2,322,347 1,923,931 1,438,824 1,214,598
Total Net Loans 1,403,543 1,199,379 983,882 869,719 772,080
Total Deposits 2,400,358 2,063,295 1,677,670 1,249,298 1,072,230
Equity Attributable to Parent Company 235,824 226,460 215,053 113,375 112,811
Total Equity 235,824 226,460 215,053 113,375 112,811
Profitability (%)
Net Income($000) 6,470 8,905 4,945 2,433 2,442
Net Income Attributable to Parent($000) 6,470 8,905 4,945 2,433 2,442
ROAA 0.35 0.43 0.30 0.19 0.23
Core ROAA 0.35 0.81 0.28 0.05 0.20
ROAE 3.72 4.02 3.97 2.14 2.51
ROATCE 3.80 4.13 4.05 2.14 2.51
Core ROAE 3.72 7.54 3.65 0.62 2.21
Net Interest Margin 3.17 3.23 3.14 3.29 3.56
Reported: Net Interest Margin 3.18 3.23 3.14 3.29 3.56
Efficiency Ratio 84.70 85.50 85.93 89.37 88.54
Noninterest Inc/ Operating Rev 21.63 24.59 23.64 15.39 17.44
Balance Sheet Ratios (%)
Loans/ Deposits 57.44 56.33 57.52 70.02 72.93
Securities/ Assets 36.68 40.44 41.80 32.03 21
Total Equity/ Total Assets 8.87 9.75 11.18 7.88 9.29
Tangible Equity/ Tangible Assets 8.70 9.56 10.94 7.88 9.29
Tang Common Equity/ Tang Assets 8.70 9.56 10.94 7.88 9.29
Asset Quality (%)
NPAs/ Assets 1 1.28 1.80 2.08 2.72
NPA Excl Restructured/ Assets 0.76 0.94 1.50 1.66 2.07
NPAs & 90+ PD/ Assets 1 1.28 1.82 2.08 2.72
NPAs/ Loans & REO 1.88 2.44 3.46 3.37 4.20
Nonaccrual & 90+ & OREO/ Assets 0.76 0.94 1.51 1.66 2.07
NPAs & 90+ PD/ Loans & REO 1.88 2.44 3.49 3.37 4.20
NPA & Loans 90+/ Tangible Common Equity + LLR 11.13 12.90 15.96 24.55 26.60
NCOs/ Avg Loans 0.23 0.13 0.12 0.41 0.22
Loan Loss Reserves/ Gross Loans 0.57 0.71 0.92 0.99 1.47
Reserves/ NPAs 30.39 28.97 26.41 29.04 34.88
Loan Loss Provision/ NCO 76.75 61.81 140.90 15 55.32
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 240,534 220,433 214,088 114,586 109,221
Tier 1 Capital($000) 251,534 240,911 235,888 136,386 131,020
Tier 2 Capital($000) 8,084 8,599 9,155 8,703 NA
Total Capital($000) 259,618 249,510 245,043 145,089 142,556
Total Risk-weighted Assets($000) 1,686,774 1,494,019 1,290,321 1,099,701 944,286
Tier 1 Common Capital (CET1) Ratio(%) 14.26 14.75 16.59 10.42 11.57
Tier 1 Ratio(%) 14.91 16.13 18.28 12.40 13.88
Total Capital Ratio(%) 15.39 16.70 18.99 13.19 15.10
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.75 10.64 12.74 9.65 11.23
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 58,788,603 56,989,764 56,754,867 37,837,003 37,815,503
Avg Diluted Shares(actual) 59,338,000 58,250,000 39,865,000 38,094,000 34,591,000
Basic Book Value per Share 4.01 3.97 3.79 3 2.98
Book Value per Share, As Reported 4.01 3.97 3.79 3 2.98
Basic Tangible Book Value per Share 3.93 3.89 3.70 3 2.98
Tangible Book Value per Share, As Reported NA 3.89 3.70 3 2.98
EPS after Extra 0.11 0.15 0.12 0.06 0.07
EPS after Extra Growth(%) 0 25 100 (14.30) NM
Core EPS 0.11 0.28 0.11 0.02 0.06
Core EPS Growth(%) (1.20) 154.70 533.40 (71.70) NM
Diluted EPS before Amortization 0.11 0.15 0.12 0.06 0.07
Pre-Provision Earnings per Share 0.13 0.08 0.09 0 0.05
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