Financial Highlights

Financial Highlights
2019 FQ1 YTD
3/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
Balance Sheet ($000)
Total Assets 2,805,060 2,753,297 2,322,347 1,923,931 1,438,824
Total Net Loans 1,484,928 1,454,274 1,199,379 983,882 869,719
Total Deposits 2,478,953 2,392,867 2,063,295 1,677,670 1,249,298
Equity Attributable to Parent Company 248,385 245,189 226,460 215,053 113,375
Total Equity 248,385 245,189 226,460 215,053 113,375
Profitability (%)
Net Income($000) 426 8,627 8,905 4,945 2,433
Net Income Attributable to Parent($000) 426 8,627 8,905 4,945 2,433
ROAA 0.06 0.34 0.43 0.30 0.19
Core ROAA 0.02 0.34 0.81 0.28 0.05
ROAE 0.69 3.69 4.02 3.97 2.14
ROATCE 0.72 3.82 4.13 4.05 2.14
Core ROAE 0.28 3.71 7.54 3.65 0.62
Net Interest Margin 2.96 3.16 3.23 3.14 3.29
Reported: Net Interest Margin 3 3.16 3.23 3.14 3.29
Efficiency Ratio 95.90 84.82 85.50 85.93 89.37
Noninterest Inc/ Operating Rev 19.45 21.17 24.59 23.64 15.39
Balance Sheet Ratios (%)
Loans/ Deposits 59.59 60.04 56.33 57.52 70.02
Securities/ Assets 36.80 39.54 40.44 41.80 32.03
Total Equity/ Total Assets 8.85 8.91 9.75 11.18 7.88
Tangible Equity/ Tangible Assets 8.54 8.58 9.56 10.94 7.88
Tang Common Equity/ Tang Assets 8.54 8.58 9.56 10.94 7.88
Asset Quality (%)
NPAs/ Assets 0.76 0.83 1.28 1.80 2.08
NPA Excl Restructured/ Assets 0.54 0.60 0.94 1.50 1.66
NPAs & 90+ PD/ Assets 0.82 0.83 1.28 1.82 2.08
NPAs/ Loans & REO 1.42 1.56 2.44 3.46 3.37
Nonaccrual & 90+ & OREO/ Assets 0.60 0.60 0.94 1.51 1.66
NPAs & 90+ PD/ Loans & REO 1.54 1.56 2.44 3.49 3.37
NPA & Loans 90+/ Tangible Common Equity + LLR 9.34 9.38 12.90 15.96 24.55
NCOs/ Avg Loans 0.28 0.17 0.13 0.12 0.41
Loan Loss Reserves/ Gross Loans 0.53 0.59 0.71 0.92 0.99
Reserves/ NPAs 37.09 37.65 28.97 26.41 29.04
Loan Loss Provision/ NCO 29.56 100.70 61.81 140.90 15
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 245,460 243,349 220,433 214,088 114,586
Tier 1 Capital($000) 256,460 254,349 240,911 235,888 136,386
Tier 2 Capital($000) 7,900 8,615 8,599 9,155 8,703
Total Capital($000) 264,360 262,964 249,510 245,043 145,089
Total Risk-weighted Assets($000) 1,835,901 1,750,113 1,494,019 1,290,321 1,099,701
Tier 1 Common Capital (CET1) Ratio(%) 13.37 13.90 14.75 16.59 10.42
Tier 1 Ratio(%) 13.97 14.53 16.13 18.28 12.40
Total Capital Ratio(%) 14.40 15.03 16.70 18.99 13.19
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.18 9.35 10.64 12.74 9.65
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 58,836,778 58,789,228 56,989,764 56,754,867 37,837,003
Avg Diluted Shares(actual) 59,587,000 59,407,000 58,250,000 39,865,000 38,094,000
Basic Book Value per Share 4.22 4.17 3.97 3.79 3
Book Value per Share, As Reported 4.22 4.17 3.97 3.79 3
Basic Tangible Book Value per Share 4.06 4 3.89 3.70 3
Tangible Book Value per Share, As Reported NA 4.09 3.89 3.70 3
EPS after Extra 0.01 0.15 0.15 0.12 0.06
EPS after Extra Growth(%) (66.70) 0 25 100 (14.30)
Core EPS 0 0.15 0.28 0.11 0.02
Core EPS Growth(%) (86.50) (46.40) 154.70 533.40 (71.70)
Diluted EPS before Amortization 0.01 0.15 0.15 0.12 0.06
Pre-Provision Earnings per Share 0.01 0.17 0.08 0.09 0
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