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
Balance Sheet ($000)
Total Assets 10,514,303 9,763,209 9,793,668 9,796,298
Total Net Loans 7,800,106 7,550,581 7,611,504 7,281,208
Total Deposits 8,685,824 8,183,431 8,121,414 8,055,068
Equity Attributable to Parent Company 1,272,198 1,272,626 1,305,710 1,300,059
Total Equity 1,272,198 1,272,626 1,305,710 1,300,059
Profitability (%)
Net Income($000) 98,987 60,776 85,385 45,222
Net Income Attributable to Parent($000) 98,987 60,776 85,385 45,222
ROAA 1.28 0.60 0.87 0.72
Core ROAA 1.30 0.99 0.99 1.02
ROAE 10.37 4.57 6.41 5.56
ROATCE 13.51 6.14 8.56 6.26
Core ROAE 10.56 7.60 7.30 7.95
Net Interest Margin 4.40 4.24 4.20 4.10
Reported: Net Interest Margin 4.41 4.24 4.20 4.10
Efficiency Ratio 64.43 67.33 66.05 67.97
Noninterest Inc/ Operating Rev 16.08 16.04 16.73 20.59
Balance Sheet Ratios (%)
Loans/ Deposits 90.06 92.86 91.75 90.81
Securities/ Assets 16.32 12.46 11.39 14.43
Total Equity/ Total Assets 12.10 13.03 13.33 13.27
Tangible Equity/ Tangible Assets 9.86 10.61 10.83 10.67
Tang Common Equity/ Tang Assets 9.86 10.61 10.83 10.67
Asset Quality (%)
NPAs/ Assets 0.27 0.43 0.52 0.49
NPA Excl Restructured/ Assets 0.14 0.27 0.32 0.27
NPAs & 90+ PD/ Assets 0.29 0.45 0.54 0.50
NPAs/ Loans & REO 0.36 0.55 0.66 0.65
Nonaccrual & 90+ & OREO/ Assets 0.16 0.28 0.35 0.28
NPAs & 90+ PD/ Loans & REO 0.38 0.57 0.68 0.66
NPA & Loans 90+/ Tangible Common Equity + LLR 2.73 3.98 4.72 4.47
NCOs/ Avg Loans 0 0.06 (0.03) (0.04)
Loan Loss Reserves/ Gross Loans 1.21 1.17 1.12 1.06
Reserves/ NPAs 336.18 211.34 170.02 162.71
Loan Loss Provision/ NCO NM 161 NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 989,395 994,080 1,014,994 1,013,971
Tier 1 Capital($000) 1,125,395 1,123,154 1,125,267 1,057,597
Tier 2 Capital($000) 97,712 91,477 89,646 81,957
Total Capital($000) 1,223,107 1,214,631 1,214,913 1,139,554
Total Risk-weighted Assets($000) 8,891,314 8,793,848 9,069,572 8,365,598
Tier 1 Common Capital (CET1) Ratio(%) 11.13 11.30 11.19 12.13
Tier 1 Ratio(%) 12.66 12.77 12.41 12.65
Total Capital Ratio(%) 13.76 13.81 13.40 13.63
Liquidity Coverage Ratio(%) NA NA NA NA
Leverage Ratio(%) 11.04 11.34 11.83 11.06
Basel III Leverage Ratio(%) NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 32,402,757 32,726,485 33,193,387 34,242,255
Avg Diluted Shares(actual) 32,406,414 32,986,707 33,853,511 23,866,621
Basic Book Value per Share 39.26 38.89 39.34 37.97
Book Value per Share, As Reported 39.26 38.89 39.34 37.97
Basic Tangible Book Value per Share 31.20 30.78 31.06 29.64
Tangible Book Value per Share, As Reported 31.20 30.78 31.06 29.64
Common Dividends Declared per Share 1.58 2 0.88 0.72
EPS after Extra 3.05 1.84 2.52 1.89
EPS after Extra Growth(%) 35.60 (27) 33.30 (32.30)
Core EPS 3.10 3.06 2.87 2.70
Diluted EPS before Amortization 3.18 2.03 2.74 2.02
Pre-Provision Earnings per Share 3.13 2.94 2.81 2.57
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