Financial Highlights

Financial Highlights
2019 FQ2 YTD
6/30/2019
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 6,650,105 6,293,745 5,887,284 5,486,268 5,187,916
Total Net Loans 5,023,604 4,746,285 4,445,918 4,115,377 3,916,405
Total Deposits 5,403,845 5,122,322 4,752,730 4,333,760 4,139,186
Total Equity 804,686 763,590 718,537 672,650 644,053
Profitability (%)
Net Income($000) 45,613 82,414 68,051 57,786 57,486
ROAA 1.43 1.34 1.21 1.08 1.15
ROAE 11.62 11.09 9.69 8.71 9.05
Reported: Net Interest Margin 3.77 3.73 3.57 3.43 3.60
Balance Sheet Ratios (%)
Loans/ Deposits 94.55 94.40 95.26 96.64 96.51
Total Equity/ Total Assets 12.10 12.13 12.20 12.26 12.41
Tang Common Equity/ Tang Assets 10.82 10.92 10.94 10.89 10.96
Asset Quality (%)
NPA Excl Restructured/ Assets 0.32 0.56 0.52 0.55 0.40
Nonaccrual & 90+ & OREO/ Assets 0.33 0.56 0.53 0.55 0.40
Loan Loss Provision/ NCO 194.05 140.26 340.15 107.98 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 712,585 693,067 642,420 594,006 559,577
Tier 1 Capital($000) 779,609 751,575 699,420 651,006 616,577
Tier 2 Capital($000) 75,726 70,400 65,433 62,492 59,430
Total Capital($000) 855,335 821,975 764,853 713,498 676,007
Total Risk-weighted Assets($000) 6,025,495 5,598,865 5,202,177 4,717,905 4,515,842
Tier 1 Common Capital (CET1) Ratio(%) 11.83 12.38 12.35 12.59 12.39
Tier 1 Ratio(%) 12.94 13.42 13.44 13.80 13.65
Total Capital Ratio(%) 14.20 14.68 14.70 15.12 14.97
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 12.15 12.06 12.17 12.11 12.21
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 25,535,212 25,783,728 25,936,764 25,875,765 26,027,584
Avg Diluted Shares(actual) 25,687,056 25,937,599 25,925,820 25,879,397 26,173,351
Book Value per Share, As Reported 31.12 29.56 27.70 26 24.75
Tangible Book Value per Share, As Reported 27.83 26.30 24.47 22.75 21.49
Common Dividends Declared per Share 0.54 1.21 0.95 0.72 0.67
EPS after Extra 1.76 3.16 2.60 2.22 2.17
Pre-Provision Earnings per Share 2.05 3.84 2.63 2.33 2.23
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