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 6,293,169 5,887,284 5,486,268 5,187,916 4,829,958
Total Net Loans 4,738,402 4,445,918 4,115,377 3,916,405 3,617,110
Total Deposits 5,061,977 4,752,730 4,333,760 4,139,186 3,802,860
Total Equity 750,437 718,537 672,650 644,053 614,473
Profitability (%)
Net Income($000) 60,968 68,051 57,786 57,486 58,069
ROAA 1.33 1.21 1.08 1.15 1.21
ROAE 11.01 9.69 8.71 9.05 9.65
Reported: Net Interest Margin 3.71 3.57 3.43 3.60 3.59
Balance Sheet Ratios (%)
Loans/ Deposits 95.33 95.26 96.64 96.51 96.99
Total Equity/ Total Assets 11.92 12.20 12.26 12.41 12.72
Tang Common Equity/ Tang Assets 10.73 10.94 10.89 10.96 11.15
Asset Quality (%)
NPA Excl Restructured/ Assets 0.79 0.52 0.55 0.40 0.86
Nonaccrual & 90+ & OREO/ Assets 0.79 0.53 0.55 0.40 0.88
Loan Loss Provision/ NCO 130.12 340.15 107.98 NM 172.03
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 686,317 642,420 594,006 559,577 519,692
Tier 1 Capital($000) 743,317 699,420 651,006 616,577 576,692
Tier 2 Capital($000) 69,698 65,433 62,492 59,430 NA
Total Capital($000) 813,015 764,853 713,498 676,007 629,023
Total Risk-weighted Assets($000) 5,543,756 5,202,177 4,717,905 4,515,842 3,958,797
Tier 1 Common Capital (CET1) Ratio(%) 12.38 12.35 12.59 12.39 13.13
Tier 1 Ratio(%) 13.41 13.44 13.80 13.65 14.57
Total Capital Ratio(%) 14.66 14.70 15.12 14.97 15.89
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 12.03 12.17 12.11 12.21 12.16
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 25,965,746 25,936,764 25,875,765 26,027,584 26,248,690
Avg Diluted Shares(actual) 25,958,125 25,925,820 25,879,397 26,173,351 26,434,769
Book Value per Share, As Reported 28.90 27.70 26 24.75 23.41
Tangible Book Value per Share, As Reported 25.66 24.47 22.75 21.49 20.16
Common Dividends Declared per Share 0.71 0.76 0.72 0.67 0.65
EPS after Extra 2.33 2.60 2.22 2.17 2.17
Pre-Provision Earnings per Share 2.84 2.63 2.33 2.23 2.12
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