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 1,894,330 1,794,066 1,780,699 1,782,081
Total Net Loans 1,582,864 1,485,026 1,430,874 1,417,351
Total Deposits 1,408,903 1,394,331 1,538,855 1,577,231
Equity Attributable to Parent Company 177,542 169,278 161,650 150,832
Total Equity 177,542 169,278 161,650 150,832
Profitability (%)
Net Income($000) 12,239 11,905 14,909 16,514
Net Income Attributable to Parent($000) 12,239 11,905 14,909 16,514
ROAA 0.86 0.67 0.82 0.97
Core ROAA 0.87 0.82 0.97 0.98
ROAE 9.53 7.16 9.40 11.36
ROATCE 10.05 7.57 9.98 12.12
Core ROAE 9.55 8.73 11.10 11.45
Net Interest Margin 3.73 3.58 3.64 3.66
Reported: Net Interest Margin 3.73 3.58 3.64 3.66
Efficiency Ratio 69.16 69.80 64.12 62.54
Noninterest Inc/ Operating Rev 21.21 21.97 22.11 22.49
Balance Sheet Ratios (%)
Loans/ Deposits 113.46 107.69 94.27 90.73
Securities/ Assets 9.62 9.46 10.50 10.16
Total Equity/ Total Assets 9.37 9.44 9.08 8.46
Tangible Equity/ Tangible Assets 8.85 8.89 8.52 7.90
Tang Common Equity/ Tang Assets 8.85 8.89 8.52 7.90
Asset Quality (%)
NPAs/ Assets 1.70 1.55 1.54 1.44
NPA Excl Restructured/ Assets 1.69 1.53 1.50 1.35
NPAs & 90+ PD/ Assets 1.70 1.55 1.54 1.44
NPAs/ Loans & REO 2.01 1.85 1.88 1.79
Nonaccrual & 90+ & OREO/ Assets 1.69 1.53 1.50 1.35
NPAs & 90+ PD/ Loans & REO 2.01 1.85 1.88 1.79
NPA & Loans 90+/ Tangible Common Equity + LLR 17.23 15.68 15.95 16.46
NCOs/ Avg Loans 0.24 0.57 0.22 0.10
Loan Loss Reserves/ Gross Loans 1.28 1.25 1.44 1.14
Reserves/ NPAs 63.42 67.52 76.37 63.46
Loan Loss Provision/ NCO 160.09 74.17 242.64 242.03
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 168,191 159,157 150,960 139,920
Tier 1 Capital($000) 178,220 169,176 160,964 149,920
Tier 2 Capital($000) 46,940 45,325 43,153 39,243
Total Capital($000) 225,160 214,501 204,117 189,163
Total Risk-weighted Assets($000) 1,868,789 1,790,238 1,738,759 1,702,604
Tier 1 Common Capital (CET1) Ratio(%) 9 8.89 8.68 8.22
Tier 1 Ratio(%) 9.54 9.45 9.26 8.81
Total Capital Ratio(%) 12.05 11.98 11.74 11.11
Liquidity Coverage Ratio(%) NA NA NA NA
Leverage Ratio(%) 9.34 9.54 9.07 8.63
Basel III Leverage Ratio(%) NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 8,793,941 8,763,539 8,715,856 8,699,410
Avg Diluted Shares(actual) 8,634,890 8,612,770 8,573,722 8,550,322
Basic Book Value per Share 20.19 19.32 18.55 17.34
Book Value per Share, As Reported 20.19 19.32 18.55 17.34
Basic Tangible Book Value per Share 18.96 18.08 17.30 16.08
Tangible Book Value per Share, As Reported 18.81 17.87 17.08 15.90
Common Dividends Declared per Share 0.42 0.52 0.48 0.44
EPS after Extra 1.40 1.36 1.71 1.90
EPS after Extra Growth(%) 55.60 (20.50) (10) 8.60
Core EPS 1.40 1.66 2.02 1.91
Core EPS Growth(%) 54.20 (17.80) 5.70 4.40
Diluted EPS before Amortization 1.40 1.37 1.72 1.91
Pre-Provision Earnings per Share 1.78 1.74 2.17 2.13
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