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 5,711,630 5,547,037 3,614,862 3,362,065 3,218,383
Total Net Loans 4,176,193 4,031,530 2,689,047 2,494,666 2,361,567
Total Deposits 4,528,373 4,406,955 2,947,353 2,811,285 2,695,906
Equity Attributable to Parent Company 743,076 692,979 368,101 342,190 387,699
Total Equity 743,076 692,979 368,101 342,190 387,699
Profitability (%)
Net Income($000) 65,394 45,972 27,509 27,034 24,996
Net Income Attributable to Parent($000) 65,394 45,972 27,509 27,034 24,996
ROAE 12.13 8.62 7.63 7.18 6.53
Core ROAE 13.39 10.39 8.87 7.31 6.69
Reported: Net Interest Margin 4.12 4.08 4.03 4.13 4.58
Noninterest Inc/ Operating Rev 23.81 23.17 19.78 14.47 11.69
Balance Sheet Ratios (%)
Loans/ Deposits 92.54 91.73 91.97 89.60 88.88
Securities/ Assets 8.67 8.89 9.65 10 10.65
Total Equity/ Total Assets 13.01 12.49 10.18 10.18 12.05
Tangible Equity/ Tangible Assets 9.02 8.27 8.17 8.35 10.15
Tang Common Equity/ Tang Assets 9.02 8.27 8.17 8.13 7.90
Asset Quality (%)
Non Covered NPAs/ Assets 0.72 0.96 1.64 2.30 2.96
NPA Excl Restructured/ Assets 0.43 0.60 1.02 1.46 1.86
Non Covered NPAs & 90+ PD/ Assets 0.73 0.97 1.64 2.30 2.96
Non Covered Nonaccrual & 90+ & OREO/ Assets 0.44 0.62 1.02 1.46 1.86
Non Covered NPA & Loans 90+/ Tangible Common Equity + LLR 8.13 11.71 18.90 26.05 32.91
Non Covered NCOs/ Non Covered Avg Loans (0.05) 0.04 0.15 0.58 0.65
Loan Loss Reserves/ Gross Loans 0.49 0.57 0.88 1.13 1.69
Total Reserves/ Non Covered NPAs 50.03 43.65 40.21 37.03 42.62
Total Loan Loss Provision/ Non Covered NCO NM 59.95 (0.62) (5.75) 69.16
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 456,826 308,712 282,766 249,597
Tier 1 Capital($000) NA 508,791 353,363 335,053 365,384
Tier 2 Capital($000) NA 24,116 24,484 29,072 NA
Total Capital($000) NA 532,907 377,847 364,125 393,480
Total Risk-weighted Assets($000) NA 4,262,941 2,828,118 2,519,193 2,235,143
Tier 1 Common Capital (CET1) Ratio(%) 11.97 10.72 10.92 11.22 11.17
Tier 1 Ratio(%) 13.18 11.94 12.49 13.30 16.35
Total Capital Ratio(%) 13.68 12.50 13.36 14.45 17.60
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.34 9.58 10.17 10.38 11.61
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 29,729,285 29,639,374 20,844,505 19,747,509 19,709,881
Avg Diluted Shares(actual) 29,639,126 25,291,382 20,732,917 20,499,727 20,434,007
Basic Book Value per Share 24.99 23.38 17.66 16.96 16.08
Book Value per Share, As Reported 24.99 23.38 17.66 16.96 16.08
Basic Tangible Book Value per Share 16.57 14.76 13.87 13.56 12.63
Tangible Book Value per Share, As Reported 16.43 14.69 13.85 13.56 12.63
Common Dividends Declared per Share 0.30 0.32 0.32 0.32 0.32
EPS after Extra 2.21 1.82 1.33 1.30 1.19
EPS after Extra Growth(%) 66.20 36.80 2.30 9.20 21.40
Core EPS 2.44 2.19 1.55 1.32 1.22
Core EPS Growth(%) 58.90 41.80 16.90 8.40 21.70
Pre-Provision Earnings per Share 2.21 1.98 1.50 1.26 1.52
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