Financial Highlights

Financial Highlights
2018 FQ2 YTD
6/30/2018
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 6,320,058 5,887,284 5,486,268 5,187,916 4,829,958
Total Net Loans 4,745,051 4,445,918 4,115,377 3,916,405 3,617,110
Total Deposits 5,108,439 4,752,730 4,333,760 4,139,186 3,802,860
Total Equity 740,277 718,537 672,650 644,053 614,473
Profitability (%)
Net Income($000) 41,080 68,051 57,786 57,486 58,069
ROAA 1.36 1.21 1.08 1.15 1.21
ROAE 11.23 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 94.74 95.26 96.64 96.51 96.99
Total Equity/ Total Assets 11.71 12.20 12.26 12.41 12.72
Tang Common Equity/ Tang Assets 10.52 10.94 10.89 10.96 11.15
Asset Quality (%)
NPA Excl Restructured/ Assets 0.70 0.52 0.55 0.40 0.86
Nonaccrual & 90+ & OREO/ Assets 0.70 0.53 0.55 0.40 0.88
Loan Loss Provision/ NCO NM 340.15 107.98 NM 172.03
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 672,883 642,420 594,006 559,577 519,692
Tier 1 Capital($000) 729,883 699,420 651,006 616,577 576,692
Tier 2 Capital($000) 69,666 65,433 62,492 59,430 NA
Total Capital($000) 799,549 764,853 713,498 676,007 629,023
Total Risk-weighted Assets($000) 5,537,154 5,202,177 4,717,905 4,515,842 3,958,797
Tier 1 Common Capital (CET1) Ratio(%) 12.15 12.35 12.59 12.39 13.13
Tier 1 Ratio(%) 13.18 13.44 13.80 13.65 14.57
Total Capital Ratio(%) 14.44 14.70 15.12 14.97 15.89
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.93 12.17 12.11 12.21 12.16
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 25,965,077 25,936,764 25,875,765 26,027,584 26,248,690
Avg Diluted Shares(actual) 25,954,278 25,925,820 25,879,397 26,173,351 26,434,769
As-reported Book Value per Share 28.51 27.70 26 24.75 23.41
Reported: Tangible Book Value 25.27 24.47 22.75 21.49 20.16
Common Dividends Declared per Share 0.46 0.76 0.72 0.67 0.65
EPS after Extra 1.57 2.60 2.22 2.17 2.17
Pre-Provision Earnings per Share 1.97 2.63 2.33 2.23 2.12
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