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Financial Highlights
2019 FQ1 YTD
3/31/2019
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 1,626,116 1,621,644 981,783 827,926 677,561
Total Net Loans 1,329,514 1,363,714 815,021 645,870 547,460
Total Deposits 1,321,550 1,274,219 829,842 712,593 485,178
Equity Attributable to Parent Company 185,952 180,038 122,002 81,033 75,340
Total Equity 185,952 180,038 122,002 81,033 75,340
Profitability (%)
Net Income($000) 5,192 24,347 14,085 10,499 8,876
Net Income Attributable to Parent($000) 5,192 24,347 14,085 10,499 8,876
ROAA 1.29 2.07 1.53 1.31 1.51
Core ROAA 1.40 1.68 1.41 1.38 1.60
ROAE 11.30 18.15 14.80 13.76 12.69
ROATCE 12.19 18.94 15.70 14.93 12.69
Core ROAE 12.28 14.75 13.67 14.41 13.43
Net Interest Margin 4.64 4.61 4.65 4.43 5.01
Reported: Net Interest Margin 4.70 4.61 4.65 4.43 5.01
Efficiency Ratio 64.35 65.93 68.24 66.62 63.13
Noninterest Inc/ Operating Rev 20.48 27.07 35.43 40.89 38.44
Balance Sheet Ratios (%)
Loans/ Deposits 98.05 103.97 93.07 84.69 105.18
Securities/ Assets 6.64 6.60 8.69 10.22 8.82
Total Equity/ Total Assets 11.44 11.10 12.43 9.79 11.12
Tangible Equity/ Tangible Assets 10.98 10.63 12.10 9.35 11.12
Tang Common Equity/ Tang Assets 10.98 10.63 12.10 9.35 11.12
Asset Quality (%)
NPAs/ Assets 0.19 0.28 0.11 0.10 0.18
NPA Excl Restructured/ Assets 0.19 0.28 0.11 0.09 0.15
NPAs & 90+ PD/ Assets 0.19 0.28 0.11 0.10 0.18
NPAs/ Loans & REO 0.23 0.33 0.13 0.12 0.22
Nonaccrual & 90+ & OREO/ Assets 0.19 0.28 0.11 0.09 0.15
NPAs & 90+ PD/ Loans & REO 0.24 0.33 0.13 0.12 0.22
NPA & Loans 90+/ Tangible Common Equity + LLR 1.66 2.50 0.85 0.91 1.47
NCOs/ Avg Loans 0.37 (0.01) 0.03 0 0.11
Loan Loss Reserves/ Gross Loans 0.88 0.90 1.30 1.56 1.40
Reserves/ NPAs 376.27 269.45 983.18 NM 634.99
Loan Loss Provision/ NCO 59.81 NM 365.85 NM 405.41
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 172,988 119,111 78,227 75,262
Tier 1 Capital($000) NA 172,988 119,111 78,227 75,262
Tier 2 Capital($000) NA 12,648 10,316 8,433 6,908
Total Capital($000) NA 185,636 129,427 86,660 82,170
Total Risk-weighted Assets($000) NA 1,393,940 824,298 672,631 551,774
Tier 1 Common Capital (CET1) Ratio(%) 12.98 12.41 14.45 11.63 13.64
Tier 1 Ratio(%) 13 12.41 14.45 11.63 13.64
Total Capital Ratio(%) 13.86 13.32 15.70 12.88 14.90
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.06 12.07 12.13 9.52 11.56
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 4,489,042 4,492,478 3,680,152 3,059,503 3,242,120
Avg Diluted Shares(actual) 4,493,426 3,869,789 3,291,700 2,990,159 3,032,517
Basic Book Value per Share 41.42 40.08 33.15 26.49 23.24
Book Value per Share, As Reported 42.48 41.19 34.47 28.32 25.18
Basic Tangible Book Value per Share 39.57 38.18 32.17 25.17 23.24
Tangible Book Value per Share, As Reported 40.57 39.24 33.44 26.91 25.18
Common Dividends Declared per Share 0.15 0.53 0.43 0.37 0.27
EPS after Extra 1.15 6.29 4.28 3.51 2.93
EPS after Extra Growth(%) 0 47 21.90 19.80 92.80
Core EPS 1.25 5.11 3.95 3.68 3.10
Core EPS Growth(%) 9.30 29.30 7.60 18.50 102.80
Diluted EPS before Amortization 1.19 6.38 4.40 3.68 2.93
Pre-Provision Earnings per Share 1.37 4.90 3.93 4.07 3.60
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