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Financial Highlights
2018 FY
12/31/2018
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 1,621,644 981,783 827,926 677,561 509,754
Total Net Loans 1,363,714 815,021 645,870 547,460 413,157
Total Deposits 1,274,219 829,842 712,593 485,178 420,444
Equity Attributable to Parent Company 180,038 122,002 81,033 75,340 65,836
Total Equity 180,038 122,002 81,033 75,340 65,836
Profitability (%)
Net Income($000) 24,347 14,085 10,499 8,876 4,540
Net Income Attributable to Parent($000) 24,347 14,085 10,499 8,876 4,540
ROAA 2.07 1.53 1.31 1.51 1
Core ROAA 1.68 1.41 1.38 1.60 1.01
ROAE 18.15 14.80 13.76 12.69 7.19
ROATCE 18.94 15.70 14.93 12.69 7.19
Core ROAE 14.75 13.67 14.41 13.43 7.23
Net Interest Margin 4.61 4.65 4.43 5.01 5.12
Reported: Net Interest Margin 4.61 4.65 4.43 5.01 5.12
Efficiency Ratio 65.93 68.24 66.62 63.13 74.04
Noninterest Inc/ Operating Rev 27.07 35.43 40.89 38.44 31.27
Balance Sheet Ratios (%)
Loans/ Deposits 103.97 93.07 84.69 105.18 93.54
Securities/ Assets 6.60 8.69 10.22 8.82 9.89
Total Equity/ Total Assets 11.10 12.43 9.79 11.12 12.92
Tangible Equity/ Tangible Assets 10.63 12.10 9.35 11.12 12.92
Tang Common Equity/ Tang Assets 10.63 12.10 9.35 11.12 12.92
Asset Quality (%)
NPAs/ Assets 0.28 0.11 0.10 0.18 0.24
NPA Excl Restructured/ Assets 0.28 0.11 0.09 0.15 0.08
NPAs & 90+ PD/ Assets 0.28 0.11 0.10 0.18 0.24
NPAs/ Loans & REO 0.33 0.13 0.12 0.22 0.29
Nonaccrual & 90+ & OREO/ Assets 0.28 0.11 0.09 0.15 0.08
NPAs & 90+ PD/ Loans & REO 0.33 0.13 0.12 0.22 0.29
NPA & Loans 90+/ Tangible Common Equity + LLR 2.50 0.85 0.91 1.47 1.69
NCOs/ Avg Loans (0.01) 0.03 0 0.11 0.23
Loan Loss Reserves/ Gross Loans 0.90 1.30 1.56 1.40 1.45
Reserves/ NPAs 269.45 983.18 NM 634.99 500.82
Loan Loss Provision/ NCO NM 365.85 NM 405.41 224.44
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 172,988 119,111 78,227 75,262 NA
Tier 1 Capital($000) 172,988 119,111 78,227 75,262 65,719
Tier 2 Capital($000) 12,648 10,316 8,433 6,908 NA
Total Capital($000) 185,636 129,427 86,660 82,170 70,927
Total Risk-weighted Assets($000) 1,393,940 824,298 672,631 551,774 415,285
Tier 1 Common Capital (CET1) Ratio(%) 12.41 14.45 11.63 13.64 NA
Tier 1 Ratio(%) 12.41 14.45 11.63 13.64 15.83
Total Capital Ratio(%) 13.32 15.70 12.88 14.90 17.08
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 12.07 12.13 9.52 11.56 13.16
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 4,492,478 3,680,152 3,059,503 3,242,120 3,235,625
Avg Diluted Shares(actual) 3,869,789 3,291,700 2,990,159 3,032,517 2,986,064
Basic Book Value per Share 40.08 33.15 26.49 23.24 20.35
Book Value per Share, As Reported 41.19 34.47 28.32 25.18 22.10
Basic Tangible Book Value per Share 38.18 32.17 25.17 23.24 20.35
Tangible Book Value per Share, As Reported 39.24 33.44 26.91 25.18 22.10
Common Dividends Declared per Share 0.53 0.43 0.37 0.27 0.23
EPS after Extra 6.29 4.28 3.51 2.93 1.52
EPS after Extra Growth(%) 47 21.90 19.80 92.80 17.80
Core EPS 5.11 3.95 3.68 3.10 1.53
Core EPS Growth(%) 29.30 7.60 18.50 102.80 27.60
Diluted EPS before Amortization 6.38 4.40 3.68 2.93 1.52
Pre-Provision Earnings per Share 4.90 3.93 4.07 3.60 1.81
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