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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 1,191,331 981,783 827,926 677,561 509,754
Total Net Loans 1,002,356 815,021 645,870 547,460 413,157
Total Deposits 944,537 829,842 712,593 485,178 420,444
Equity Attributable to Parent Company 133,129 122,002 81,033 75,340 65,836
Total Equity 133,129 122,002 81,033 75,340 65,836
Profitability (%)
Net Income($000) 12,630 14,085 10,499 8,876 4,540
Net Income Attributable to Parent($000) 12,630 14,085 10,499 8,876 4,540
ROAA 1.55 1.53 1.31 1.51 1
Core ROAA 1.60 1.41 1.38 1.60 1.01
ROAE 13.28 14.78 13.76 12.69 7.19
ROATCE 13.85 15.68 14.93 12.69 7.19
Core ROAE 13.74 13.65 14.41 13.43 7.23
Net Interest Margin 4.61 4.65 4.43 5.01 5.12
Reported: Net Interest Margin 4.62 4.65 4.43 5.01 5.12
Efficiency Ratio 66.55 68.24 66.62 63.13 74.04
Noninterest Inc/ Operating Rev 29.70 35.43 40.89 38.44 31.27
Balance Sheet Ratios (%)
Loans/ Deposits 101.60 93.07 84.69 105.18 93.54
Securities/ Assets 8.77 8.69 10.22 8.82 9.89
Total Equity/ Total Assets 11.17 12.43 9.79 11.12 12.92
Tangible Equity/ Tangible Assets 10.92 12.10 9.35 11.12 12.92
Tang Common Equity/ Tang Assets 10.92 12.10 9.35 11.12 12.92
Asset Quality (%)
NPAs/ Assets 0.18 0.11 0.10 0.18 0.24
NPA Excl Restructured/ Assets 0.18 0.11 0.09 0.15 0.08
NPAs & 90+ PD/ Assets 0.18 0.11 0.10 0.18 0.24
NPAs/ Loans & REO 0.21 0.13 0.12 0.22 0.29
Nonaccrual & 90+ & OREO/ Assets 0.18 0.11 0.09 0.15 0.08
NPAs & 90+ PD/ Loans & REO 0.21 0.13 0.12 0.22 0.29
NPA & Loans 90+/ Tangible Common Equity + LLR 1.53 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 1.19 1.30 1.56 1.40 1.45
Reserves/ NPAs 554.56 983.18 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) NA 119,111 78,227 75,262 NA
Tier 1 Capital($000) NA 119,111 78,227 75,262 65,719
Tier 2 Capital($000) NA 10,316 8,433 6,908 NA
Total Capital($000) NA 129,427 86,660 82,170 70,927
Total Risk-weighted Assets($000) NA 824,298 672,631 551,774 415,285
Tier 1 Common Capital (CET1) Ratio(%) 13.60 14.45 11.63 13.64 NA
Tier 1 Ratio(%) 13.60 14.45 11.63 13.64 15.83
Total Capital Ratio(%) 14.90 15.70 12.88 14.90 17.08
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.40 12.13 9.52 11.56 13.16
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 3,716,460 3,680,152 3,059,503 3,242,120 3,235,625
Avg Diluted Shares(actual) 3,772,408 3,291,700 2,990,159 3,032,517 2,986,064
Basic Book Value per Share 35.82 33.15 26.49 23.24 20.35
Book Value per Share, As Reported 37.10 34.47 28.32 25.18 22.10
Basic Tangible Book Value per Share 34.91 32.17 25.17 23.24 20.35
Tangible Book Value per Share, As Reported 36.15 33.44 26.91 25.18 22.10
Common Dividends Declared per Share 0.39 0.43 0.37 0.27 0.23
EPS after Extra 3.35 4.28 3.51 2.93 1.52
EPS after Extra Growth(%) 1.20 21.90 19.80 92.80 17.80
Core EPS 3.47 3.95 3.68 3.10 1.53
Core EPS Growth(%) 12.30 7.60 18.50 102.80 27.60
Diluted EPS before Amortization 3.41 4.40 3.68 2.93 1.52
Pre-Provision Earnings per Share 3.57 3.93 4.07 3.60 1.81
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