Financial Highlights

Financial Highlights
2019 FQ2 YTD
6/30/2019
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 1,833,018 1,750,969 1,534,302 1,418,804 1,384,476
Total Net Loans 1,435,420 1,369,234 1,162,857 1,133,938 1,126,787
Total Deposits 1,377,737 1,309,154 1,159,580 1,107,017 1,012,314
Equity Attributable to Parent Company 200,676 176,773 150,192 145,625 114,712
Total Equity 200,676 176,773 150,192 145,625 114,712
Profitability (%)
Net Income($000) 18,569 12,003 7,575 12,912 6,816
Net Income Attributable to Parent($000) 18,569 12,003 7,575 12,912 6,816
ROAA 2.07 0.73 0.52 0.90 0.56
Core ROAA 0.83 0.69 0.55 0.61 0.57
ROAE 20.14 7.46 5.23 10.50 6.08
ROATCE 23.31 8.65 6.06 13.57 8.09
Core ROAE 8.05 7.06 5.47 7.05 6.25
Net Interest Margin 3.43 3.41 3.27 3.22 3.07
Reported: Net Interest Margin 3.46 3.41 3.27 3.22 3.07
Efficiency Ratio 77.49 81.26 83.26 80.60 82.85
Noninterest Inc/ Operating Rev 43.07 42.02 47.22 49.49 49.96
Balance Sheet Ratios (%)
Loans/ Deposits 96.29 99.63 95.37 95.11 101.96
Securities/ Assets 12.76 13.85 15.58 11.86 9.51
Total Equity/ Total Assets 10.95 10.10 9.79 10.26 8.29
Tangible Equity/ Tangible Assets 10.02 9.11 8.65 9.03 6.99
Tang Common Equity/ Tang Assets 9.58 8.66 8.13 7.86 5.79
Asset Quality (%)
NPAs/ Assets NA 0.65 1.02 0.85 1.17
NPA Excl Restructured/ Assets NA 0.41 0.63 0.44 0.68
NPAs & 90+ PD/ Assets NA 0.65 1.02 0.85 1.23
NPAs/ Loans & REO NA 0.82 1.33 1.06 1.43
Nonaccrual & 90+ & OREO/ Assets NA 0.41 0.63 0.44 0.74
NPAs & 90+ PD/ Loans & REO NA 0.82 1.33 1.06 1.50
NPA & Loans 90+/ Tangible Common Equity + LLR NA 7.03 11.72 10.18 19.57
NCOs/ Avg Loans (0.10) 0.11 0.12 0.22 0.07
Loan Loss Reserves/ Gross Loans 0.77 0.79 0.84 0.80 0.71
Reserves/ NPAs NA 96.78 63.32 75.04 49.45
Loan Loss Provision/ NCO NM 176.94 155.66 143.16 351.13
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 156,714 126,350 114,642 82,494
Tier 1 Capital($000) NA 168,672 138,308 135,100 102,952
Tier 2 Capital($000) NA 24,823 39,839 38,993 37,424
Total Capital($000) NA 193,495 178,147 174,093 140,376
Total Risk-weighted Assets($000) NA 1,403,738 1,198,102 1,133,743 1,086,877
Tier 1 Common Capital (CET1) Ratio(%) NA 11.16 10.55 10.11 7.59
Tier 1 Ratio(%) NA 12.02 11.54 11.92 9.47
Total Capital Ratio(%) NA 13.78 14.87 15.36 12.91
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA 9.87 9.27 9.54 7.77
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 11,712,919 11,607,293 10,444,627 9,996,544 8,061,921
Avg Diluted Shares(actual) 13,139,612 12,722,003 10,440,228 10,068,733 8,140,116
Basic Book Value per Share 16.46 14.55 13.63 12.93 12.20
Book Value per Share, As Reported 16.46 14.55 13.63 12.93 12.20
Basic Tangible Book Value per Share 14.84 12.92 11.80 11.01 9.81
Tangible Book Value per Share, As Reported 14.84 12.92 11.80 11.01 9.81
Common Dividends Declared per Share 0.08 0.11 0.10 0.08 0.08
EPS after Extra 1.44 1 0.68 1.31 0.77
EPS after Extra Growth(%) 206.40 47.10 (48.10) 70.10 250
Core EPS 0.57 0.95 0.71 0.89 0.79
Core EPS Growth(%) 25.60 33 (19.60) 11.80 132
Diluted EPS before Amortization 1.44 1.01 0.69 1.32 0.77
Pre-Provision Earnings per Share 0.68 1.11 0.82 1.09 0.94
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