Financial Highlights

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Financial Highlights
2018 FY
6/30/2018
2017 FY
6/30/2017
2016 FY
6/30/2016
2015 FY
6/30/2015
2014 FY
6/30/2014
Balance Sheet ($000)
Total Assets 3,304,169 3,206,533 2,717,677 2,783,114 2,074,454
Total Net Loans 2,510,665 2,335,926 1,817,322 1,669,207 1,476,066
Total Deposits 2,196,253 2,048,451 1,802,696 1,872,126 1,583,047
Equity Attributable to Parent Company 409,242 397,647 359,976 371,050 377,151
Total Equity 409,242 397,647 359,976 371,050 377,151
Profitability (%)
Net Income($000) 8,235 11,847 11,456 8,025 10,342
Net Income Attributable to Parent($000) 8,235 11,847 11,456 8,025 10,342
ROAA 0.25 0.40 0.42 0.32 0.62
Core ROAA 0.87 0.63 0.49 0.53 0.73
ROAE 2.05 3.14 3.16 2.12 2.86
ROATCE 2.77 3.85 3.86 2.66 2.92
Core ROAE 6.98 4.91 3.72 3.53 3.37
Net Interest Margin 3.43 3.49 3.37 3.64 3.79
Reported: Net Interest Margin 3.43 3.49 3.37 3.64 3.79
Efficiency Ratio 66.96 71.60 75.77 75.34 75.12
Noninterest Inc/ Operating Rev 16.24 14.69 14.74 13.51 13.73
Balance Sheet Ratios (%)
Loans/ Deposits 115.01 114.79 101.67 90.04 94.56
Securities/ Assets 5.82 7.45 8.47 10.29 8.31
Total Equity/ Total Assets 12.39 12.40 13.25 13.33 18.18
Tangible Equity/ Tangible Assets 11.58 11.50 12.61 12.62 17.59
Tang Common Equity/ Tang Assets 11.58 11.50 12.61 12.62 17.59
Asset Quality (%)
NPAs/ Assets 1.08 1.47 1.94 1.93 3.60
NPA Excl Restructured/ Assets 0.44 0.62 0.90 1.15 2.53
NPAs & 90+ PD/ Assets 1.08 1.47 1.94 1.93 3.60
NPAs/ Loans & REO 1.41 1.99 2.86 3.17 4.94
Nonaccrual & 90+ & OREO/ Assets 0.44 0.62 0.90 1.15 2.53
NPAs & 90+ PD/ Loans & REO 1.41 1.99 2.86 3.17 4.94
NPA & Loans 90+/ Tangible Common Equity + LLR 8.96 12.18 14.59 14.50 19.38
NCOs/ Avg Loans 0 0.01 0.06 0.07 0.19
Loan Loss Reserves/ Gross Loans 0.83 0.90 1.16 1.32 1.56
Reserves/ NPAs 58.75 44.98 40.37 41.61 31.34
Loan Loss Provision/ NCO 0 0 0 12.45 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 372,188 342,664 317,258 326,969 NA
Tier 1 Capital($000) 372,188 342,664 317,258 326,969 303,631
Tier 2 Capital($000) 21,515 21,605 21,747 22,794 NA
Total Capital($000) 393,703 364,269 339,005 349,763 321,886
Total Risk-weighted Assets($000) 2,869,085 2,622,746 2,204,381 2,053,210 1,455,025
Tier 1 Common Capital (CET1) Ratio(%) 12.97 13.07 14.39 15.92 NA
Tier 1 Ratio(%) 12.97 13.07 14.39 15.92 20.87
Total Capital Ratio(%) 13.72 13.89 15.38 17.03 22.12
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.45 11.13 11.78 11.91 NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 19,041,668 18,967,875 17,998,750 19,488,449 20,632,008
Avg Diluted Shares(actual) 18,726,431 17,956,443 17,606,689 19,117,902 18,715,669
Basic Book Value per Share 21.49 20.96 20 19.04 18.28
As-reported Book Value per Share 21.49 20.96 20 19.04 18.28
Basic Tangible Book Value per Share 19.91 19.23 18.90 17.87 17.56
Reported: Tangible Book Value 19.96 19.37 19.05 18.06 17.68
Common Dividends Declared per Share 0 0 0 0 0
EPS after Extra 0.44 0.65 0.65 0.42 0.54
EPS after Extra Growth(%) (32.30) 0 54.80 (22.20) 20
Core EPS 1.51 1.02 0.77 0.71 0.64
Core EPS Growth(%) 48.20 32.60 8.70 10.80 40.70
Diluted EPS before Amortization 0.58 0.81 0.82 0.56 0.55
Pre-Provision Earnings per Share 1.48 0.87 0.61 0.56 0.38
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