Financial Highlights

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Financial Highlights
2015 FY
6/30/2015
2016 FY
6/30/2016
2017 FY
6/30/2017
2018 FY
6/30/2018
2019 FQ2 YTD
12/31/2018
Balance Sheet ($000)
Total Assets 2,783,114 2,717,677 3,206,533 3,304,169 3,413,099
Total Net Loans 1,669,207 1,817,322 2,335,926 2,510,665 2,623,907
Total Deposits 1,872,126 1,802,696 2,048,451 2,196,253 2,258,069
Equity Attributable to Parent Company 371,050 359,976 397,647 409,242 410,970
Total Equity 371,050 359,976 397,647 409,242 410,970
Profitability (%)
Net Income($000) 8,025 11,456 11,847 8,235 15,831
Net Income Attributable to Parent($000) 8,025 11,456 11,847 8,235 15,831
ROAA 0.32 0.42 0.40 0.25 0.95
Core ROAA 0.53 0.49 0.63 0.87 1
ROAE 2.12 3.16 3.14 2.05 7.69
ROATCE 2.66 3.86 3.85 2.77 8.67
Core ROAE 3.53 3.72 4.91 6.98 8.11
Net Interest Margin 3.64 3.37 3.49 3.43 3.48
Reported: Net Interest Margin 3.64 3.37 3.49 3.43 3.48
Efficiency Ratio 75.34 75.77 71.60 66.96 65.05
Noninterest Inc/ Operating Rev 13.51 14.74 14.69 16.24 16.70
Balance Sheet Ratios (%)
Loans/ Deposits 90.04 101.67 114.79 115.01 116.57
Securities/ Assets 10.29 8.47 7.45 5.96 5.70
Total Equity/ Total Assets 13.33 13.25 12.40 12.39 12.04
Tangible Equity/ Tangible Assets 12.62 12.61 11.50 11.58 11.29
Tang Common Equity/ Tang Assets 12.62 12.61 11.50 11.58 11.29
Asset Quality (%)
NPAs/ Assets 1.93 1.94 1.47 1.08 0.93
NPA Excl Restructured/ Assets 1.15 0.90 0.62 0.44 0.37
NPAs & 90+ PD/ Assets 1.93 1.94 1.47 1.08 0.93
NPAs/ Loans & REO 3.17 2.86 1.99 1.41 1.20
Nonaccrual & 90+ & OREO/ Assets 1.15 0.90 0.62 0.44 0.37
NPAs & 90+ PD/ Loans & REO 3.17 2.86 1.99 1.41 1.20
NPA & Loans 90+/ Tangible Common Equity + LLR 14.50 14.59 12.18 8.96 7.91
NCOs/ Avg Loans 0.07 0.06 0.01 0 (0.03)
Loan Loss Reserves/ Gross Loans 1.32 1.16 0.90 0.83 0.81
Reserves/ NPAs 41.61 40.37 44.98 58.75 67.14
Loan Loss Provision/ NCO 12.45 0 0 0 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 326,969 317,258 342,664 372,188 377,144
Tier 1 Capital($000) 326,969 317,258 342,664 372,188 377,144
Tier 2 Capital($000) 22,794 21,747 21,605 21,515 21,874
Total Capital($000) 349,763 339,005 364,269 393,703 399,018
Total Risk-weighted Assets($000) 2,053,210 2,204,381 2,622,746 2,869,085 3,005,131
Tier 1 Common Capital (CET1) Ratio(%) 15.92 14.39 13.07 12.97 12.55
Tier 1 Ratio(%) 15.92 14.39 13.07 12.97 12.55
Total Capital Ratio(%) 17.03 15.38 13.89 13.72 13.28
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.91 11.78 11.13 11.45 11.31
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 19,488,449 17,998,750 18,967,875 19,041,668 18,520,825
Avg Diluted Shares(actual) 19,117,902 17,606,689 17,956,443 18,726,431 18,689,584
Basic Book Value per Share 19.04 20 20.96 21.49 22.19
Book Value per Share, As Reported 19.04 20 20.96 21.49 22.19
Basic Tangible Book Value per Share 17.87 18.90 19.23 19.91 20.62
Tangible Book Value per Share, As Reported 18.06 19.05 19.37 19.96 20.66
Common Dividends Declared per Share 0 0 0 0 0.06
EPS after Extra 0.42 0.65 0.65 0.44 0.84
EPS after Extra Growth(%) (22.20) 54.80 0 (32.30) NM
Core EPS 0.71 0.77 1.02 1.51 0.89
Core EPS Growth(%) 10.80 8.70 32.60 48.20 20.40
Diluted EPS before Amortization 0.56 0.82 0.81 0.58 0.90
Pre-Provision Earnings per Share 0.56 0.61 0.87 1.48 0.85
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