Financial Highlights

Select Period: Financial Charting
 2014 FY2015 FY2016 FY2017 FY2018 FQ1 YTD
Period Ended12/31/201412/31/201512/31/201612/31/20173/31/2018
Balance Sheet ($000)   
Total Assets489,395530,087558,566597,748608,347
Total Net Loans257,809285,008295,640343,640358,948
Total Deposits435,507473,526505,888537,831551,992
Equity Attributable to Parent Company40,65843,08333,97738,04938,069
Total Equity40,65843,08333,97738,04938,069
Profitability (%)   
Net Income ($000) 2,0082,8433,5363,4951,506
Net Income Attributable to Parent ($000) 2,0082,8433,5363,4951,506
ROAA0.410.560.640.601.00
Core ROAA0.390.540.610.771.00
ROAE5.126.758.109.5215.83
ROATCE6.238.299.619.5215.83
Core ROAE4.836.557.7412.2915.83
Net Interest Margin3.270.350.343.353.86
Reported: Net Interest MarginNA3.47NANA3.86
Efficiency Ratio81.4979.2177.0271.1069.51
Noninterest Inc / Operating Rev25.8325.8925.2026.2125.72
Balance Sheet Ratios (%)   
Loans / Deposits59.8960.9559.1164.6965.69
Securities / Assets27.9327.3932.7527.63NA
Total Equity / Total Assets8.318.136.086.376.26
Tangible Equity / Tangible Assets8.318.136.086.376.26
Tang Common Equity / Tang Assets6.206.186.086.376.26
Asset Quality (%)   
NPAs / AssetsNANANANANA
NPA Excl Restructured / Assets2.121.440.970.69NA
NPAs & 90+ PD / AssetsNANANANANA
NPAs / Loans & REONANANANANA
Nonaccrual & 90+ & OREO / Assets2.181.471.321.13NA
NPAs & 90+ PD / Loans & REONANANANANA
NPA & Loans 90+ / Tangible Common Equity + LLRNANANANANA
NCOs / Avg Loans0.180.040.0400.75
Loan Loss Reserves / Gross Loans1.391.321.311.231.05
Reserves / NPAsNANANANANA
Loan Loss Provision / NCO69.15245.83181.82NM28.19
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) NANANANANA
Tier 1 Capital ($000) 46,986NANANANA
Tier 2 Capital ($000) NANANANANA
Total Capital ($000) 50,633NANANANA
Total Risk-weighted Assets ($000) 294,923NANANANA
Tier 1 Common Capital (CET1) Ratio (%) NANANANANA
Tier 1 Ratio (%) 15.93NANANANA
Total Capital Ratio (%) 17.17NANANANA
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) 9.609.88NANANA
Basel III Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 2,398,3712,405,2422,412,2292,431,4412,433,188
Avg Diluted Shares (actual) 2,396,6842,403,4292,410,3072,421,9942,432,315
Basic Book Value per Share12.6613.6314.0915.6515.65
Basic Tangible Book Value per Share12.6613.6314.0915.6515.65
EPS after Extra0.751.101.381.440.62
EPS after Extra Growth (%) 29.4046.7025.504.3062.90
Core EPS0.701.071.311.860.62
Core EPS Growth (%) 46.1051.7023.3041.50NA
Diluted EPS before Amortization0.751.101.381.440.62
Pre-Provision Earnings per Share0.711.051.291.800.65
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