Financial Highlights

Select Period: Financial Charting
 2013 FY2014 FY2015 FY2016 FY2017 FQ3 YTD
Period Ended12/31/201312/31/201412/31/201512/31/20169/30/2017
Balance Sheet ($000)   
Total Assets486,909489,395530,087558,566594,262
Total Net Loans249,429257,809285,008295,640347,441
Total Deposits435,899435,507473,526505,888534,934
Equity Attributable to Parent Company37,84340,65843,08333,97738,573
Total Equity37,84340,65843,08333,97738,573
Profitability (%)   
Net Income ($000) 1,7632,0082,8433,5363,580
Net Income Attributable to Parent ($000) 1,7632,0082,8433,5363,580
ROAA0.370.410.560.640.82
Core ROAA0.320.390.540.61NA
ROAE4.615.126.758.1013.20
ROATCE5.296.238.299.6113.20
Core ROAE3.954.836.557.74NA
Net Interest Margin3.273.270.350.343.63
Reported: Net Interest MarginNANA3.47NA3.63
Efficiency Ratio81.3381.4979.2177.0271.19
Noninterest Inc / Operating Rev25.4725.8325.8925.2025.73
Balance Sheet Ratios (%)   
Loans / Deposits57.8959.8960.9559.11NA
Securities / Assets24.5927.9327.3932.75NA
Total Equity / Total Assets7.778.318.136.086.49
Tangible Equity / Tangible Assets7.778.318.136.086.49
Tang Common Equity / Tang Assets5.666.206.186.086.49
Asset Quality (%)   
NPAs / AssetsNANANANANA
NPA Excl Restructured / Assets2.732.121.440.97NA
NPAs & 90+ PD / AssetsNANANANANA
NPAs / Loans & REONANANANANA
Nonaccrual & 90+ & OREO / Assets2.782.181.471.32NA
NPAs & 90+ PD / Loans & REONANANANANA
NPA & Loans 90+ / Tangible Common Equity + LLRNANANANANA
NCOs / Avg Loans0.470.180.040.04NA
Loan Loss Reserves / Gross Loans1.501.391.321.31NA
Reserves / NPAsNANANANANA
Loan Loss Provision / NCO41.2669.15245.83181.82NA
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) NANANANANA
Tier 1 Capital ($000) 45,19446,986NANANA
Tier 2 Capital ($000) NANANANANA
Total Capital ($000) 48,81250,633NANANA
Total Risk-weighted Assets ($000) 289,874294,923NANANA
Tier 1 Common Capital (CET1) Ratio (%) NANANANANA
Tier 1 Ratio (%) 15.5915.93NANANA
Total Capital Ratio (%) 16.8417.17NANANA
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) 9.449.609.88NA8.35
Basel III Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 2,556,2212,398,3712,405,2422,412,2292,431,202
Avg Diluted Shares (actual) 2,556,1462,396,6842,403,4292,410,3072,418,919
Basic Book Value per Share10.7712.6613.6314.0915.87
Basic Tangible Book Value per Share10.7712.6613.6314.0915.87
EPS after Extra0.580.751.101.381.48
EPS after Extra Growth (%) 63.2029.4046.7025.5043.70
Core EPS0.480.701.071.31NA
Core EPS Growth (%) 326.7046.1051.7023.30NA
Diluted EPS before Amortization0.580.751.101.381.48
Pre-Provision Earnings per Share0.570.711.051.291.47
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