Financial Highlights

Financial Highlights
2017 FQ1 YTD
3/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
2013 FY
12/31/2013
Balance Sheet ($000)
Total Assets 784,098 787,972 725,644 663,169 635,929
Total Net Loans 538,800 561,932 505,663 446,824 384,025
Total Deposits 670,541 676,629 621,805 565,373 542,489
Equity Attributable to Parent Company 98,498 96,654 89,635 82,826 76,543
Total Equity 98,498 96,654 89,635 82,826 76,543
Profitability (%)
Net Income($000) 1,771 7,385 6,810 6,216 7,269
Net Income Attributable to Parent($000) 1,771 7,385 6,810 6,216 7,269
ROAA 0.90 0.98 0.98 0.93 1.13
Core ROAA 0.90 0.99 0.97 0.86 1.15
ROAE 7.24 7.88 7.88 7.80 10.09
ROATCE 7.59 8.28 8.31 8.32 10.97
Core ROAE 7.24 7.97 7.83 7.27 10.26
Net Interest Margin 4.04 4.11 4.22 4.01 3.86
Reported: Net Interest Margin 4.10 4.11 4.22 4.01 3.86
Efficiency Ratio 63.39 61.26 61.62 66.22 73.45
Noninterest Inc/ Operating Rev 11.17 13.86 15.16 15.84 15.65
Balance Sheet Ratios (%)
Loans/ Deposits 81.69 84.36 82.88 80.94 72.81
Securities/ Assets NA NA NA 7.97 7.58
Total Equity/ Total Assets 12.56 12.27 12.35 12.49 12.04
Tangible Equity/ Tangible Assets 12.06 11.76 11.81 11.89 11.40
Tang Common Equity/ Tang Assets 12.06 11.76 11.81 11.89 11.40
Asset Quality (%)
NPAs/ Assets 2.54 2.40 4.42 4.46 5.04
NPA Excl Restructured/ Assets 1.74 1.74 2.90 3.61 4.13
NPAs & 90+ PD/ Assets 2.54 2.55 4.42 4.46 5.04
NPAs/ Loans & REO 3.59 3.27 6.08 6.27 7.84
Nonaccrual & 90+ & OREO/ Assets 1.74 1.90 2.90 3.61 4.13
NPAs & 90+ PD/ Loans & REO 3.59 3.49 6.08 6.27 7.84
NPA & Loans 90+/ Tangible Common Equity + LLR 19.33 19.92 33.83 33.20 38.62
NCOs/ Avg Loans (0.02) 0.15 0.21 (0.15) (0.08)
Loan Loss Reserves/ Gross Loans 1.63 1.56 1.88 2.35 2.78
Reserves/ NPAs 44.96 47.15 30.26 36.41 34.29
Loan Loss Provision/ NCO NM (2.66) (4.03) NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 92,600 85,237 75,584 NA
Tier 1 Capital($000) NA 100,968 93,073 85,234 71,827
Tier 2 Capital($000) NA 7,900 7,586 NA NA
Total Capital($000) NA 108,868 100,659 91,935 77,530
Total Risk-weighted Assets($000) NA 630,790 604,518 531,696 450,824
Tier 1 Common Capital (CET1) Ratio(%) 15.71 14.68 14.10 14.22 NA
Tier 1 Ratio(%) 17.16 16.01 15.40 16.03 15.93
Total Capital Ratio(%) 18.41 17.26 16.65 17.29 17.20
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 13.16 12.97 12.95 12.49 11.19
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 16,874,890 16,872,347 16,870,189 16,870,189 16,843,654
Avg Diluted Shares(actual) 16,888,573 16,877,916 16,871,986 16,859,572 16,842,223
Basic Book Value per Share 5.84 5.73 5.31 4.91 4.54
As-reported Book Value per Share 5.84 5.73 5.32 4.92 4.52
Basic Tangible Book Value per Share 5.57 5.46 5.05 4.64 4.27
Reported: Tangible Book Value 5.57 5.47 5.05 4.63 4.27
Common Dividends Declared per Share 0 0 0 0 0
EPS after Extra 0.10 0.44 0.41 0.37 0.43
EPS after Extra Growth(%) 0 7.30 9.40 (13.80) 18.60
Core EPS 0.10 0.44 0.40 0.35 0.44
Core EPS Growth(%) (4.40) 9.20 16.70 (21) 34.40
Diluted EPS before Amortization 0.10 0.44 0.41 0.37 0.44
Pre-Provision Earnings per Share 0.11 0.47 0.43 0.34 0.24
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