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Financial Highlights

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Select Period:
 2016 FQ3 YTD2015 FY2014 FY2013 FY2012 FY
Period Ended9/30/201612/31/201512/31/201412/31/201312/31/2012
Balance Sheet ($000)   
Total Assets369,144417,813336,624297,761285,281
Total Net Loans315,846315,194297,047260,950256,482
Total Deposits255,621281,701223,529172,983158,564
Equity Attributable to Parent Company63,49460,48061,53860,32562,447
Total Equity63,49460,48061,53860,32562,447
Profitability (%)   
Net Income ($000) 3,5343,1862,6831,5591,556
Net Income Attributable to Parent ($000) 3,5343,1862,6831,5591,556
ROAA1.220.890.820.540.54
Core ROAA1.220.890.670.540.54
ROAE7.595.174.392.482.39
ROATCE7.495.094.312.422.20
Core ROAE7.595.173.602.482.39
Net Interest Margin3.513.463.573.603.74
Reported: Net Interest Margin3.443.393.493.603.74
Efficiency Ratio55.7757.8263.7873.1563.10
Noninterest Inc / Operating Rev7.359.927.8216.1922.44
Balance Sheet Ratios (%)   
Loans / Deposits127.12115.25136.20154.34164.29
Securities / Assets0.870.770.741.161.62
Total Equity / Total Assets17.2014.4818.2820.2621.89
Tangible Equity / Tangible Assets17.2014.4818.2820.2621.89
Tang Common Equity / Tang Assets17.2014.4818.2820.2621.89
Asset Quality (%)   
NPAs / Assets1.921.792.772.383.95
NPA Excl Restructured / Assets1.871.742.512.052.93
NPAs & 90+ PD / Assets1.921.792.772.843.95
NPAs / Loans & REO2.182.293.052.634.27
Nonaccrual & 90+ & OREO / Assets1.871.742.512.522.93
NPAs & 90+ PD / Loans & REO2.182.293.053.144.27
NPA & Loans 90+ / Tangible Common Equity + LLR9.7510.5813.4012.4716.31
NCOs / Avg Loans(0.01)(0.43)0.22(0.04)2.02
Loan Loss Reserves / Gross Loans2.873.092.612.832.54
Reserves / NPAs131.27134.8185.63107.3259.17
Loan Loss Provision / NCONMNM159.13NM43.78
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) 63,36257,99058,763NA57,642
Tier 1 Capital ($000) 63,36257,99058,76357,93657,642
Tier 2 Capital ($000) 3,5953,8203,461NANA
Total Capital ($000) 66,95761,81062,22460,93560,607
Total Risk-weighted Assets ($000) 281,599298,149274,236235,391232,722
Tier 1 Common Capital (CET1) Ratio (%) 22.5019.4521.43NA24.77
Tier 1 Ratio (%) 22.5019.4521.4324.6024.77
Total Capital Ratio (%) 23.7820.7022.6925.9026.04
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) 17.0216.1417.5519.6020.26
Supplementary Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 2,118,7072,158,0342,263,8482,297,7252,459,082
Avg Diluted Shares (actual) 2,000,0002,022,0002,070,0002,192,0002,291,000
Basic Book Value per Share29.9728.0327.1826.2525.39
As-reported Book Value per Share29.98NA27.1826.25NA
Basic Tangible Book Value per Share29.9728.0327.1826.2525.39
Reported: Tangible Book Value29.98NA27.1826.25NA
Common Dividends Declared per Share01.000.600.401.00
EPS after Extra1.741.551.270.690.63
EPS after Extra Growth (%) 51.3022.0084.109.50NA
Core EPS1.741.551.040.690.63
Core EPS Growth (%) 51.3049.7050.109.50NA
Diluted EPS before Amortization1.741.551.270.690.63
Pre-Provision Earnings per Share1.491.751.350.921.26
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