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Financial Highlights

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Select Period:
 2017 FQ2 YTD2016 FY2015 FY2014 FY2013 FY
Period Ended6/30/201712/31/201612/31/201512/31/201412/31/2013
Balance Sheet ($000)   
Total Assets385,889434,435417,813336,624297,761
Total Net Loans314,432320,844315,194297,047260,950
Total Deposits262,673280,548281,701223,529172,983
Equity Attributable to Parent Company62,21360,97460,48061,53860,325
Total Equity62,21360,97460,48061,53860,325
Profitability (%)   
Net Income ($000) 2,6084,3533,1862,6831,559
Net Income Attributable to Parent ($000) 2,6084,3533,1862,6831,559
ROAA1.321.140.890.820.54
Core ROAA1.571.140.890.670.54
ROAE8.417.005.174.392.48
ROATCE8.336.925.094.312.42
Core ROAE10.027.005.173.602.48
Net Interest Margin3.583.443.463.573.60
Reported: Net Interest Margin3.393.383.393.493.60
Efficiency Ratio57.8057.0957.8263.7873.15
Noninterest Inc / Operating Rev6.647.349.927.8216.19
Balance Sheet Ratios (%)   
Loans / Deposits122.48117.60115.25136.20154.34
Securities / Assets0.700.740.770.741.16
Total Equity / Total Assets16.1214.0414.4818.2820.26
Tangible Equity / Tangible Assets16.1214.0414.4818.2820.26
Tang Common Equity / Tang Assets16.1214.0414.4818.2820.26
Asset Quality (%)   
NPAs / Assets1.261.491.792.772.38
NPA Excl Restructured / Assets1.211.421.742.512.05
NPAs & 90+ PD / Assets1.261.491.792.772.84
NPAs / Loans & REO1.511.962.293.052.63
Nonaccrual & 90+ & OREO / Assets1.211.421.742.512.52
NPAs & 90+ PD / Loans & REO1.511.962.293.053.14
NPA & Loans 90+ / Tangible Common Equity + LLR7.019.1910.5813.4012.47
NCOs / Avg Loans(0.01)(0.01)(0.43)0.22(0.04)
Loan Loss Reserves / Gross Loans2.272.823.092.612.83
Reserves / NPAs149.56144.39134.8185.63107.32
Loan Loss Provision / NCONMNMNM159.13NM
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) 60,84560,07757,99058,763NA
Tier 1 Capital ($000) 60,84560,07757,99058,76357,936
Tier 2 Capital ($000) 3,7993,8033,8203,461NA
Total Capital ($000) 64,64463,88061,81062,22460,935
Total Risk-weighted Assets ($000) 300,076298,317298,149274,236235,391
Tier 1 Common Capital (CET1) Ratio (%) 20.2820.1419.4521.43NA
Tier 1 Ratio (%) 20.2820.1419.4521.4324.60
Total Capital Ratio (%) 21.5421.4120.7022.6925.90
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) 16.9816.2416.1417.5519.60
Basel III Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 2,105,9812,106,1532,158,0342,263,8482,297,725
Avg Diluted Shares (actual) 2,012,0001,993,0002,022,0002,070,0002,192,000
Basic Book Value per Share29.5428.9528.0327.1826.25
Book Value per Share, As Reported29.5428.9528.0327.1826.25
Basic Tangible Book Value per Share29.5428.9528.0327.1826.25
Tangible Book Value per Share, As Reported29.5428.9528.0327.1826.25
Common Dividends Declared per Share01.601.000.600.40
EPS after Extra1.282.161.551.270.69
EPS after Extra Growth (%) 21.9039.4022.0084.109.50
Core EPS1.532.161.551.040.69
Core EPS Growth (%) 45.5039.4049.7050.109.50
Diluted EPS before Amortization1.282.161.551.270.69
Pre-Provision Earnings per Share0.941.931.751.350.92
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