Financial Highlights Report

Financial Highlights
2018 FQ1 YTD
3/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
Balance Sheet ($000)
Total Assets 1,319,412 1,336,470 1,318,190 1,323,458 1,332,296
Total Net Loans 927,023 882,546 882,008 867,101 827,926
Total Deposits 1,017,863 1,039,390 1,014,229 998,794 981,323
Equity Attributable to Parent Company 111,134 108,390 113,698 120,771 108,999
Total Equity 111,134 108,390 113,698 120,771 108,999
Profitability (%)
Net Income($000) 2,506 5,269 7,281 12,991 5,597
Net Income Attributable to Parent($000) 2,506 5,269 7,281 12,991 5,597
ROAA 0.76 0.40 0.55 0.99 0.42
Core ROAA 0.76 0.40 0.52 0.37 0.40
ROAE 9.13 4.52 6.38 11.40 5.05
ROATCE 10.14 4.25 6.42 14.16 4.39
Core ROAE 9.15 4.55 6.01 4.25 4.84
Net Interest Margin 3.63 3.37 3.19 3.05 3.01
Reported: Net Interest Margin 3.68 3.37 3.19 3.04 3
Efficiency Ratio 70.81 71.03 73.18 78.14 74.76
Noninterest Inc/ Operating Rev 26.01 26.59 27.13 27.44 27.69
Balance Sheet Ratios (%)
Loans/ Deposits 92.07 85.82 87.91 88 85.59
Securities/ Assets 18.48 18.42 18.48 21.38 25.47
Total Equity/ Total Assets 8.42 8.11 8.63 9.13 8.18
Tangible Equity/ Tangible Assets 7.65 7.35 7.86 8.36 7.42
Tang Common Equity/ Tang Assets 7.65 7.35 6.33 6.08 5.15
Asset Quality (%)
NPAs/ Assets 1.43 1.67 2.44 2.32 2.41
NPA Excl Restructured/ Assets 1.05 1.29 1.89 1.69 1.84
NPAs & 90+ PD/ Assets 1.43 1.72 2.47 2.40 2.45
NPAs/ Loans & REO 1.99 2.48 3.57 3.47 3.76
Nonaccrual & 90+ & OREO/ Assets 1.06 1.34 1.92 1.77 1.88
NPAs & 90+ PD/ Loans & REO 2 2.55 3.61 3.58 3.83
NPA & Loans 90+/ Tangible Common Equity + LLR 17.11 21.40 35.21 34.60 40.76
NCOs/ Avg Loans (0.02) 0.28 0.57 0.14 0.49
Loan Loss Reserves/ Gross Loans 1.12 1.12 1.11 1.36 1.44
Reserves/ NPAs 55.63 44.56 30.81 38.83 37.58
Loan Loss Provision/ NCO NM 102.18 60.91 88.05 62.17
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 126,572 124,064 105,523 100,485 78,884
Tier 1 Capital($000) 150,893 148,072 145,008 153,283 149,130
Tier 2 Capital($000) 10,536 10,036 19,073 19,841 NA
Total Capital($000) 161,429 158,108 164,081 173,124 161,377
Total Risk-weighted Assets($000) 1,004,104 986,928 982,316 1,005,856 1,048,019
Tier 1 Common Capital (CET1) Ratio(%) 12.59 12.54 10.75 9.99 7.53
Tier 1 Ratio(%) 15.01 14.97 14.77 15.24 14.23
Total Capital Ratio(%) 16.06 15.98 16.71 17.21 15.40
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.45 11 10.95 11.64 11.29
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 7,067,425 7,067,425 6,269,004 6,254,620 6,228,366
Avg Diluted Shares(actual) 7,067,000 6,932,000 6,264,209 6,248,830 6,222,440
Basic Book Value per Share 15.72 15.34 14.95 14.51 12.68
As-reported Book Value per Share 15.73 15.34 14.95 14.51 13.30
Basic Tangible Book Value per Share 14.17 13.78 13.19 12.75 10.92
Reported: Tangible Book Value 14.55 14.34 13.76 13.20 11.37
Common Dividends Declared per Share 0.09 0 0 0 0
EPS after Extra 0.35 0.58 0.84 1.65 0.48
EPS after Extra Growth(%) 59.10 (31) (49.10) 243.80 (36.80)
Core EPS 0.35 0.58 0.77 0.34 0.44
Core EPS Growth(%) 58.80 (24.40) 125 (22.30) (41.10)
Diluted EPS before Amortization 0.35 0.58 0.84 1.65 0.48
Pre-Provision Earnings per Share 0.33 1.20 0.98 0.40 0.52
Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.
 
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