Financial Highlights Report

Financial Highlights
2017 FQ2 YTD
6/30/2017
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 1,325,685 1,318,190 1,323,458 1,332,296 1,334,046
Total Net Loans 886,033 882,008 867,101 827,926 796,646
Total Deposits 1,037,712 1,014,229 998,794 981,323 977,403
Equity Attributable to Parent Company 118,561 113,698 120,771 108,999 101,883
Total Equity 118,561 113,698 120,771 108,999 101,883
Profitability (%)
Net Income($000) 4,289 7,281 12,991 5,597 6,475
Net Income Attributable to Parent($000) 4,289 7,281 12,991 5,597 6,475
ROAA 0.65 0.55 0.99 0.42 0.48
Core ROAA 0.65 0.52 0.37 0.40 0.48
ROAE 7.40 6.38 11.40 5.05 6.44
ROATCE 7.66 6.42 14.16 4.39 7.97
Core ROAE 7.42 6.01 4.25 4.84 6.39
Net Interest Margin 3.32 3.19 3.05 3.01 3.25
Reported: Net Interest Margin 3.35 3.19 3.04 3 3.25
Efficiency Ratio 71.59 73.18 78.14 74.76 74.23
Noninterest Inc/ Operating Rev 26.52 27.13 27.44 27.69 25.82
Balance Sheet Ratios (%)
Loans/ Deposits 86.28 87.91 88 85.59 82.89
Securities/ Assets 17.63 18.48 21.38 25.47 26.21
Total Equity/ Total Assets 8.94 8.63 9.13 8.18 7.64
Tangible Equity/ Tangible Assets 8.18 7.86 8.36 7.42 6.87
Tang Common Equity/ Tang Assets 7.42 6.33 6.08 5.15 4.60
Asset Quality (%)
NPAs/ Assets 2.12 2.44 2.32 2.41 3.37
NPA Excl Restructured/ Assets 1.59 1.89 1.69 1.84 2.58
NPAs & 90+ PD/ Assets 2.21 2.47 2.40 2.45 3.47
NPAs/ Loans & REO 3.10 3.57 3.47 3.76 5.44
Nonaccrual & 90+ & OREO/ Assets 1.68 1.92 1.77 1.88 2.67
NPAs & 90+ PD/ Loans & REO 3.23 3.61 3.58 3.83 5.59
NPA & Loans 90+/ Tangible Common Equity + LLR 27.29 35.21 34.60 40.76 62.07
NCOs/ Avg Loans 0.20 0.57 0.14 0.49 0.34
Loan Loss Reserves/ Gross Loans 1.11 1.11 1.36 1.44 1.68
Reserves/ NPAs 35.29 30.81 38.83 37.58 30.21
Loan Loss Provision/ NCO 100.44 60.91 88.05 62.17 13.41
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 118,813 105,523 100,485 78,884 74,592
Tier 1 Capital($000) 151,986 145,008 153,283 149,130 144,303
Tier 2 Capital($000) 9,982 19,073 19,841 NA NA
Total Capital($000) 161,968 164,081 173,124 161,377 161,349
Total Risk-weighted Assets($000) 981,323 982,316 1,005,856 1,048,019 1,051,942
Tier 1 Common Capital (CET1) Ratio(%) 12.11 10.74 9.99 7.53 7.09
Tier 1 Ratio(%) 15.49 14.76 15.24 14.23 13.71
Total Capital Ratio(%) 16.51 16.71 17.21 15.40 15.33
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.55 10.95 11.64 11.29 11.02
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 7,067,425 6,269,004 6,254,620 6,228,366 6,210,587
Avg Diluted Shares(actual) 6,796,000 6,264,209 6,248,830 6,222,440 6,206,819
Basic Book Value per Share 15.36 14.95 14.51 12.68 11.58
As-reported Book Value per Share 15.36 14.95 14.51 13.30 11.49
Basic Tangible Book Value per Share 13.80 13.19 12.75 10.92 9.80
Reported: Tangible Book Value NA 13.76 13.20 11.37 10.11
Common Dividends Declared per Share 0 0 0 0 0
EPS after Extra 0.52 0.84 1.65 0.48 0.76
EPS after Extra Growth(%) 33.30 (49.10) 243.80 (36.80) 58.30
Core EPS 0.52 0.77 0.34 0.44 0.75
Core EPS Growth(%) 50.90 125 (22.30) (41.10) 218.80
Diluted EPS before Amortization 0.52 0.84 1.65 0.48 0.76
Pre-Provision Earnings per Share 0.55 0.98 0.40 0.52 0.66
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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