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Financial Highlights

Financial Highlights
2015 FQ4
12/31/2015
2016 FQ1
3/31/2016
2016 FQ2
6/30/2016
2016 FQ3
9/30/2016
2016 FQ4
12/31/2016
Balance Sheet ($000)
Total Assets 748,818 761,440 764,172 770,272 1,070,685
Total Net Loans 476,823 484,553 489,170 504,172 812,156
Total Deposits 606,275 637,055 641,844 645,543 885,187
Equity Attributable to Parent Company 55,488 58,180 59,537 59,217 94,840
Total Equity 55,488 58,180 59,537 59,217 94,840
Profitability (%)
Net Income($000) 1,382 1,556 1,109 1 2,313
Net Income Attributable to Parent($000) 1,382 1,556 1,109 1 2,313
ROAA 0.74 0.84 0.58 0 0.85
Core ROAA 0.70 0.49 0.61 0.43 0.92
ROAE 9.39 10.91 7.54 0.01 9.86
ROATCE 9.97 10.94 7.56 0.02 10.84
Core ROAE 8.86 6.40 7.87 5.51 10.72
Net Interest Margin 3.19 3.18 3.10 3.11 3.60
Reported: Net Interest Margin 3.14 3.18 3.08 3.06 3.63
Efficiency Ratio 68.45 76.15 70.81 72.93 61.37
Noninterest Inc/ Operating Rev 17.67 17.39 17.79 17.15 11.96
Balance Sheet Ratios (%)
Loans/ Deposits 79.46 76.82 77.03 78.92 92.36
Securities/ Assets 29.90 27.64 29.67 25.88 NA
Total Equity/ Total Assets 7.41 7.64 7.79 7.69 8.86
Tangible Equity/ Tangible Assets 7.40 7.63 7.78 7.68 7.51
Tang Common Equity/ Tang Assets 7.40 7.63 7.78 7.68 7.51
Asset Quality (%)
NPAs/ Assets 0.98 1.02 1.38 1.30 NA
NPA Excl Restructured/ Assets 0.96 1 1.36 1.28 NA
NPAs & 90+ PD/ Assets 1.04 1.04 1.40 1.30 NA
NPAs/ Loans & REO 1.52 1.58 2.12 1.96 NA
Nonaccrual & 90+ & OREO/ Assets 1.02 1.02 1.38 1.28 NA
NPAs & 90+ PD/ Loans & REO 1.61 1.61 2.15 1.96 NA
NPA & Loans 90+/ Tangible Common Equity + LLR 12.95 12.56 16.51 15.57 NA
NCOs/ Avg Loans 0.07 0.08 0.10 0.04 NA
Loan Loss Reserves/ Gross Loans 1.02 1.06 1.06 1.04 0.66
Reserves/ NPAs 67.07 66.46 49.85 52.85 NA
Loan Loss Provision/ NCO 345.24 354.84 160 227.27 NA
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 57,448 59,191 60,271 60,257 NA
Tier 1 Capital($000) 66,448 68,191 69,271 69,257 NA
Tier 2 Capital($000) 14,873 15,108 15,187 15,252 NA
Total Capital($000) 81,321 83,299 84,458 84,509 NA
Total Risk-weighted Assets($000) 550,037 552,579 557,051 574,042 NA
Tier 1 Common Capital (CET1) Ratio(%) 10.44 10.71 10.82 10.50 9.59
Tier 1 Ratio(%) 12.08 12.34 12.43 12.06 10.65
Total Capital Ratio(%) 14.78 15.07 15.16 14.72 12.48
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.94 9.16 9.11 9.06 8.42
Supplementary Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 2,823,840 2,844,973 2,848,773 2,853,434 4,241,503
Avg Diluted Shares(actual) 2,857,000 2,869,119 2,882,729 2,885,799 4,230,000
Basic Book Value per Share 19.65 20.45 20.90 20.75 22.36
As-reported Book Value per Share 19.65 20.45 20.90 20.76 22.36
Basic Tangible Book Value per Share 19.63 20.43 20.88 20.73 18.68
Reported: Tangible Book Value 19.58 20.38 20.88 20.73 18.56
Common Dividends Declared per Share 0.07 0.07 0.07 0.07 0.07
EPS after Extra 0.48 0.54 0.39 0 0.55
EPS after Extra Growth(%) (4) 25.60 (9.30) (100) 14.60
Core EPS 0.45 0.32 0.41 0 0.60
Core EPS Growth(%) 12.80 (24.30) (4.90) NM 32
Diluted EPS before Amortization 0.48 0.54 0.39 0 0.56
Pre-Provision Earnings per Share 0.43 0.31 0.40 0 0.56
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.