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Financial Highlights

Financial Highlights
2016 FQ2
6/30/2016
2016 FQ3
9/30/2016
2016 FQ4
12/31/2016
2017 FQ1
3/31/2017
2017 FQ2
6/30/2017
Balance Sheet ($000)
Total Assets 764,172 770,272 1,070,685 1,089,939 1,081,460
Total Net Loans 489,170 504,172 812,156 811,145 811,258
Total Deposits 641,844 645,543 885,187 905,768 893,059
Equity Attributable to Parent Company 59,537 59,217 94,840 97,288 99,405
Total Equity 59,537 59,217 94,840 97,288 99,405
Profitability (%)
Net Income($000) 1,109 1 2,313 2,441 2,286
Net Income Attributable to Parent($000) 1,109 1 2,313 2,441 2,286
ROAA 0.58 0 0.85 0.91 0.84
Core ROAA 0.61 0.43 0.92 0.91 0.84
ROAE 7.54 0.01 9.86 10.14 9.20
ROATCE 7.56 0.02 10.88 12.24 11.05
Core ROAE 7.87 5.51 10.72 10.12 9.27
Net Interest Margin 3.10 3.11 3.68 3.66 3.55
Reported: Net Interest Margin 3.08 3.06 3.63 3.67 3.59
Efficiency Ratio 70.81 72.93 60.15 62.69 64.82
Noninterest Inc/ Operating Rev 17.79 17.15 11.96 11.72 13.09
Balance Sheet Ratios (%)
Loans/ Deposits 77.03 78.92 92.36 90.13 91.43
Securities/ Assets 29.67 25.88 17.55 16.89 16.99
Total Equity/ Total Assets 7.79 7.69 8.86 8.93 9.19
Tangible Equity/ Tangible Assets 7.78 7.68 7.46 7.57 7.83
Tang Common Equity/ Tang Assets 7.78 7.68 7.46 7.57 7.83
Asset Quality (%)
NPAs/ Assets 1.38 1.30 1.06 1.17 1.14
NPA Excl Restructured/ Assets 1.36 1.28 1.05 1.16 1.13
NPAs & 90+ PD/ Assets 1.40 1.30 1.06 1.17 1.14
NPAs/ Loans & REO 2.12 1.96 1.39 1.56 1.50
Nonaccrual & 90+ & OREO/ Assets 1.38 1.28 1.05 1.16 1.13
NPAs & 90+ PD/ Loans & REO 2.15 1.96 1.39 1.56 1.50
NPA & Loans 90+/ Tangible Common Equity + LLR 16.51 15.57 13.52 14.75 13.89
NCOs/ Avg Loans 0.10 0.04 0.01 0.14 0.36
Loan Loss Reserves/ Gross Loans 1.06 1.04 0.66 0.66 0.65
Reserves/ NPAs 49.85 52.85 47.26 42.39 42.77
Loan Loss Provision/ NCO 160 227.27 333.33 116.07 79.48
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 60,271 60,257 81,201 83,528 85,610
Tier 1 Capital($000) 69,271 69,257 90,201 92,528 94,610
Tier 2 Capital($000) 15,187 15,252 15,468 15,594 15,357
Total Capital($000) 84,458 84,509 105,669 108,122 109,967
Total Risk-weighted Assets($000) 557,051 574,042 845,500 860,547 836,035
Tier 1 Common Capital (CET1) Ratio(%) 10.82 10.50 9.60 9.71 10.24
Tier 1 Ratio(%) 12.43 12.06 10.67 10.75 11.32
Total Capital Ratio(%) 15.16 14.72 12.50 12.56 13.15
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.11 9.06 8.42 8.75 8.80
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 2,848,773 2,853,434 4,240,778 4,251,664 4,258,073
Avg Diluted Shares(actual) 2,882,729 2,885,799 4,230,000 4,274,209 4,292,411
Basic Book Value per Share 20.90 20.75 22.36 22.88 23.35
As-reported Book Value per Share 20.90 20.76 22.36 22.88 23.35
Basic Tangible Book Value per Share 20.88 20.73 18.56 19.11 19.59
Reported: Tangible Book Value 20.88 20.73 18.56 19.11 19.59
Common Dividends Declared per Share 0.07 0.07 0.07 0.07 0.07
EPS after Extra 0.39 0 0.55 0.57 0.53
EPS after Extra Growth(%) (9.30) (100) 14.60 5.60 35.90
Core EPS 0.41 0 0.60 0.57 0.53
Core EPS Growth(%) (4.90) NM 32 79.60 31.10
Diluted EPS before Amortization 0.39 0 0.56 0.58 0.54
Pre-Provision Earnings per Share 0.40 0 0.56 0.57 0.55
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.