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Financial Highlights

Financial Highlights
2017 FQ1
3/31/2017
2017 FQ2
6/30/2017
2017 FQ3
9/30/2017
2017 FQ4
12/31/2017
2018 FQ1
3/31/2018
Balance Sheet ($000)
Total Assets 1,089,939 1,081,460 1,065,683 1,081,915 1,100,030
Total Net Loans 811,145 811,258 814,509 840,705 858,846
Total Deposits 905,768 893,059 871,328 861,203 891,786
Equity Attributable to Parent Company 97,288 99,405 101,884 101,942 103,670
Total Equity 97,288 99,405 101,884 101,942 103,670
Profitability (%)
Net Income($000) 2,441 2,286 2,411 808 2,613
Net Income Attributable to Parent($000) 2,441 2,286 2,411 808 2,613
ROAA 0.91 0.84 0.90 0.30 0.96
Core ROAA 0.91 0.84 0.91 0.96 0.97
ROAE 10.14 9.20 9.50 3.12 10.11
ROATCE 12.24 11.05 11.35 3.77 12.04
Core ROAE 10.12 9.27 9.57 9.95 10.18
Net Interest Margin 3.66 3.62 3.79 3.81 3.47
Reported: Net Interest Margin 3.67 3.59 3.72 3.74 3.51
Efficiency Ratio 62.69 63.70 63.49 64.66 64.61
Noninterest Inc/ Operating Rev 11.72 13.09 11.79 11.64 12.36
Balance Sheet Ratios (%)
Loans/ Deposits 90.13 91.43 94.08 98.22 96.92
Securities/ Assets 16.89 17.01 17.06 16.83 16.25
Total Equity/ Total Assets 8.93 9.19 9.56 9.42 9.42
Tangible Equity/ Tangible Assets 7.57 7.83 8.18 8.07 8.09
Tang Common Equity/ Tang Assets 7.57 7.83 8.18 8.07 8.09
Asset Quality (%)
NPAs/ Assets 1.17 1.14 1.23 1.26 1.32
NPA Excl Restructured/ Assets 1.16 1.13 1.13 1.16 1.22
NPAs & 90+ PD/ Assets 1.17 1.14 1.23 1.27 1.32
NPAs/ Loans & REO 1.56 1.50 1.60 1.60 1.67
Nonaccrual & 90+ & OREO/ Assets 1.16 1.13 1.13 1.16 1.22
NPAs & 90+ PD/ Loans & REO 1.56 1.50 1.60 1.61 1.67
NPA & Loans 90+/ Tangible Common Equity + LLR 14.75 13.89 14.38 14.91 15.47
NCOs/ Avg Loans 0.14 0.36 0.02 0.06 0.03
Loan Loss Reserves/ Gross Loans 0.66 0.65 0.68 0.69 0.71
Reserves/ NPAs 42.39 42.77 42.51 42.84 42.32
Loan Loss Provision/ NCO 116.07 79.48 NM 297.62 513.70
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 83,528 85,610 88,001 88,459 91,396
Tier 1 Capital($000) 92,528 94,610 97,001 97,459 100,396
Tier 2 Capital($000) 15,594 15,357 15,653 15,941 16,285
Total Capital($000) 108,122 109,967 112,654 113,400 116,681
Total Risk-weighted Assets($000) 860,547 836,037 816,686 826,056 860,180
Tier 1 Common Capital (CET1) Ratio(%) 9.71 10.24 10.78 10.71 10.63
Tier 1 Ratio(%) 10.75 11.32 11.88 11.80 11.67
Total Capital Ratio(%) 12.56 13.15 13.79 13.73 13.56
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.75 8.80 9.22 9.19 9.33
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 4,251,664 4,258,073 4,262,721 4,286,117 4,292,689
Avg Diluted Shares(actual) 4,274,209 4,292,411 4,296,371 4,297,000 4,308,847
Basic Book Value per Share 22.88 23.35 23.90 23.78 24.15
As-reported Book Value per Share 22.88 23.35 23.90 23.78 24.15
Basic Tangible Book Value per Share 19.11 19.59 20.15 20.06 20.44
Reported: Tangible Book Value 19.11 19.59 20.15 20.06 20.44
Common Dividends Declared per Share 0.07 0.07 0.07 0.07 0.07
EPS after Extra 0.57 0.53 0.56 0.19 0.61
EPS after Extra Growth(%) 5.60 35.90 NM (65.50) 7
Core EPS 0.57 0.53 0.56 0.61 0.61
Core EPS Growth(%) 79.60 31.10 NM 1.30 8
Diluted EPS before Amortization 0.58 0.54 0.57 0.20 0.62
Pre-Provision Earnings per Share 0.57 0.55 0.57 0.57 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.