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Financial Highlights

Financial Highlights
2016 FQ1
3/31/2016
2016 FQ2
6/30/2016
2016 FQ3
9/30/2016
2016 FQ4
12/31/2016
2017 FQ1
3/31/2017
Balance Sheet ($000)
Total Assets 761,440 764,172 770,272 1,070,685 1,089,939
Total Net Loans 484,553 489,170 504,172 812,156 811,145
Total Deposits 637,055 641,844 645,543 885,187 905,768
Equity Attributable to Parent Company 58,180 59,537 59,217 94,840 97,288
Total Equity 58,180 59,537 59,217 94,840 97,288
Profitability (%)
Net Income($000) 1,556 1,109 1 2,313 2,441
Net Income Attributable to Parent($000) 1,556 1,109 1 2,313 2,441
ROAA 0.84 0.58 0 0.85 0.91
Core ROAA 0.49 0.61 0.43 0.92 0.91
ROAE 10.91 7.54 0.01 9.86 10.14
ROATCE 10.94 7.56 0.02 10.88 12.24
Core ROAE 6.40 7.87 5.51 10.72 10.12
Net Interest Margin 3.18 3.10 3.11 3.68 3.66
Reported: Net Interest Margin 3.18 3.08 3.06 3.63 3.67
Efficiency Ratio 76.15 70.81 72.93 60.15 62.69
Noninterest Inc/ Operating Rev 17.39 17.79 17.15 11.96 11.72
Balance Sheet Ratios (%)
Loans/ Deposits 76.82 77.03 78.92 92.36 90.13
Securities/ Assets 27.64 29.67 25.88 17.55 16.89
Total Equity/ Total Assets 7.64 7.79 7.69 8.86 8.93
Tangible Equity/ Tangible Assets 7.63 7.78 7.68 7.46 7.57
Tang Common Equity/ Tang Assets 7.63 7.78 7.68 7.46 7.57
Asset Quality (%)
NPAs/ Assets 1.02 1.38 1.30 1.06 1.17
NPA Excl Restructured/ Assets 1 1.36 1.28 1.05 1.16
NPAs & 90+ PD/ Assets 1.04 1.40 1.30 1.06 1.17
NPAs/ Loans & REO 1.58 2.12 1.96 1.39 1.56
Nonaccrual & 90+ & OREO/ Assets 1.02 1.38 1.28 1.05 1.16
NPAs & 90+ PD/ Loans & REO 1.61 2.15 1.96 1.39 1.56
NPA & Loans 90+/ Tangible Common Equity + LLR 12.56 16.51 15.57 13.52 14.75
NCOs/ Avg Loans 0.08 0.10 0.04 0.01 0.14
Loan Loss Reserves/ Gross Loans 1.06 1.06 1.04 0.66 0.66
Reserves/ NPAs 66.46 49.85 52.85 47.26 42.39
Loan Loss Provision/ NCO 354.84 160 227.27 333.33 116.07
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 59,191 60,271 60,257 81,201 83,528
Tier 1 Capital($000) 68,191 69,271 69,257 90,201 92,528
Tier 2 Capital($000) 15,108 15,187 15,252 15,468 15,594
Total Capital($000) 83,299 84,458 84,509 105,669 108,122
Total Risk-weighted Assets($000) 552,579 557,051 574,042 845,500 860,547
Tier 1 Common Capital (CET1) Ratio(%) 10.71 10.82 10.50 9.60 9.71
Tier 1 Ratio(%) 12.34 12.43 12.06 10.67 10.75
Total Capital Ratio(%) 15.07 15.16 14.72 12.50 12.56
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.16 9.11 9.06 8.42 8.75
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 2,844,973 2,848,773 2,853,434 4,240,778 4,251,664
Avg Diluted Shares(actual) 2,869,119 2,882,729 2,885,799 4,230,000 4,274,209
Basic Book Value per Share 20.45 20.90 20.75 22.36 22.88
As-reported Book Value per Share 20.45 20.90 20.76 22.36 22.88
Basic Tangible Book Value per Share 20.43 20.88 20.73 18.56 19.11
Reported: Tangible Book Value 20.38 20.88 20.73 18.56 19.11
Common Dividends Declared per Share 0.07 0.07 0.07 0.07 0.07
EPS after Extra 0.54 0.39 0 0.55 0.57
EPS after Extra Growth(%) 25.60 (9.30) (100) 14.60 5.60
Core EPS 0.32 0.41 0 0.60 0.57
Core EPS Growth(%) (24.30) (4.90) NM 32 79.60
Diluted EPS before Amortization 0.54 0.39 0 0.56 0.58
Pre-Provision Earnings per Share 0.31 0.40 0 0.56 0.57
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.