Financial Highlights Report
Financial Highlights
2016 FQ3 YTD
9/30/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
2013 FY
12/31/2013
2012 FY
12/31/2012
Balance Sheet ($000)
Total Assets 1,377,780 1,339,930 1,320,096 1,276,841 1,301,462
Total Net Loans 937,693 809,373 716,738 629,968 587,124
Total Deposits 962,558 900,363 834,218 817,112 753,413
Equity Attributable to Parent Company 145,223 139,466 142,543 154,144 189,187
Total Equity 145,223 139,466 142,543 154,144 189,187
Profitability (%)
Net Income($000) 2,981 5,715 6,162 6,756 6,254
Net Income Attributable to Parent($000) 2,981 5,715 6,162 6,756 6,254
ROAA 0.30 0.42 0.48 0.53 0.48
Core ROAA 0.38 0.35 0.46 0.34 0.34
ROAE 2.81 4.10 4.18 4.04 2.97
ROATCE 2.81 4.10 4.18 4.04 2.97
Core ROAE 3.57 3.36 4.04 2.60 2.10
Net Interest Margin 2.62 2.53 2.60 2.58 2.53
Reported: Net Interest Margin 2.62 2.53 2.60 2.58 2.53
Efficiency Ratio 77.36 77.50 72.44 83.24 78.20
Noninterest Inc/ Operating Rev 10.60 9.25 11.76 1.86 9.26
Balance Sheet Ratios (%)
Loans/ Deposits 98.45 90.88 86.87 78.01 78.96
Securities/ Assets 22.34 32.53 38.54 43.38 48.85
Total Equity/ Total Assets 10.54 10.41 10.80 12.07 14.54
Tangible Equity/ Tangible Assets 10.54 10.41 10.80 12.07 14.54
Tang Common Equity/ Tang Assets 10.54 10.41 10.80 12.07 14.54
Asset Quality (%)
NPAs/ Assets 0.59 0.63 0.67 1.33 1.44
NPA Excl Restructured/ Assets 0.53 0.60 0.67 0.20 0.31
NPAs & 90+ PD/ Assets 0.59 0.63 0.67 1.33 1.44
NPAs/ Loans & REO 0.86 1.03 1.22 2.67 3.15
Nonaccrual & 90+ & OREO/ Assets 0.53 0.60 0.67 0.20 0.31
NPAs & 90+ PD/ Loans & REO 0.86 1.03 1.22 2.67 3.15
NPA & Loans 90+/ Tangible Common Equity + LLR 5.22 5.70 5.87 10.54 9.53
NCOs/ Avg Loans (0.10) 0.05 0.16 0.01 0.12
Loan Loss Reserves/ Gross Loans 1.05 1.08 1.10 1.17 1.31
Reserves/ NPAs 122.46 104.55 90.01 43.77 41.51
Loan Loss Provision/ NCO NM 332.90 145.03 NM 104.49
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 152,501 150,444 NA NA NA
Tier 1 Capital($000) 152,501 150,444 150,018 157,119 178,201
Tier 2 Capital($000) 10,104 8,942 NA NA NA
Total Capital($000) 162,605 159,386 158,016 164,605 186,084
Total Risk-weighted Assets($000) 1,015,087 926,706 845,941 777,590 732,327
Tier 1 Common Capital (CET1) Ratio(%) 15.02 16.23 NA NA NA
Tier 1 Ratio(%) 15.02 16.23 17.73 20.21 24.33
Total Capital Ratio(%) 16.02 17.20 18.68 21.17 25.41
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.43 11.16 11.30 12.28 13.91
Supplementary Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 18,330,487 18,267,747 18,734,791 20,140,669 22,843,722
Avg Diluted Shares(actual) 17,340,101 17,497,620 18,183,739 20,079,265 24,519,515
Basic Book Value per Share 7.92 7.63 7.61 7.65 8.28
As-reported Book Value per Share 7.92 7.63 7.61 7.65 8.28
Basic Tangible Book Value per Share 7.92 7.63 7.61 7.65 8.28
Reported: Tangible Book Value 7.92 7.63 7.61 7.65 8.28
Common Dividends Declared per Share 0.09 0.12 0.21 0.29 0.44
EPS after Extra 0.17 0.33 0.34 0.34 0.26
EPS after Extra Growth(%) (32) (2.90) 0 30.80 18.20
Core EPS 0.22 0.27 0.33 0.22 0.18
Core EPS Growth(%) 14.50 (17.60) 49.80 19.20 (14.50)
Diluted EPS before Amortization 0.17 0.33 0.34 0.34 0.26
Pre-Provision Earnings per Share 0.23 0.28 0.33 0.15 0.17
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.