Financial Highlights

Financial Highlights
2017 FQ2
6/30/2017
2016 FQ2
6/30/2016
Y-Y Ch (%)
2017 FQ1
3/31/2017
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 689,888 604,042 14.21 663,610 15.84
Total Net Loans 471,418 426,679 10.49 465,243 5.31
Total Deposits 616,159 534,634 15.25 589,293 18.24
Equity Attributable to Parent Company 52,928 46,412 14.04 50,536 18.93
Total Equity 52,928 46,412 14.04 50,536 18.93
Profitability (%)
Net Income($000) 2,541 1,837 38.32 2,064 92.44
Net Income Attributable to Parent($000) 2,541 1,837 38.32 2,064 92.44
ROAA 1.53 1.23 30 bp 1.24 29 bp
Core ROAA 1.53 1.23 30 bp 1.25 28 bp
ROAE 19.61 16.19 342 bp 16.65 296 bp
ROATCE NA NA NA NA NA
Core ROAE 19.61 16.19 342 bp 16.73 288 bp
Net Interest Margin 4.50 4.24 26 bp 4.24 26 bp
Reported: Net Interest Margin 4.51 4.26 25 bp 4.30 21 bp
Efficiency Ratio 52.78 59.48 (670) bp 59.01 (623) bp
Noninterest Inc/ Operating Rev 25.73 26.06 (33) bp 24.08 165 bp
Balance Sheet Ratios (%)
Loans/ Deposits 77.18 80.89 (371) bp 79.20 (202) bp
Securities/ Assets 16.67 16.86 (19) bp 17.08 (41) bp
Total Equity/ Total Assets 7.67 7.68 (1) bp 7.62 5 bp
Tangible Equity/ Tangible Assets NA NA NA NA NA
Tang Common Equity/ Tang Assets NA NA NA NA NA
Asset Quality (%)
NPAs/ Assets 0.89 1.42 (53) bp 0.97 (8) bp
NPA Excl Restructured/ Assets 0.54 0.96 (42) bp 0.57 (3) bp
NPAs & 90+ PD/ Assets 0.89 1.42 (53) bp 0.97 (8) bp
NPAs/ Loans & REO 1.28 1.97 (69) bp 1.37 (9) bp
Nonaccrual & 90+ & OREO/ Assets 0.54 0.96 (42) bp 0.57 (3) bp
NPAs & 90+ PD/ Loans & REO 1.28 1.97 (69) bp 1.37 (9) bp
NPA & Loans 90+/ Tangible Common Equity + LLR NA NA NA NA NA
NCOs/ Avg Loans 0.07 (0.03) 10 bp 0.01 6 bp
Loan Loss Reserves/ Gross Loans 1.43 1.48 (5) bp 1.43 0 bp
Loan Loss Provision/ NCO 227.27 NM NM NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA NA NA NA NA
Tier 1 Capital($000) NA NA NA NA NA
Tier 2 Capital($000) NA NA NA NA NA
Total Capital($000) NA NA NA NA NA
Total Risk-weighted Assets($000) NA NA NA NA NA
Tier 1 Common Capital (CET1) Ratio(%) NA NA NA NA NA
Tier 1 Ratio(%) NA NA NA NA NA
Total Capital Ratio(%) NA NA NA NA NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA NA NA NA NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 5,042,971 4,861,635 3.73 4,926,860 9.43
Avg Diluted Shares(actual) 5,180,000 5,047,000 2.64 5,164,000 1.24
Basic Book Value per Share 10.50 9.55 9.95 10.26 9.36
As-reported Book Value per Share 10.50 9.55 9.95 10.26 9.36
Basic Tangible Book Value per Share NA NA NA NA NA
Reported: Tangible Book Value 10.48 9.53 9.97 10.24 9.38
EPS after Extra 0.49 0.36 36.11 0.40 90
EPS after Extra Growth(%) 36.10 33.30 278 bp 29 708 bp
Core EPS 0.49 0.36 36.11 0.40 90
Core EPS Growth(%) 36.10 33.30 278 bp 28 810 bp
Diluted EPS before Amortization NA NA NA NA NA
Pre-Provision Earnings per Share 0.55 0.41 34.15 0.44 100

   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.


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