Financial Highlights

Financial Highlights
2017 FQ1
3/31/2017
2016 FQ1
3/31/2016
Y-Y Ch (%)
2016 FQ4
12/31/2016
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 663,610 595,322 11.47 657,975 3.43
Total Net Loans 465,243 404,913 14.90 456,580 7.59
Total Deposits 589,293 525,206 12.20 582,353 4.77
Equity Attributable to Parent Company 50,536 44,981 12.35 47,994 21.19
Total Equity 50,536 44,981 12.35 47,994 21.19
Profitability (%)
Net Income($000) 2,064 1,573 31.21 2,107 (8.16)
Net Income Attributable to Parent($000) 2,064 1,573 31.21 2,107 (8.16)
ROAA 1.24 1.05 19 bp 1.28 (4) bp
Core ROAA NA 1.07 NA 1.28 NA
ROAE 16.65 14.24 241 bp 17.50 (85) bp
ROATCE NA NA NA NA NA
Core ROAE NA 14.43 NA 17.50 NA
Net Interest Margin 4.24 4.18 6 bp 4.18 6 bp
Reported: Net Interest Margin 4.30 4.20 10 bp 4.18 12 bp
Efficiency Ratio 59.42 62.02 (260) bp 56.76 266 bp
Noninterest Inc/ Operating Rev 23.93 22.70 123 bp 23.41 52 bp
Balance Sheet Ratios (%)
Loans/ Deposits NA 77.90 NA 79.09 NA
Securities/ Assets NA 17.14 NA 15.81 NA
Total Equity/ Total Assets 7.62 7.56 6 bp 7.29 33 bp
Tangible Equity/ Tangible Assets NA NA NA 7.28 NA
Tang Common Equity/ Tang Assets NA NA NA 7.28 NA
Asset Quality (%)
NPAs/ Assets NA 1.39 NA 0.92 NA
NPA Excl Restructured/ Assets NA 1.07 NA 0.53 NA
NPAs & 90+ PD/ Assets NA 1.39 NA 0.92 NA
NPAs/ Loans & REO NA 2 NA 1.31 NA
Nonaccrual & 90+ & OREO/ Assets NA 1.07 NA 0.53 NA
NPAs & 90+ PD/ Loans & REO NA 2 NA 1.31 NA
NPA & Loans 90+/ Tangible Common Equity + LLR NA NA NA 11.15 NA
NCOs/ Avg Loans 0.01 0.08 (7) bp 0.11 (10) bp
Loan Loss Reserves/ Gross Loans 1.43 1.51 (8) bp 1.41 2 bp
Loan Loss Provision/ NCO NM 250 NM 156.25 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($000) NA NA NA NA NA
Tier 1 Common Capital (CET1) Ratio(%) NA NA NA NA NA
Tier 1 Ratio(%) NA NA NA NA NA
Total Capital Ratio(%) NA NA NA NA NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA NA NA NA NA
Supplementary Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 4,926,860 4,852,875 1.52 4,896,875 2.45
Avg Diluted Shares(actual) 5,164,000 5,058,000 2.10 5,115,000 3.83
Basic Book Value per Share 10.26 9.27 10.68 9.80 18.78
As-reported Book Value per Share 10.26 9.27 10.68 9.80 18.78
Basic Tangible Book Value per Share NA NA NA 9.78 NA
Reported: Tangible Book Value NA NA NA NA NA
EPS after Extra 0.40 0.31 29.03 0.41 (9.76)
EPS after Extra Growth(%) 29 29.20 (14) bp 24.20 479 bp
Core EPS NA 0.31 NA 0.41 NA
Core EPS Growth(%) NA 33 NA 24.20 NA
Diluted EPS before Amortization NA NA NA NA NA
Pre-Provision Earnings per Share 0.44 0.36 22.22 0.46 (17.39)

   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.


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.