Financial Highlights

Financial Highlights
2017 FQ3
9/30/2017
2016 FQ3
9/30/2016
Y-Y Ch (%)
2017 FQ2
6/30/2017
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 731,048 657,119 11.25 689,888 23.86
Total Net Loans 474,717 442,399 7.31 471,418 2.80
Total Deposits 649,850 581,421 11.77 616,159 21.87
Equity Attributable to Parent Company 55,556 48,306 15.01 52,928 19.86
Total Equity 55,556 48,306 15.01 52,928 19.86
Profitability (%)
Net Income($000) 2,448 1,957 25.09 2,541 (14.64)
Net Income Attributable to Parent($000) 2,448 1,957 25.09 2,541 (14.64)
ROAA 1.38 1.24 14 bp 1.53 (15) bp
Core ROAA 1.38 1.24 14 bp 1.53 (15) bp
ROAE 17.83 16.40 143 bp 19.61 (178) bp
ROATCE NA NA NA NA NA
Core ROAE 17.83 16.40 143 bp 19.61 (178) bp
Net Interest Margin 4.34 4.22 12 bp 4.50 (16) bp
Reported: Net Interest Margin 4.31 4.20 11 bp 4.51 (20) bp
Efficiency Ratio 53.69 58.25 (456) bp 52.78 91 bp
Noninterest Inc/ Operating Rev 23.40 24.55 (115) bp 25.73 (233) bp
Balance Sheet Ratios (%)
Loans/ Deposits 73.82 76.96 (314) bp 77.18 (336) bp
Securities/ Assets 16.31 15.68 63 bp 16.67 (36) bp
Total Equity/ Total Assets 7.60 7.35 25 bp 7.67 (7) bp
Tangible Equity/ Tangible Assets NA NA NA NA NA
Tang Common Equity/ Tang Assets NA NA NA NA NA
Asset Quality (%)
NPAs/ Assets 0.90 1.28 (38) bp 0.89 1 bp
NPA Excl Restructured/ Assets 0.64 0.86 (22) bp 0.54 10 bp
NPAs & 90+ PD/ Assets 0.90 1.28 (38) bp 0.89 1 bp
NPAs/ Loans & REO 1.36 1.87 (51) bp 1.28 8 bp
Nonaccrual & 90+ & OREO/ Assets 0.64 0.86 (22) bp 0.54 10 bp
NPAs & 90+ PD/ Loans & REO 1.36 1.87 (51) bp 1.28 8 bp
NPA & Loans 90+/ Tangible Common Equity + LLR NA NA NA NA NA
NCOs/ Avg Loans 0.20 0.14 6 bp 0.07 13 bp
Loan Loss Reserves/ Gross Loans 1.42 1.44 (2) bp 1.43 (1) bp
Loan Loss Provision/ NCO 85.84 130.72 (4,488) bp 227.27 (14,143) bp
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) 5,053,172 4,874,475 3.67 5,042,971 0.81
Avg Diluted Shares(actual) 5,192,000 5,035,000 3.12 5,180,000 0.93
Basic Book Value per Share 10.99 9.91 10.90 10.50 18.67
As-reported Book Value per Share 10.99 9.91 10.90 10.50 18.67
Basic Tangible Book Value per Share NA NA NA NA NA
Reported: Tangible Book Value 10.98 9.89 11.02 10.48 19.08
EPS after Extra 0.47 0.39 20.51 0.49 (16.33)
EPS after Extra Growth(%) 20.50 21.90 (137) bp 36.10 (1,560) bp
Core EPS 0.47 0.39 20.51 0.49 (16.33)
Core EPS Growth(%) 20.50 21.40 (91) bp 36.10 (1,560) bp
Diluted EPS before Amortization NA NA NA NA NA
Pre-Provision Earnings per Share 0.52 0.44 18.18 0.55 (21.82)

   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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