Financial Highlights

Financial Highlights
2016 FQ4
12/31/2016
2015 FQ4
12/31/2015
Y-Y Ch (%)
2016 FQ3
9/30/2016
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 657,975 599,286 9.79 657,119 0.52
Total Net Loans 456,580 396,833 15.06 442,399 12.82
Total Deposits 582,353 527,276 10.45 581,421 0.64
Equity Attributable to Parent Company 47,994 42,496 12.94 48,306 (2.58)
Total Equity 47,994 42,496 12.94 48,306 (2.58)
Profitability (%)
Net Income($000) 2,107 1,648 27.85 1,957 30.66
Net Income Attributable to Parent($000) 2,107 1,648 27.85 1,957 30.66
ROAA 1.28 1.09 19 bp 1.24 4 bp
Core ROAA 1.28 1.09 19 bp 1.24 4 bp
ROAE 17.50 15.75 175 bp 16.40 110 bp
ROATCE NA 15.77 NA NA NA
Core ROAE 17.50 15.75 175 bp 16.40 110 bp
Net Interest Margin 4.18 4.03 15 bp 4.22 (4) bp
Reported: Net Interest Margin 4.18 4.03 15 bp 4.20 (2) bp
Efficiency Ratio 56.76 62.17 (541) bp 58.25 (149) bp
Noninterest Inc/ Operating Rev 23.41 24.39 (98) bp 24.55 (114) bp
Balance Sheet Ratios (%)
Loans/ Deposits 79.09 76.02 307 bp 76.96 213 bp
Securities/ Assets 15.81 16.53 (72) bp 15.68 13 bp
Total Equity/ Total Assets 7.29 7.09 20 bp 7.35 (6) bp
Tangible Equity/ Tangible Assets 7.28 7.08 20 bp NA NA
Tang Common Equity/ Tang Assets 7.28 7.08 20 bp NA NA
Asset Quality (%)
NPAs/ Assets 0.92 1.39 (47) bp 1.28 (36) bp
NPA Excl Restructured/ Assets 0.53 1.06 (53) bp 0.86 (33) bp
NPAs & 90+ PD/ Assets 0.92 1.39 (47) bp 1.28 (36) bp
NPAs/ Loans & REO 1.31 2.06 (75) bp 1.87 (56) bp
Nonaccrual & 90+ & OREO/ Assets 0.53 1.06 (53) bp 0.86 (33) bp
NPAs & 90+ PD/ Loans & REO 1.31 2.06 (75) bp 1.87 (56) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 11.15 17.19 (604) bp NA NA
NCOs/ Avg Loans 0.11 0.04 7 bp 0.14 (3) bp
Loan Loss Reserves/ Gross Loans 1.41 1.51 (10) bp 1.44 (3) bp
Loan Loss Provision/ NCO 156.25 512.82 (35,657) bp 130.72 2,553 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($000) NA NA NA NA NA
Tier 1 Common Capital (CET1) Ratio(%) NA NA NA NA NA
Tier 1 Ratio(%) NA NA NA NA NA
Total Capital Ratio(%) NA NA NA NA NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA NA NA NA NA
Supplementary Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 4,896,875 4,835,432 1.27 4,874,475 1.84
Avg Diluted Shares(actual) 5,115,000 5,055,000 1.19 5,035,000 6.36
Basic Book Value per Share 9.80 8.79 11.49 9.91 (4.44)
As-reported Book Value per Share 9.80 8.79 11.49 9.91 (4.44)
Basic Tangible Book Value per Share 9.78 8.77 11.52 NA NA
Reported: Tangible Book Value NA NA NA NA NA
EPS after Extra 0.41 0.33 24.24 0.39 20.51
EPS after Extra Growth(%) 24.20 22.20 202 bp 21.90 236 bp
Core EPS 0.41 0.33 24.24 0.39 20.51
Core EPS Growth(%) 24.20 31.60 (738) bp 21.40 282 bp
Diluted EPS before Amortization NA 0.33 NA NA NA
Pre-Provision Earnings per Share 0.46 0.38 21.05 0.44 18.18

   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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