Financial Highlights

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Financial Highlights
2018 FQ3 YTD
9/30/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
Balance Sheet ($000)
Total Assets 1,175,437 1,053,224 909,305 736,807 604,756
Total Net Loans 969,728 880,952 761,649 617,320 504,373
Total Deposits 993,986 928,163 775,991 626,640 504,220
Equity Attributable to Parent Company 138,776 98,283 79,811 72,752 66,815
Total Equity 138,776 98,283 79,811 72,752 66,815
Profitability (%)
Net Income($000) 9,459 7,690 6,933 5,419 4,133
Net Income Attributable to Parent($000) 9,459 7,690 6,933 5,419 4,133
ROAA 1.15 0.80 0.88 0.85 0.76
Core ROAA 1.21 0.98 0.87 0.84 0.75
ROAE 12.09 8.64 8.91 7.70 6.45
ROATCE 12.11 8.66 8.94 7.73 6.49
Core ROAE 12.78 10.49 8.87 7.65 6.39
Net Interest Margin 3.48 3.43 3.51 3.67 3.65
Reported: Net Interest Margin 3.48 3.43 3.51 3.66 3.63
Efficiency Ratio 55.38 57.78 57.85 61.21 65.11
Noninterest Inc/ Operating Rev 5.07 3.87 4.05 4.56 6.05
Balance Sheet Ratios (%)
Loans/ Deposits 98.42 95.75 98.98 99.51 101.13
Securities/ Assets 9.95 11.50 13.02 9.75 11.01
Total Equity/ Total Assets 11.81 9.33 8.78 9.87 11.05
Tangible Equity/ Tangible Assets 11.80 9.32 8.77 9.86 11.02
Tang Common Equity/ Tang Assets 11.80 9.32 8.77 9.86 11.02
Asset Quality (%)
NPAs/ Assets 0.42 0.59 1.28 1.04 0.55
NPA Excl Restructured/ Assets 0.39 0.44 0.01 0.35 0.26
NPAs & 90+ PD/ Assets 0.52 0.60 1.29 1.04 0.56
NPAs/ Loans & REO 0.50 0.70 1.51 1.22 0.66
Nonaccrual & 90+ & OREO/ Assets 0.50 0.44 0.03 0.35 0.26
NPAs & 90+ PD/ Loans & REO 0.63 0.71 1.53 1.22 0.67
NPA & Loans 90+/ Tangible Common Equity + LLR 4.18 5.96 13.67 9.68 4.70
NCOs/ Avg Loans 0.02 (0.01) 0.19 0.07 0.03
Loan Loss Reserves/ Gross Loans 0.88 0.87 0.84 1 1.09
Reserves/ NPAs 174.91 123.32 55.54 81.74 165.82
Loan Loss Provision/ NCO NM NM 117.02 268.92 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 142,530 99,358 NA 73,246 64,057
Tier 1 Capital($000) 142,530 99,358 NA 73,246 64,057
Tier 2 Capital($000) 32,963 32,052 NA 6,239 NA
Total Capital($000) 175,493 131,410 NA 79,485 69,622
Total Risk-weighted Assets($000) 1,083,878 976,971 NA 651,270 511,050
Tier 1 Common Capital (CET1) Ratio(%) 13.15 10.17 NA 11.25 12.53
Tier 1 Ratio(%) 13.15 10.17 NA 11.25 12.53
Total Capital Ratio(%) 16.19 13.46 13.16 12.20 13.62
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 12.48 9.81 NA 10.82 10.96
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 12,831,040 10,868,984 10,178,909 10,141,281 10,137,691
Avg Diluted Shares(actual) 12,195,620 11,545,408 10,922,471 10,591,000 10,283,000
Basic Book Value per Share 10.82 9.04 7.84 7.17 6.59
Book Value per Share, As Reported 10.82 9.04 7.84 7.18 6.59
Basic Tangible Book Value per Share 10.81 9.03 7.83 7.16 6.57
Tangible Book Value per Share, As Reported 10.81 9.03 7.83 7.16 6.58
Common Dividends Declared per Share 0 0 0 0 0
EPS after Extra 0.78 0.67 0.63 0.51 0.41
EPS after Extra Growth(%) 30 6 23.40 24.90 64
Core EPS 0.82 0.81 0.63 0.51 0.41
Core EPS Growth(%) 45.40 29.40 23.60 25.30 71.80
Diluted EPS before Amortization 0.78 0.67 0.63 0.51 0.41
Pre-Provision Earnings per Share 0.86 0.86 0.71 0.57 0.46
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