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 1,035,028 900,999 761,250 617,350 528,192
Total Net Loans 843,721 754,624 667,963 506,475 413,483
Total Deposits 896,891 773,306 661,784 519,721 428,519
Equity Attributable to Parent Company 124,975 91,480 81,284 72,479 65,442
Total Equity 124,975 91,480 81,284 72,479 65,442
Profitability (%)
Net Income($000) 10,489 9,236 7,425 5,963 4,484
Net Income Attributable to Parent($000) 10,489 9,236 7,425 5,963 4,484
ROAA 1.48 1.13 1.08 1.05 1.09
Core ROAA 1.48 1.29 1.08 1.05 1.09
ROAE 12.43 10.63 9.69 8.63 9.09
ROATCE 12.43 10.21 9.16 8.04 9.09
Core ROAE 12.43 12.16 9.69 8.63 9.09
Net Interest Margin 4.48 4.61 4.34 4.20 4.32
Reported: Net Interest Margin 4.49 4.61 4.34 4.20 4.32
Efficiency Ratio 58.95 58.75 62.50 64.94 65.82
Noninterest Inc/ Operating Rev 19.51 20.10 24.12 26.17 33.68
Balance Sheet Ratios (%)
Loans/ Deposits 94.77 96.73 101.88 97.61 96.50
Securities/ Assets 5.17 5.08 5.11 7.54 4.69
Total Equity/ Total Assets 12.07 10.15 10.68 11.74 12.39
Tangible Equity/ Tangible Assets 12.07 10.15 10.68 11.74 12.39
Tang Common Equity/ Tang Assets 12.07 10.15 10.68 11.74 12.39
Asset Quality (%)
NPAs/ Assets 0.12 0.12 0.08 0.17 0.26
NPA Excl Restructured/ Assets 0.09 0.08 0.03 0.11 0.18
NPAs & 90+ PD/ Assets 0.12 0.12 0.08 0.17 0.26
NPAs/ Loans & REO 0.14 0.14 0.09 0.20 0.32
Nonaccrual & 90+ & OREO/ Assets 0.09 0.08 0.03 0.11 0.18
NPAs & 90+ PD/ Loans & REO 0.14 0.14 0.09 0.20 0.32
NPA & Loans 90+/ Tangible Common Equity + LLR 0.92 1.03 0.65 1.32 1.89
NCOs/ Avg Loans 0.10 0.01 0.03 (0.02) 0.14
Loan Loss Reserves/ Gross Loans 1.12 1.20 1.17 1.25 1.37
Reserves/ NPAs 774.61 881.29 NM 615.01 426.61
Loan Loss Provision/ NCO 164.62 NM NM NM 211.42
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 91,510 81,304 72,602 NA
Tier 1 Capital($000) NA 91,510 81,304 72,602 NA
Tier 2 Capital($000) NA 9,203 7,982 6,358 NA
Total Capital($000) NA 100,713 89,286 78,960 70,345
Total Risk-weighted Assets($000) NA 746,411 668,069 508,417 419,469
Tier 1 Common Capital (CET1) Ratio(%) 15.01 12.26 12.17 14.28 15.52
Tier 1 Ratio(%) 15.01 12.26 12.17 14.28 15.52
Total Capital Ratio(%) 16.16 13.49 13.37 15.53 16.77
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 12.77 10.46 10.89 11.70 14.04
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 15,770,576 13,190,527 12,896,548 12,682,510 12,411,089
Avg Diluted Shares(actual) 15,376,982 13,485,791 13,158,155 12,944,867 10,719,324
Basic Book Value per Share 7.92 6.94 6.30 5.71 5.27
Book Value per Share, As Reported 7.92 6.94 6.30 5.71 5.27
Basic Tangible Book Value per Share 7.92 6.94 6.30 5.71 5.27
Tangible Book Value per Share, As Reported 7.92 6.94 6.30 5.71 5.27
Common Dividends Declared per Share 0 0 0 0 0
EPS after Extra 0.66 0.66 0.53 0.43 0.42
EPS after Extra Growth(%) 26.90 24.50 23.30 2.40 (35.40)
Core EPS 0.66 0.76 0.53 0.43 0.42
Core EPS Growth(%) 26.90 43.30 23.30 2.40 (35.40)
Diluted EPS before Amortization 0.66 0.66 0.53 0.43 0.42
Pre-Provision Earnings per Share 0.76 0.86 0.66 0.51 0.52
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