Financial Highlights

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Financial Highlights
2017 FQ3 YTD
9/30/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
2013 FY
12/31/2013
Balance Sheet ($000)
Total Assets 876,425 761,250 617,350 528,192 342,278
Total Net Loans 740,042 667,963 506,475 413,483 292,704
Total Deposits 754,533 661,784 519,721 428,519 309,303
Equity Attributable to Parent Company 89,478 81,284 72,479 65,442 31,190
Total Equity 89,478 81,284 72,479 65,442 31,190
Profitability (%)
Net Income($000) 7,337 7,425 5,963 4,484 4,954
Net Income Attributable to Parent($000) 7,337 7,425 5,963 4,484 4,954
ROAA 1.22 1.08 1.05 1.09 1.99
Core ROAA 1.22 1.08 1.05 1.09 1.99
ROAE 11.45 9.69 8.63 9.09 18.39
ROATCE 11.45 9.16 8.04 9.09 18.39
Core ROAE 11.45 9.69 8.63 9.09 18.38
Net Interest Margin 4.57 4.34 4.24 4.32 4.35
Reported: Net Interest Margin 4.58 4.51 4.69 4.32 4.35
Efficiency Ratio 60.17 62.50 64.94 65.82 72.15
Noninterest Inc/ Operating Rev 20.50 24.12 26.17 33.68 39.64
Balance Sheet Ratios (%)
Loans/ Deposits 97.55 101.88 97.61 96.50 90.93
Securities/ Assets 5.46 5.11 7.54 4.69 3.96
Total Equity/ Total Assets 10.21 10.68 11.74 12.39 9.11
Tangible Equity/ Tangible Assets 10.21 10.68 11.74 12.39 9.11
Tang Common Equity/ Tang Assets 10.21 10.68 11.74 12.39 9.11
Asset Quality (%)
NPAs/ Assets 0.08 0.08 0.17 0.26 0.46
NPA Excl Restructured/ Assets 0.04 0.03 0.11 0.18 0.31
NPAs & 90+ PD/ Assets 0.08 0.08 0.17 0.26 0.46
NPAs/ Loans & REO 0.10 0.09 0.20 0.32 0.53
Nonaccrual & 90+ & OREO/ Assets 0.04 0.03 0.11 0.18 0.31
NPAs & 90+ PD/ Loans & REO 0.10 0.09 0.20 0.32 0.53
NPA & Loans 90+/ Tangible Common Equity + LLR 0.75 0.65 1.32 1.89 4.30
NCOs/ Avg Loans 0 0.03 (0.02) 0.14 0.27
Loan Loss Reserves/ Gross Loans 1.19 1.17 1.25 1.37 1.75
Reserves/ NPAs NM NM 615.01 426.61 333.84
Loan Loss Provision/ NCO NM NM NM 211.42 248.38
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 89,262 81,304 72,602 65,063 28,473
Tier 1 Capital($000) 89,262 81,304 72,602 65,063 28,473
Tier 2 Capital($000) 8,981 7,982 6,358 NA NA
Total Capital($000) 98,243 89,286 78,960 70,345 32,107
Total Risk-weighted Assets($000) 734,874 668,069 508,417 422,022 289,115
Tier 1 Common Capital (CET1) Ratio(%) 12.02 12.17 14.28 15.42 9.85
Tier 1 Ratio(%) 12.02 12.17 14.28 15.42 9.85
Total Capital Ratio(%) 13.23 13.37 15.53 16.77 11.11
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.77 10.89 11.70 14.04 9.43
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 13,162,732 12,896,548 12,682,510 12,411,089 7,233,484
Avg Diluted Shares(actual) 13,432,746 13,158,155 12,944,867 10,693,083 7,600,361
Basic Book Value per Share 6.80 6.30 5.71 5.27 4.31
As-reported Book Value per Share 6.80 6.30 5.71 5.27 4.31
Basic Tangible Book Value per Share 6.80 6.30 5.71 5.27 4.31
Reported: Tangible Book Value 6.80 6.30 5.71 5.27 4.31
Common Dividends Declared per Share 0 0 0 0 0
EPS after Extra 0.52 0.53 0.43 0.42 0.65
EPS after Extra Growth(%) 40.50 23.30 2.40 (35.40) 14
Core EPS 0.52 0.53 0.43 0.42 0.65
Core EPS Growth(%) 40.50 23.30 2.40 (35.40) 14.20
Diluted EPS before Amortization 0.52 0.53 0.43 0.42 0.65
Pre-Provision Earnings per Share 0.60 0.66 0.51 0.52 0.41
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