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Financial Reports | Financial Highlights

Financial Reports 
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Financial Highlights 
Select Period:
 2017 FQ1 YTD2016 FY2015 FY2014 FY2013 FY
Period Ended3/31/201712/31/201612/31/201512/31/201412/31/2013
Balance Sheet ($000)   
Total Assets1,262,7211,249,8161,180,5571,155,7341,089,532
Total Net Loans892,251878,570799,737717,929658,620
Total Deposits1,052,6721,037,294945,519918,945892,341
Equity Attributable to Parent Company117,713114,536104,487107,650106,659
Total Equity117,713114,536104,487107,650106,659
Profitability (%)   
Net Income ($000) 2,4939,922(2,497)7,5165,906
Net Income Attributable to Parent ($000) 2,4939,922(2,497)7,5165,906
ROAA0.800.83(0.22)0.670.53
Core ROAA0.880.900.600.700.63
ROAE8.568.92(2.31)7.095.22
ROATCE9.6710.21(1.20)8.817.08
Core ROAE9.419.676.427.356.27
Net Interest Margin3.833.803.874.184.32
Reported: Net Interest Margin3.883.803.874.184.32
Efficiency Ratio64.9665.0074.2674.6173.45
Noninterest Inc / Operating Rev8.879.8810.328.288.80
Balance Sheet Ratios (%)   
Loans / Deposits85.6885.6385.4279.1675.02
Securities / Assets21.2821.7124.4427.6827.81
Total Equity / Total Assets9.329.168.859.319.79
Tangible Equity / Tangible Assets9.299.108.638.949.24
Tang Common Equity / Tang Assets9.299.108.638.948.25
Asset Quality (%)
Please see Company's earnings release and quarterly and/or annual filings with the Securities and Exchange commission for detailed Asset Quality information which details an analysis and explanation for both non-covered and FDIC covered assets. 
 
NPAs / Assets1.371.551.762.472.59
NPA Excl Restructured / Assets1.001.171.371.931.68
NPAs & 90+ PD / Assets1.381.551.762.472.59
NPAs / Loans & REO1.912.162.554.254.69
Nonaccrual & 90+ & OREO / Assets1.011.171.371.931.68
NPAs & 90+ PD / Loans & REO1.922.162.554.254.69
NPA & Loans 90+ / Tangible Common Equity + LLR13.6915.6718.5825.2828.19
NCOs / Avg Loans(0.01)0.06(0.04)0.190.42
Loan Loss Reserves / Gross Loans1.081.091.241.341.63
Reserves / NPAs56.2250.1648.3934.2338.65
Loan Loss Provision / NCONM32.17NM00
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) 118,215115,403104,333102,27389,831
Tier 1 Capital ($000) 122,339119,527108,457106,397105,672
Tier 2 Capital ($000) 9,3709,3509,700NANA
Total Capital ($000) 131,709128,877118,157115,805113,805
Total Risk-weighted Assets ($000) 994,395979,615897,891786,876675,819
Tier 1 Common Capital (CET1) Ratio (%) 11.8911.7811.6213.0013.28
Tier 1 Ratio (%) 12.3012.2012.0813.5215.62
Total Capital Ratio (%) 13.2513.1613.1614.7216.82
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) 9.829.609.389.369.52
Basel III Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 21,970,77321,959,64821,866,94421,791,52321,709,096
Avg Diluted Shares (actual) 22,433,00022,161,22121,826,84521,980,97921,922,132
Basic Book Value per Share5.365.224.784.944.42
As-reported Book Value per ShareNANANANANA
Basic Tangible Book Value per Share5.345.174.654.724.12
Reported: Tangible Book Value5.345.174.654.724.07
Common Dividends Declared per Share00000
EPS after Extra0.110.45(0.11)0.330.22
EPS after Extra Growth (%) 0NMNM50.004.80
Core EPS0.120.490.310.340.27
Core EPS Growth (%) 3.9059.40(10.6)24.6020.40
Diluted EPS before Amortization0.130.54(0.03)0.420.32
Pre-Provision Earnings per Share0.100.390.210.250.19
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