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Financial Reports | Financial Highlights

Financial Reports 
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Financial Highlights 
Select Period:
 2016 FY2015 FY2014 FY2013 FY2012 FY
Period Ended12/31/201612/31/201512/31/201412/31/201312/31/2012
Balance Sheet ($000)   
Total Assets1,249,8161,180,5571,155,7341,089,5321,153,288
Total Net Loans878,570799,737717,929658,620647,981
Total Deposits1,037,294945,519918,945892,341974,318
Equity Attributable to Parent Company114,536104,487107,650106,659115,317
Total Equity114,536104,487107,650106,659115,317
Profitability (%)   
Net Income ($000) 9,922(2,497)7,5165,9065,582
Net Income Attributable to Parent ($000) 9,922(2,497)7,5165,9065,582
ROAA0.83(0.22)0.670.530.50
Core ROAA0.900.600.700.630.54
ROAE8.92(2.31)7.095.224.85
ROATCE10.21(1.20)8.817.086.98
Core ROAE9.676.427.356.275.19
Net Interest Margin3.803.874.184.324.53
Reported: Net Interest Margin3.803.874.184.324.53
Efficiency Ratio65.0074.2674.6173.4574.96
Noninterest Inc / Operating Rev9.8810.328.288.809.67
Balance Sheet Ratios (%)   
Loans / Deposits85.6385.4279.1675.0267.75
Securities / Assets21.7124.4427.6827.8131.14
Total Equity / Total Assets9.168.859.319.7910.00
Tangible Equity / Tangible Assets9.108.638.949.249.19
Tang Common Equity / Tang Assets9.108.638.948.257.66
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 / Assets1.551.762.472.593.63
NPA Excl Restructured / Assets1.171.371.931.682.76
NPAs & 90+ PD / Assets1.551.762.472.593.67
NPAs / Loans & REO2.162.554.254.697.12
Nonaccrual & 90+ & OREO / Assets1.171.371.931.682.81
NPAs & 90+ PD / Loans & REO2.162.554.254.697.21
NPA & Loans 90+ / Tangible Common Equity + LLR15.6718.5825.2828.1941.93
NCOs / Avg Loans0.06(0.04)0.190.420.61
Loan Loss Reserves / Gross Loans1.091.241.341.632.03
Reserves / NPAs50.1648.3934.2338.6532.04
Loan Loss Provision / NCO32.17NM0035.66
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) 115,403104,333102,27389,83182,951
Tier 1 Capital ($000) 119,527108,457106,397105,672104,521
Tier 2 Capital ($000) 9,3509,700NANANA
Total Capital ($000) 128,877118,157115,805113,805112,463
Total Risk-weighted Assets ($000) 979,615897,891786,876675,819662,117
Tier 1 Common Capital (CET1) Ratio (%) 11.7811.6213.0013.2812.53
Tier 1 Ratio (%) 12.2012.0813.5215.6215.79
Total Capital Ratio (%) 13.1613.1614.7216.8216.99
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) 9.609.389.369.529.41
Supplementary Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 21,959,64821,866,94421,791,52321,709,09621,670,212
Avg Diluted Shares (actual) 22,161,22121,826,84521,980,97921,922,13221,717,499
Basic Book Value per Share5.224.784.944.424.52
As-reported Book Value per ShareNANANANANA
Basic Tangible Book Value per Share5.174.654.724.124.04
Reported: Tangible Book Value5.174.654.724.073.92
Common Dividends Declared per Share00000
EPS after Extra0.45(0.11)0.330.220.21
EPS after Extra Growth (%) NMNM50.004.80950.00
Core EPS0.490.310.340.270.23
Core EPS Growth (%) 59.40(10.6)24.6020.40378.80
Diluted EPS before Amortization0.54(0.03)0.420.320.32
Pre-Provision Earnings per Share0.390.210.250.190.17
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