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Financial Reports | Financial Highlights

Financial Reports 
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Financial Highlights 
Select Period:
 2017 FY2016 FY2015 FY2014 FY2013 FY
Period Ended12/31/201712/31/201612/31/201512/31/201412/31/2013
Balance Sheet ($000)   
Total Assets1,336,1901,249,8161,180,5571,155,7341,089,532
Total Net Loans977,182878,570799,737717,929658,620
Total Deposits1,095,7641,037,294945,519918,945892,341
Equity Attributable to Parent Company124,003114,536104,487107,650106,659
Total Equity124,003114,536104,487107,650106,659
Profitability (%)   
Net Income ($000) 7,2039,922(2,497)7,5165,906
Net Income Attributable to Parent ($000) 7,2039,922(2,497)7,5165,906
ROAA0.560.83(0.22)0.670.53
Core ROAA0.600.900.600.700.63
ROAE5.918.92(2.31)7.095.22
ROATCE6.4010.21(1.20)8.817.08
Core ROAE6.289.676.427.356.27
Net Interest Margin3.783.803.874.184.32
Reported: Net Interest Margin3.783.803.874.184.32
Efficiency Ratio66.4165.0074.2674.6173.45
Noninterest Inc / Operating Rev9.239.8810.328.288.80
Balance Sheet Ratios (%)   
Loans / Deposits90.0185.6385.4279.1675.02
Securities / Assets19.4821.7124.4427.6827.81
Total Equity / Total Assets9.289.168.859.319.79
Tangible Equity / Tangible Assets9.289.108.638.949.24
Tang Common Equity / Tang Assets9.289.108.638.948.25
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 / AssetsNA1.551.762.472.59
NPA Excl Restructured / Assets0.881.171.371.931.68
NPAs & 90+ PD / AssetsNA1.551.762.472.59
NPAs / Loans & REONA2.162.554.254.69
Nonaccrual & 90+ & OREO / Assets0.881.171.371.931.68
NPAs & 90+ PD / Loans & REONA2.162.554.254.69
NPA & Loans 90+ / Tangible Common Equity + LLRNA15.6718.5825.2828.19
NCOs / Avg Loans0.120.06(0.04)0.190.42
Loan Loss Reserves / Gross Loans0.931.091.241.341.63
Reserves / NPAsNA50.1648.3934.2338.65
Loan Loss Provision / NCO51.2132.17NM00
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) NA115,403104,333102,27389,831
Tier 1 Capital ($000) NA119,527108,457106,397105,672
Tier 2 Capital ($000) NA9,3509,700NANA
Total Capital ($000) NA128,877118,157115,805113,805
Total Risk-weighted Assets ($000) NA979,615897,891786,876675,819
Tier 1 Common Capital (CET1) Ratio (%) 11.5011.7811.6213.0013.28
Tier 1 Ratio (%) 11.9012.2012.0813.5215.62
Total Capital Ratio (%) 12.7013.1613.1614.7216.82
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) 9.709.609.389.369.52
Basel III Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 22,072,52321,959,64821,866,94421,791,52321,709,096
Avg Diluted Shares (actual) 22,301,60622,161,22121,826,84521,980,97921,922,132
Basic Book Value per Share5.625.224.784.944.42
As-reported Book Value per Share5.62NANANANA
Basic Tangible Book Value per Share5.625.174.654.724.12
Reported: Tangible Book Value5.625.174.654.724.07
Common Dividends Declared per Share00000
EPS after Extra0.320.45(0.11)0.330.22
EPS after Extra Growth (%) (28.9)NMNM50.004.80
Core EPS0.340.490.310.340.27
Core EPS Growth (%) (30.3)59.40(10.6)24.6020.40
Diluted EPS before Amortization0.360.54(0.03)0.420.32
Pre-Provision Earnings per Share0.420.390.210.250.19
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