Financial Highlights

 2014 FY2015 FY2016 FY2017 FY2018 FQ1 YTD
Period Ended6/30/20146/30/20156/30/20166/30/20179/30/2017
Balance Sheet ($000)   
Total Assets 389,128379,230431,504462,525460,387
Total Net Loans 281,526283,949349,215379,459383,221
Total Deposits 311,034299,812300,894345,187348,376
Equity Attributable to Parent Company 53,67563,72363,19665,85166,776
Total Equity 53,67563,72363,19665,85166,776
Profitability (%)   
Net Income ($000)  4239,8274952,3501,044
Net Income Attributable to Parent ($000)  4239,8274952,3501,044
ROAA 0.102.600.130.540.90
Core ROAA 0.102.660.120.600.92
ROAE 0.8318.780.864.006.30
ROATCE 0.8318.780.864.006.30
Core ROAE 0.8219.150.834.456.43
Net Interest Margin 3.824.004.084.154.10
Reported: Net Interest Margin 3.874.054.124.194.14
Efficiency Ratio 93.9691.2995.3780.9370.57
Noninterest Inc / Operating Rev 22.4122.3622.1420.0921.24
Balance Sheet Ratios (%)   
Loans / Deposits 92.0095.78116.70110.67111.16
Securities / Assets 13.8110.037.636.155.83
Total Equity / Total Assets 13.7916.8014.6514.2414.50
Tangible Equity / Tangible Assets 13.7916.8014.6514.2414.50
Tang Common Equity / Tang Assets 13.7916.8014.6514.2414.50
Asset Quality (%)   
NPAs / Assets 5.073.152.491.89NA
NPA Excl Restructured / Assets 2.530.740.550.99NA
NPAs & 90+ PD / Assets 5.073.152.491.89NA
NPAs / Loans & REO 6.784.143.042.28NA
Nonaccrual & 90+ & OREO / Assets 2.530.740.550.99NA
NPAs & 90+ PD / Loans & REO 6.784.143.042.28NA
NPA & Loans 90+ / Tangible Common Equity + LLR 33.8717.7216.0312.52NA
NCOs / Avg Loans 0.180.310.0900.17
Loan Loss Reserves / Gross Loans 1.621.291.071.071.04
Reserves / NPAs 23.4231.1435.2046.87NA
Loan Loss Provision / NCO 00120.57NM45.73
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000)  54,39962,75160,130NA65,265
Tier 1 Capital ($000)  54,39962,75160,130NA65,265
Tier 2 Capital ($000)  NANANANA4,017
Total Capital ($000)  58,38566,38463,577NA69,282
Total Risk-weighted Assets ($000)  318,294330,271382,994NA435,100
Tier 1 Common Capital (CET1) Ratio (%)  17.0919.0015.7015.2015.00
Tier 1 Ratio (%)  17.0919.0015.7015.2015.00
Total Capital Ratio (%)  18.3420.1016.6016.2016.00
Liquidity Coverage Ratio (%)  NANANANANA
Leverage Ratio (%)  13.8716.6014.4014.0014.40
Basel III Leverage Ratio (%)  NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual)  2,550,0002,550,0002,515,8032,504,7402,494,940
Avg Diluted Shares (actual)  2,466,9832,477,4232,459,5262,425,5122,432,960
Basic Book Value per Share 21.0524.9925.1226.2926.76
As-reported Book Value per Share 21.7025.6925.1226.2926.76
Basic Tangible Book Value per Share 21.0524.9925.1226.2926.76
Reported: Tangible Book Value 21.5525.5925.0426.2026.67
Common Dividends Declared per Share 00000
EPS after Extra 0.173.970.200.970.43
EPS after Extra Growth (%)  NMNM(95.0)385.0079.20
Core EPS 0.174.050.191.080.44
Core EPS Growth (%)  NMNM(95.2)458.7082.90
Diluted EPS before Amortization 0.173.970.200.970.43
Pre-Provision Earnings per Share 0.110.470.221.100.43
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