Financial Highlights

 2013 FY2014 FY2015 FY2016 FY2017 FQ2 YTD
Period Ended6/30/20136/30/20146/30/20156/30/201612/31/2016
Balance Sheet ($000)   
Total Assets 452,179389,128379,230431,504440,911
Total Net Loans 277,676281,526283,949349,215356,118
Total Deposits 328,584311,034299,812300,894327,596
Equity Attributable to Parent Company 52,36853,67563,72363,19664,082
Total Equity 52,36853,67563,72363,19664,082
Profitability (%)   
Net Income ($000)  (255)4239,827495993
Net Income Attributable to Parent ($000)  (255)4239,827495993
ROAA (0.05)0.102.600.130.46
Core ROAA (0.05)0.102.660.120.46
ROAE (0.49)0.8318.780.863.12
ROATCE (0.49)0.8318.780.863.12
Core ROAE (0.42)0.8219.150.833.12
Net Interest Margin 3.483.824.004.084.12
Reported: Net Interest Margin 3.533.874.054.124.16
Efficiency Ratio 90.1993.9691.2995.3785.01
Noninterest Inc / Operating Rev 24.4922.4122.3622.1420.74
Balance Sheet Ratios (%)   
Loans / Deposits 86.0192.0095.78116.70109.28
Securities / Assets 14.3513.8110.037.636.72
Total Equity / Total Assets 11.5813.7916.8014.6514.53
Tangible Equity / Tangible Assets 11.5813.7916.8014.6514.53
Tang Common Equity / Tang Assets 11.5813.7916.8014.6514.53
Asset Quality (%)   
NPAs / Assets 5.805.073.152.49NA
NPA Excl Restructured / Assets 2.742.530.740.55NA
NPAs & 90+ PD / Assets 5.805.073.152.49NA
NPAs / Loans & REO 9.076.784.143.04NA
Nonaccrual & 90+ & OREO / Assets 2.742.530.740.55NA
NPAs & 90+ PD / Loans & REO 9.076.784.143.04NA
NPA & Loans 90+ / Tangible Common Equity + LLR 45.6033.8717.7216.03NA
NCOs / Avg Loans 0.890.180.310.090.04
Loan Loss Reserves / Gross Loans 1.821.621.291.071.07
Reserves / NPAs 19.6423.4231.1435.20NA
Loan Loss Provision / NCO 28.2000120.57220.59
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000)  53,83854,39962,75160,13061,427
Tier 1 Capital ($000)  53,83854,39962,75160,13061,427
Tier 2 Capital ($000)  NANANANA3,861
Total Capital ($000)  57,67758,38566,38463,57765,288
Total Risk-weighted Assets ($000)  313,269318,294330,271382,994404,125
Tier 1 Common Capital (CET1) Ratio (%)  17.1917.0919.0015.7015.20
Tier 1 Ratio (%)  17.1917.0919.0015.7015.20
Total Capital Ratio (%)  18.4118.3420.1016.6016.20
Liquidity Coverage Ratio (%)  NANANANANA
Leverage Ratio (%)  11.7313.8716.6014.4014.30
Supplementary Leverage Ratio (%)  NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual)  2,550,0002,550,0002,550,0002,515,8032,504,740
Avg Diluted Shares (actual)  2,461,0332,466,9832,477,4232,459,5262,417,617
Basic Book Value per Share 20.5421.0524.9925.1225.58
As-reported Book Value per Share 21.2521.7025.6925.1225.58
Basic Tangible Book Value per Share 20.5421.0524.9925.1225.58
Reported: Tangible Book Value 21.0421.5525.5925.0425.50
Common Dividends Declared per Share 00000
EPS after Extra (0.10)0.173.970.200.41
EPS after Extra Growth (%)  NMNMNM(95.0)NM
Core EPS (0.09)0.174.050.190.41
Core EPS Growth (%)  NMNMNM(95.2)NM
Diluted EPS before Amortization (0.10)0.173.970.200.41
Pre-Provision Earnings per Share 0.140.110.470.220.43
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