Financial Highlights

Select Period:
 2018 FQ12017 FQ1 2017 FQ4 
Period Ended3/31/20183/31/2017Y-Y Ch (%)12/31/2017 Q-Q Ch (%)
Balance Sheet ($000)   
Total Assets928,139923,4870.50983,256 (22.42)
Total Net Loans792,494741,8206.83842,816 (23.88)
Total Deposits640,695685,838 (6.58) 675,803 (20.78)
Total Equity91,78588,8653.2990,6604.96
Profitability (%)   
Net Income ($000) 1,4161,477 (4.13) (616)NM
ROAA0.610.70 (9)  bp (0.27)88  bp
Core ROAA0.690.70 (1)  bp 0.5712  bp
ROAE6.176.70 (53)  bp (2.66)883  bp
ROATCE6.176.70 (53)  bp (2.66)883  bp
Core ROAE6.976.7027  bp 5.68129  bp
Reported: Net Interest Margin3.223.202  bp 3.24 (2)  bp
Efficiency Ratio73.7172.43128  bp 69.96375  bp
Noninterest Inc / Operating Rev14.7828.67 (1,389)  bp 14.96 (18)  bp
Balance Sheet Ratios (%)   
Loans / Deposits124.09109.061,503  bp 125.45 (136)  bp
Securities / Assets4.8711.70 (683)  bp 4.843  bp
Total Equity / Total Assets9.899.6227  bp 9.2267  bp
Tangible Equity / Tangible Assets9.899.6227  bp 9.2267  bp
Tang Common Equity / Tang Assets9.899.6227  bp 9.2267  bp
Asset Quality (%)   
NPAs / Assets3.734.05 (32)  bp 3.4726  bp
NPA Excl Restructured / Assets1.071.36 (29)  bp 0.9710  bp
NPAs & 90+ PD / Assets3.734.05 (32)  bp 3.4726  bp
NPAs / Loans & REO4.314.96 (65)  bp 4.0031  bp
Nonaccrual & 90+ & OREO / Assets1.071.36 (29)  bp 0.9710  bp
NPAs & 90+ PD / Loans & REO4.314.96 (65)  bp 4.0031  bp
NPA & Loans 90+ / Tangible Common Equity + LLR34.5038.48 (398)  bp 34.428  bp
NCOs / Avg Loans0.08(0.01)9  bp 0.026  bp
Loan Loss Reserves / Gross Loans1.071.10 (3)  bp 1.016  bp
Reserves / NPAs24.8322.13270  bp 25.17 (34)  bp
Loan Loss Provision / NCO100.00NMNM587.50 (48,750)  bp
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) 91,42086,4465.7589,7467.46
Tier 1 Capital ($000) 91,42086,4465.7589,7467.46
Tier 2 Capital ($000) 8,6008,2723.978,6000
Total Capital ($000) 100,02094,7185.6098,3466.81
Total Risk-weighted Assets ($000) 738,502688,4367.27785,096 (23.74)
Tier 1 Common Capital (CET1) Ratio (%) 12.3812.56 (18)  bp 11.4395  bp
Tier 1 Ratio (%) 12.3812.56 (18)  bp 11.4395  bp
Total Capital Ratio (%) 13.5413.76 (22)  bp 12.53101  bp
Leverage Ratio (%) 9.9110.32 (41)  bp 9.6724  bp
Per Share Information ($)   
Common Shares Outstanding (actual) 15,552,83315,553,709 (0.01) 15,553,709 (0.02)
Avg Diluted Shares (actual) 15,449,35515,419,3180.1915,429,0000.53
As-reported Book Value per Share5.905.713.335.834.80
Reported: Tangible Book Value5.905.713.335.834.80
EPS after Extra0.090.10 (10) (0.04)NM
Core EPS0.100.1000.0944.44
Diluted EPS before Amortization0.090.10 (10) (0.04)NM
Pre-Provision Earnings per Share0.110.10100.110
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   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.



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