Financial Highlights

Select Period:
 2017 FQ22016 FQ2 2017 FQ1 
Period Ended6/30/20176/30/2016Y-Y Ch (%)3/31/2017 Q-Q Ch (%)
Balance Sheet ($000)   
Total Assets912,583921,811 (1) 923,487 (4.72)
Total Net Loans788,247758,6203.91741,82025.03
Total Deposits687,799570,47820.57685,8381.14
Total Equity90,28384,4466.9188,8656.38
Profitability (%)   
Net Income ($000) 1,1921,336 (10.78) 1,477 (77.18)
ROAA0.550.60 (5)  bp 0.70 (15)  bp
Core ROAA0.430.56 (13)  bp 0.70 (27)  bp
ROAE5.286.36 (108)  bp 6.70 (142)  bp
ROATCE5.286.36 (108)  bp 6.70 (142)  bp
Core ROAE4.135.93 (180)  bp 6.70 (257)  bp
Reported: Net Interest Margin3.193.0613  bp 3.20 (1)  bp
Efficiency Ratio76.8372.32451  bp 72.43440  bp
Noninterest Inc / Operating Rev18.5927.36 (877)  bp 28.67 (1,008)  bp
Balance Sheet Ratios (%)   
Loans / Deposits114.85132.61 (1,776)  bp 109.06579  bp
Securities / Assets5.179.82 (465)  bp 11.70 (653)  bp
Total Equity / Total Assets9.899.1673  bp 9.6227  bp
Tangible Equity / Tangible Assets9.899.1673  bp 9.6227  bp
Tang Common Equity / Tang Assets9.899.1673  bp 9.6227  bp
Asset Quality (%)   
NPAs / Assets3.874.32 (45)  bp 4.05 (18)  bp
NPA Excl Restructured / Assets1.100.6743  bp 1.36 (26)  bp
NPAs & 90+ PD / Assets3.874.32 (45)  bp 4.05 (18)  bp
NPAs / Loans & REO4.435.18 (75)  bp 4.96 (53)  bp
Nonaccrual & 90+ & OREO / Assets1.100.6743  bp 1.36 (26)  bp
NPAs & 90+ PD / Loans & REO4.435.18 (75)  bp 4.96 (53)  bp
NPA & Loans 90+ / Tangible Common Equity + LLR35.8543.06 (721)  bp 38.48 (263)  bp
NCOs / Avg Loans0.13(0.03)16  bp (0.01)14  bp
Loan Loss Reserves / Gross Loans1.031.05 (2)  bp 1.10 (7)  bp
Reserves / NPAs23.2820.17311  bp 22.13115  bp
Loan Loss Provision / NCO78.60NMNMNMNM
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) 87,84480,7278.8286,4466.47
Tier 1 Capital ($000) 87,84480,7278.8286,4466.47
Tier 2 Capital ($000) 8,2208,0302.378,272 (2.51)
Total Capital ($000) 96,06488,7578.2394,7185.68
Total Risk-weighted Assets ($000) 742,495710,901742,495688,436742,495
Tier 1 Common Capital (CET1) Ratio (%) 11.8311.3647  bp 12.56 (73)  bp
Tier 1 Ratio (%) 11.8311.3647  bp 12.56 (73)  bp
Total Capital Ratio (%) 12.9412.4945  bp 13.76 (82)  bp
Leverage Ratio (%) 10.069.06100  bp 10.32 (26)  bp
Per Share Information ($)   
Common Shares Outstanding (actual) 15,553,70915,509,0610.2915,553,7090
Avg Diluted Shares (actual) 15,422,65615,417,8650.0315,419,3180.09
As-reported Book Value per Share5.805.446.625.744.18
Reported: Tangible Book Value5.805.446.625.744.18
EPS after Extra0.080.09 (11.11) 0.10 (80)
Core EPS0.060.08 (25) 0.10 (160)
Diluted EPS before Amortization0.080.09 (11.11) 0.10 (80)
Pre-Provision Earnings per Share0.070.10 (30) 0.10 (120)
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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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