Financial Highlights

Select Period:
 2017 FQ42016 FQ4 2017 FQ3 
Period Ended12/31/201712/31/2016Y-Y Ch (%)9/30/2017 Q-Q Ch (%)
Balance Sheet ($000)   
Total Assets983,256907,4598.35921,93526.61
Total Net Loans842,816726,96915.94790,54726.45
Total Deposits675,803628,4137.54676,416 (0.36)
Total Equity90,66087,0184.1991,394 (3.21)
Profitability (%)   
Net Income ($000) (616)2,002NM1,115NM
ROAA(0.27)0.89 (116)  bp 0.50 (77)  bp
Core ROAA(0.14)0.89 (103)  bp 0.50 (64)  bp
ROAE(2.66)9.19 (1,185)  bp 4.89 (755)  bp
ROATCE(2.66)9.19 (1,185)  bp 4.89 (755)  bp
Core ROAE(1.42)9.19 (1,061)  bp 4.86 (628)  bp
Reported: Net Interest Margin3.243.30 (6)  bp 3.186  bp
Efficiency Ratio69.9665.09487  bp 77.09 (713)  bp
Noninterest Inc / Operating Rev14.9621.42 (646)  bp 15.37 (41)  bp
Balance Sheet Ratios (%)   
Loans / Deposits125.45115.84961  bp 117.37808  bp
Securities / Assets4.848.16 (332)  bp 5.03 (19)  bp
Total Equity / Total Assets9.229.59 (37)  bp 9.91 (69)  bp
Tangible Equity / Tangible Assets9.229.59 (37)  bp 9.91 (69)  bp
Tang Common Equity / Tang Assets9.229.59 (37)  bp 9.91 (69)  bp
Asset Quality (%)   
NPAs / Assets3.474.36 (89)  bp 3.81 (34)  bp
NPA Excl Restructured / Assets0.971.44 (47)  bp 1.05 (8)  bp
NPAs & 90+ PD / Assets3.474.36 (89)  bp 3.81 (34)  bp
NPAs / Loans & REO4.005.36 (136)  bp 4.40 (40)  bp
Nonaccrual & 90+ & OREO / Assets0.971.44 (47)  bp 1.05 (8)  bp
NPAs & 90+ PD / Loans & REO4.005.36 (136)  bp 4.40 (40)  bp
NPA & Loans 90+ / Tangible Common Equity + LLR34.4241.58 (716)  bp 35.19 (77)  bp
NCOs / Avg Loans0.020.020  bp (0.01)3  bp
Loan Loss Reserves / Gross Loans1.011.11 (10)  bp 1.05 (4)  bp
Reserves / NPAs25.1720.62455  bp 23.93124  bp
Loan Loss Provision / NCO587.50131.5845,592  bp NMNM
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) 89,74684,9845.6089,0033.34
Tier 1 Capital ($000) 89,74684,9845.6089,0033.34
Tier 2 Capital ($000) 8,6007,8389.728,4059.28
Total Capital ($000) 98,34692,8225.9597,4083.85
Total Risk-weighted Assets ($000) 785,096625,79925.45750,03718.70
Tier 1 Common Capital (CET1) Ratio (%) 11.4313.58 (215)  bp 11.87 (44)  bp
Tier 1 Ratio (%) 11.4313.58 (215)  bp 11.87 (44)  bp
Total Capital Ratio (%) 12.5314.83 (230)  bp 12.99 (46)  bp
Leverage Ratio (%) 9.679.4423  bp 10.03 (36)  bp
Per Share Information ($)   
Common Shares Outstanding (actual) 15,553,70915,509,0610.2915,553,7090
Avg Diluted Shares (actual) 15,429,00015,417,0000.0815,429,609 (0.02)
As-reported Book Value per Share5.835.613.925.88 (3.40)
Reported: Tangible Book Value5.835.613.925.88 (3.40)
EPS after Extra(0.04)0.13NM0.07NM
Core EPS(0.02)0.13NM0.07NM
Diluted EPS before Amortization(0.04)0.13NM0.07NM
Pre-Provision Earnings per Share0.110.13 (15.38) 0.07228.57
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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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