Balance Sheet

Financial Highlights
9/30/2015
9/30/2016
3/31/2017
9/30/2017
Assets ($000)
Cash and Due from Banks 14,014 16,686 17,060 17,447
Fed Funds Sold 0 0 0 0
Deposits at Financial Institutions 126,886 145,255 183,914 173,775
Securities Purchased, to Resell 0 0 0 0
Other Cash & Cash Equivalents 0 0 0 0
Cash and Cash Equivalents 140,900 161,941 200,974 191,222
Trading Account Securities 0 0 0 0
Available for Sale Securities 1,392 1,342 1,272 1,241
Held to Maturity Securities 7,913 7,511 7,326 7,139
Other Securities 2,699 2,204 2,307 4,107
Total Cash & Securities 152,904 172,998 211,879 203,709
Gross Loans Held for Investment 614,201 672,972 685,669 699,917
Loan Loss Reserve 9,924 9,826 9,590 9,553
Loans Held for Sale, before Reserves 3,051 3,604 5,798 3,599
Total Net Loans 607,328 666,750 681,877 693,963
Real Estate Owned and Held for Investment 7,854 4,117 3,005 3,301
Goodwill 5,650 5,650 5,650 5,650
Core Deposit Intangibles 0 0 0 0
Other Intangibles 0 0 0 0
Intangible Assets other than Goodwill 0 0 0 0
Total Intangible Assets 5,650 5,650 5,650 5,650
Loan Servicing Rights 1,478 1,573 1,710 1,825
Credit Card Rights 0 0 0 0
Other Loan Servicing Rights 0 0 0 0
Total Servicing Rights 1,478 1,573 1,710 1,825
Fixed Assets 16,854 16,159 18,013 18,418
Interest Receivable 2,170 2,348 2,443 2,520
Prepaid Expense 1,124 1,203 1,171 1,090
Bank-owned Life Insurance 18,170 18,721 18,994 19,266
Other Assets 2,283 1,869 1,940 2,282
Total Other Assets 40,601 40,300 42,561 43,576
Total Assets 815,815 891,388 946,682 952,024
Memo: Consolidated VIE Assets 0 0 0 0
Memo: Covered Loans 0 0 0 0
Memo: Covered OREO 0 0 0 0
Memo: Covered Securities 0 0 0 0
Memo: Covered Assets 0 0 0 0
Liabilities ($000)
Total Deposits 678,912 761,534 808,852 837,898
FHLB Borrowings 45,000 30,000 30,000 0
Senior Debt 45,000 30,000 30,000 0
Trust Preferred (FAS 150) 0 0 0 0
Total Subordinated Debt 0 0 0 0
Redeemable Financial Instruments (FAS 150) 0 0 0 0
Total Debt 45,000 30,000 30,000 0
Total Other Liabilities 2,716 3,020 3,001 3,126
Total Liabilities 726,628 794,554 841,853 841,024
Memo: Consolidated VIE Liabilities 0 0 0 0
Mezzanine ($000)
Redeemable Preferred 0 0 0 0
Trust Preferred Securities 0 0 0 0
Total Minority Interest 0 0 0 0
Other Mezzanine Items 0 0 0 0
Total Mezzanine Level Items 0 0 0 0
Equity ($000)
TARP Preferred Equity 0 0 0 0
Other Preferred Equity 0 0 0 0
Total Preferred Equity 0 0 0 0
Common Equity 89,187 96,834 104,829 111,000
Equity Attributable to Parent Company 89,187 96,834 104,829 111,000
Noncontrolling Interests 0 0 0 0
Total Equity 89,187 96,834 104,829 111,000
Net Unrealized Gain (313) (175) (178) (124)
Tot Acc Other Comprehensive Inc (313) (175) (178) (124)
Balance Sheet Analysis (%)
Gross Loans HFI/ Total Assets 75.29 75.50 72.43 73.52
Loans/ Deposits 90.47 88.37 84.77 83.53
Loan Loss Reserves/ Gross Loans 1.61 1.45 1.39 1.36
Reserves/ Loans Held For Investment 1.62 1.46 1.40 1.36
One Year Gap/ Assets NA NA NA NA
1-4 Loans Serviced for Others($000) 331,494 340,308 350,125 358,173
Level 1 Assets($000) 971 976 944 952
Level 2 Assets($000) 452 386 328 414
Level 3 Assets($000) 20,215 9,636 8,665 5,987
Level 1 Liabilities($000) 0 0 0 0
Level 2 Liabilities($000) 0 0 0 0
Level 3 Liabilities($000) 0 0 0 0
FTE Employees(actual) 240 259 257 262
Annualized Growth Rates (%)
Asset Growth 9.42 9.26 9.93 6.80
Gross Loans HFI Growth 6.77 9.57 3.94 4
Deposit Growth 10.37 12.17 9.56 10.03
Average Balances ($000)
Avg Gross Loans HFI 593,677 642,030 682,326 686,966
Avg Loans HFS 2,314 2,775 3,903 3,733
Average Loans, Gross of Reserves 596,750 643,698 688,506 692,278
Avg Securities 12,360 11,846 10,866 11,717
Avg Other Int Earn Assets 108,773 139,180 171,203 160,165
Avg Secs & Other Int Earn Assets 121,133 151,026 182,069 171,882
Avg Interest Earning Assets 717,883 794,724 870,575 864,160
Avg Assets 776,153 851,693 930,136 922,994
Avg CDs 159,815 151,072 144,021 143,171
Avg Other Interest-bearing Deposits 363,079 407,444 470,744 467,091
Avg Interest-bearing Deposits 522,894 558,516 614,765 610,262
Avg Debt 45,000 44,959 30,000 17,096
Avg Interest-bearing Liabs 567,894 603,475 644,765 627,358
Avg Noninterest-bearing Deposits 119,599 152,085 178,977 187,368
Avg Total Deposits 642,493 710,601 793,742 797,630
Avg Preferred Equity 0 0 0 0
Avg Common Equity 85,452 92,324 102,186 103,818
Avg Equity 85,452 92,324 102,186 103,818
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