Financial Highlights

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Select Period: Financial Charting
 2017 FQ42016 FQ4 2017 FQ3 
Period Ended12/31/201712/31/2016Y-Y Ch (%)9/30/2017 Q-Q Ch (%)
Balance Sheet ($000)   
Total Assets407,418363,53312.07377,04332.22
Total Net Loans260,610224,35516.16241,71731.26
Total Deposits371,401332,33111.76342,12634.23
Equity Attributable to Parent Company34,57229,93015.5133,8049.09
Total Equity34,57229,93015.5133,8049.09
Profitability (%)   
Net Income ($000) 877932 (5.90) 1,055 (67.49)
Net Income Attributable to Parent ($000) 877932 (5.90) 1,055 (67.49)
ROAA0.881.06 (18)  bp 1.13 (25)  bp
Core ROAA0.811.06 (25)  bp 1.05 (24)  bp
ROAE10.1712.42 (225)  bp 12.58 (241)  bp
ROATCE10.1712.42 (225)  bp 12.58 (241)  bp
Core ROAE9.3412.42 (308)  bp 11.65 (231)  bp
Net Interest Margin3.973.898  bp 4.16 (19)  bp
Reported: Net Interest Margin3.973.898  bp 4.16 (19)  bp
Efficiency Ratio53.6152.48113  bp 54.27 (66)  bp
Noninterest Inc / Operating Rev7.2711.94 (467)  bp 11.94 (467)  bp
Balance Sheet Ratios (%)   
Loans / Deposits71.0768.38269  bp 71.63 (56)  bp
Securities / Assets18.3918.76 (37)  bp 17.11128  bp
Total Equity / Total Assets8.498.2326  bp 8.97 (48)  bp
Tangible Equity / Tangible Assets8.498.2326  bp 8.97 (48)  bp
Tang Common Equity / Tang Assets8.498.2326  bp 8.97 (48)  bp
Asset Quality (%)   
NPAs / Assets0.720.0963  bp 0.675  bp
NPA Excl Restructured / Assets0.720.0864  bp 0.675  bp
NPAs & 90+ PD / Assets0.720.0963  bp 0.675  bp
NPAs / Loans & REO1.110.1497  bp 1.038  bp
Nonaccrual & 90+ & OREO / Assets0.720.0864  bp 0.675  bp
NPAs & 90+ PD / Loans & REO1.110.1497  bp 1.038  bp
NPA & Loans 90+ / Tangible Common Equity + LLR7.720.99673  bp 6.7795  bp
NCOs / Avg Loans(0.03)(0.03)0  bp 0.05 (8)  bp
Loan Loss Reserves / Gross Loans1.271.270  bp 1.37 (10)  bp
Reserves / NPAs114.78883.44 (76,866)  bp 133.08 (1,830)  bp
Loan Loss Provision / NCONMNMNMNMNM
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) NA29,597NA33,233NA
Tier 1 Capital ($000) NA29,597NA33,233NA
Tier 2 Capital ($000) NA2,500NA2,722NA
Total Capital ($000) NA32,097NA35,955NA
Total Risk-weighted Assets ($000) NA199,576NA217,079NA
Tier 1 Common Capital (CET1) Ratio (%) NA14.83NA  bp 15.31NA  bp
Tier 1 Ratio (%) NA14.83NA  bp 15.31NA  bp
Total Capital Ratio (%) NA16.08NA  bp 16.56NA  bp
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) NA8.45NA  bp 8.92NA  bp
Basel III Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 2,837,3132,732,0433.852,818,0662.73
Avg Diluted Shares (actual) 2,894,9672,772,6184.412,885,1031.37
Basic Book Value per Share12.1810.9611.1312.006
As-reported Book Value per Share12.1810.9611.1312.006
Basic Tangible Book Value per Share12.1810.9611.1312.006
Reported: Tangible Book Value12.1810.9611.1312.006
Common Dividends Declared per Share00000
EPS after Extra0.300.34 (11.76) 0.37 (75.68)
EPS after Extra Growth (%) (11.8)70.00 (8,176)  bp 42.30 (5,407)  bp
Core EPS0.280.34 (17.65) 0.34 (70.59)
Core EPS Growth (%) (18.9)71.90 (9,083)  bp 31.80 (5,070)  bp
Diluted EPS before Amortization0.300.34 (11.76) 0.37 (75.68)
Pre-Provision Earnings per Share0.430.4300.45 (17.78)
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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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