Financial Highlights

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Select Period: Financial Charting
 2018 FQ12017 FQ1 2017 FQ4 
Period Ended3/31/20183/31/2017Y-Y Ch (%)12/31/2017 Q-Q Ch (%)
Balance Sheet ($000)   
Total Assets409,837352,02616.42407,4182.37
Total Net Loans266,786242,50210.01260,6109.48
Total Deposits372,628319,22516.73371,4011.32
Equity Attributable to Parent Company35,70631,50813.3234,57313.11
Total Equity35,70631,50813.3234,57313.11
Profitability (%)   
Net Income ($000) 1,46483774.91877267.73
Net Income Attributable to Parent ($000) 1,46483774.91877267.73
ROAA1.440.9549  bp 0.8856  bp
Core ROAANA0.95NA  bp 0.88NA  bp
ROAE16.6310.90573  bp 10.17646  bp
ROATCE16.6310.90573  bp 10.17646  bp
Core ROAENA10.82NA  bp 10.17NA  bp
Net Interest Margin4.264.0719  bp 3.9729  bp
Reported: Net Interest Margin4.264.0719  bp 3.9729  bp
Efficiency Ratio56.2061.54 (534)  bp 52.21399  bp
Noninterest Inc / Operating Rev9.018.0695  bp 9.70 (69)  bp
Balance Sheet Ratios (%)   
Loans / Deposits72.5076.89 (439)  bp 71.07143  bp
Securities / AssetsNA19.72NA  bp 18.39NA  bp
Total Equity / Total Assets8.718.95 (24)  bp 8.4922  bp
Tangible Equity / Tangible Assets8.718.95 (24)  bp 8.4922  bp
Tang Common Equity / Tang Assets8.718.95 (24)  bp 8.4922  bp
Asset Quality (%)   
NPAs / Assets0.710.0170  bp 0.72 (1)  bp
NPA Excl Restructured / Assets0.71071  bp 0.72 (1)  bp
NPAs & 90+ PD / Assets0.710.0170  bp 0.72 (1)  bp
NPAs / Loans & REO1.080.01107  bp 1.11 (3)  bp
Nonaccrual & 90+ & OREO / Assets0.71071  bp 0.72 (1)  bp
NPAs & 90+ PD / Loans & REO1.080.01107  bp 1.11 (3)  bp
NPA & Loans 90+ / Tangible Common Equity + LLR7.500.09741  bp 7.72 (22)  bp
NCOs / Avg Loans000  bp (0.03)3  bp
Loan Loss Reserves / Gross Loans1.251.214  bp 1.27 (2)  bp
Reserves / NPAs114.81NMNM114.783  bp
Loan Loss Provision / NCONMNMNMNMNM
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) NA31,027NA34,210NA
Tier 1 Capital ($000) NA31,027NA34,210NA
Tier 2 Capital ($000) NA2,612NA2,742NA
Total Capital ($000) NA33,639NA36,952NA
Total Risk-weighted Assets ($000) NA208,547NA218,626NA
Tier 1 Common Capital (CET1) Ratio (%) NA14.88NA  bp 15.60NA  bp
Tier 1 Ratio (%) NA14.88NA  bp 15.60NA  bp
Total Capital Ratio (%) NA16.13NA  bp 16.90NA  bp
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) NA8.82NA  bp 8.60NA  bp
Basel III Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 2,857,1392,818,0661.392,837,3132.80
Avg Diluted Shares (actual) 2,918,0372,865,1981.842,894,9673.19
Basic Book Value per Share12.5011.1811.8112.1910.17
As-reported Book Value per Share12.5011.1811.8112.1810.51
Basic Tangible Book Value per Share12.5011.1811.8112.1910.17
Reported: Tangible Book Value12.5011.1811.8112.1810.51
Common Dividends Declared per Share00000
EPS after Extra0.500.2972.410.30266.67
EPS after Extra Growth (%) 72.4011.506,087  bp (11.8)8,417  bp
Core EPSNA0.29NA0.30NA
Core EPS Growth (%) NA11.40NA  bp (11.8)NA  bp
Diluted EPS before Amortization0.500.2972.410.30266.67
Pre-Provision Earnings per Share0.440.3333.330.45 (8.89)
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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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