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Financial Highlights
2017 FQ1 YTD
3/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
2013 FY
12/31/2013
Balance Sheet ($000)
Total Assets 877,884 827,926 677,561 509,754 419,187
Total Net Loans 657,851 645,870 547,460 413,157 292,266
Total Deposits 758,014 712,593 485,178 420,444 336,876
Equity Attributable to Parent Company 83,964 81,033 75,340 65,836 62,313
Total Equity 83,964 81,033 75,340 65,836 62,313
Profitability (%)
Net Income($000) 2,593 10,499 8,876 4,540 3,920
Net Income Attributable to Parent($000) 2,593 10,499 8,876 4,540 3,920
ROAA 1.22 1.31 1.51 1 1.01
Core ROAA NA 1.38 1.60 1.01 0.94
ROAE 12.57 13.76 12.69 7.19 6.43
ROATCE 13.54 14.93 12.69 7.19 6.43
Core ROAE NA 14.41 13.43 7.23 5.97
Net Interest Margin 4.54 4.43 5.01 5.12 5.33
Reported: Net Interest Margin 4.54 4.43 5.01 5.12 5.33
Efficiency Ratio 71.39 66.62 63.13 74.04 70.30
Noninterest Inc/ Operating Rev 37.65 40.89 38.44 31.27 30.26
Balance Sheet Ratios (%)
Loans/ Deposits 82.85 84.69 105.18 93.54 84.95
Securities/ Assets 12.57 10.22 8.82 9.89 13.82
Total Equity/ Total Assets 9.56 9.79 11.12 12.92 14.87
Tangible Equity/ Tangible Assets 9.16 9.35 11.12 12.92 14.87
Tang Common Equity/ Tang Assets 9.16 9.35 11.12 12.92 14.87
Asset Quality (%)
NPAs/ Assets NA 0.10 0.18 0.24 0.96
NPA Excl Restructured/ Assets 0.09 0.09 0.15 0.08 0.77
NPAs & 90+ PD/ Assets NA 0.10 0.18 0.24 0.96
NPAs/ Loans & REO NA 0.12 0.22 0.29 1.34
Nonaccrual & 90+ & OREO/ Assets 0.09 0.09 0.15 0.08 0.77
NPAs & 90+ PD/ Loans & REO NA 0.12 0.22 0.29 1.34
NPA & Loans 90+/ Tangible Common Equity + LLR NA 0.91 1.47 1.69 5.97
NCOs/ Avg Loans 0.04 0 0.11 0.23 0.60
Loan Loss Reserves/ Gross Loans 1.52 1.56 1.40 1.45 1.71
Reserves/ NPAs NA NM 634.99 500.82 126.57
Loan Loss Provision/ NCO 0 NM 405.41 224.44 122.18
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 78,227 75,262 NA NA
Tier 1 Capital($000) NA 78,227 75,262 65,719 63,001
Tier 2 Capital($000) NA 8,433 6,908 NA NA
Total Capital($000) NA 86,660 82,170 70,927 67,157
Total Risk-weighted Assets($000) NA 672,631 551,774 415,285 331,183
Tier 1 Common Capital (CET1) Ratio(%) 11.64 11.63 13.64 NA NA
Tier 1 Ratio(%) NA 11.63 13.64 15.83 19.01
Total Capital Ratio(%) 12.89 12.88 14.90 17.08 20.26
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.65 9.52 11.56 13.16 15.50
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 3,065,266 3,059,503 3,242,120 3,235,625 3,240,125
Avg Diluted Shares(actual) 3,061,997 2,990,159 3,032,517 2,986,064 3,032,757
Basic Book Value per Share 27.39 26.49 23.24 20.35 19.23
As-reported Book Value per Share 29.21 28.32 25.18 22.10 20.55
Basic Tangible Book Value per Share 26.11 25.17 23.24 20.35 19.23
Reported: Tangible Book Value 27.84 26.91 25.18 22.10 20.55
Common Dividends Declared per Share 0.10 0.37 0.27 0.23 0.15
EPS after Extra 0.85 3.51 2.93 1.52 1.29
EPS after Extra Growth(%) 54.50 19.80 92.80 17.80 (26.70)
Core EPS NA 3.68 3.10 1.53 1.20
Core EPS Growth(%) NA 18.50 102.80 27.60 (29.50)
Diluted EPS before Amortization 0.88 3.68 2.93 1.52 1.29
Pre-Provision Earnings per Share 0.86 4.07 3.60 1.81 1.64
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