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Financial Highlights
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
2013 FY
12/31/2013
2012 FY
12/31/2012
Balance Sheet ($000)
Total Assets 827,926 677,561 509,754 419,187 359,030
Total Net Loans 645,870 547,460 413,157 292,266 283,819
Total Deposits 712,593 485,178 420,444 336,876 288,949
Equity Attributable to Parent Company 81,033 75,340 65,836 62,313 59,897
Total Equity 81,033 75,340 65,836 62,313 59,897
Profitability (%)
Net Income($000) 10,499 8,876 4,540 3,920 5,295
Net Income Attributable to Parent($000) 10,499 8,876 4,540 3,920 5,295
ROAA 1.31 1.51 1 1.01 1.63
Core ROAA 1.38 1.60 1.01 0.94 1.57
ROAE 13.76 12.69 7.19 6.43 12.85
ROATCE 14.93 12.69 7.19 6.43 12.85
Core ROAE 14.41 13.43 7.23 5.97 12.41
Net Interest Margin 4.44 5.01 5.12 5.33 5.43
Reported: Net Interest Margin 4.44 5.01 5.12 5.33 5.43
Efficiency Ratio 66.62 63.13 74.04 70.30 69.24
Noninterest Inc/ Operating Rev 40.89 38.44 31.27 30.26 26.38
Balance Sheet Ratios (%)
Loans/ Deposits 84.69 105.18 93.54 84.95 96.78
Securities/ Assets 10.22 8.82 9.89 13.82 12.56
Total Equity/ Total Assets 9.79 11.12 12.92 14.87 16.68
Tangible Equity/ Tangible Assets 9.35 11.12 12.92 14.87 16.68
Tang Common Equity/ Tang Assets 9.35 11.12 12.92 14.87 16.68
Asset Quality (%)
NPAs/ Assets 0.09 0.18 0.24 0.96 1.79
NPA Excl Restructured/ Assets 0.09 0.15 0.08 0.77 1.13
NPAs & 90+ PD/ Assets NA 0.18 0.24 0.96 1.79
NPAs/ Loans & REO 0.12 0.22 0.29 1.34 2.21
Nonaccrual & 90+ & OREO/ Assets NA 0.15 0.08 0.77 1.13
NPAs & 90+ PD/ Loans & REO NA 0.22 0.29 1.34 2.21
NPA & Loans 90+/ Tangible Common Equity + LLR NA 1.47 1.69 5.97 9.96
NCOs/ Avg Loans 0 0.11 0.23 0.60 1.03
Loan Loss Reserves/ Gross Loans 1.56 1.40 1.45 1.71 1.63
Reserves/ NPAs NM 634.99 500.82 126.57 73.04
Loan Loss Provision/ NCO NM 405.41 224.44 122.18 113.79
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 75,262 NA NA NA
Tier 1 Capital($000) NA 75,262 65,719 63,001 58,688
Tier 2 Capital($000) NA 6,908 NA NA NA
Total Capital($000) NA 82,170 70,927 67,157 62,652
Total Risk-weighted Assets($000) NA 551,774 415,285 331,183 316,156
Tier 1 Common Capital (CET1) Ratio(%) 11.63 13.64 NA NA NA
Tier 1 Ratio(%) NA 13.64 15.83 19.01 18.56
Total Capital Ratio(%) 12.88 14.90 17.08 20.26 19.82
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.52 11.56 13.16 15.50 16.66
Supplementary Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 3,059,503 3,242,120 3,235,625 3,240,125 3,240,125
Avg Diluted Shares(actual) 2,991,168 3,032,517 2,986,064 3,032,757 3,006,836
Basic Book Value per Share 26.49 23.24 20.35 19.23 18.49
As-reported Book Value per Share 28.32 25.18 22.10 20.55 19.92
Basic Tangible Book Value per Share 25.17 23.24 20.35 19.23 18.49
Reported: Tangible Book Value 26.91 25.18 22.10 20.55 19.92
Common Dividends Declared per Share 0.37 0.27 0.23 0.15 0
EPS after Extra 3.51 2.93 1.52 1.29 1.76
EPS after Extra Growth(%) 19.80 92.80 17.80 (26.70) NA
Core EPS 3.68 3.10 1.53 1.20 1.70
Core EPS Growth(%) 18.50 102.80 27.60 (29.50) NA
Diluted EPS before Amortization 3.68 2.93 1.52 1.29 1.76
Pre-Provision Earnings per Share 4.07 3.60 1.81 1.64 1.26
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