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Financial Highlights
2017 FQ3 YTD
9/30/2017
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 993,891 827,926 677,561 509,754 419,187
Total Net Loans 818,909 645,870 547,460 413,157 292,266
Total Deposits 840,578 712,593 485,178 420,444 336,876
Equity Attributable to Parent Company 118,239 81,033 75,340 65,836 62,313
Total Equity 118,239 81,033 75,340 65,836 62,313
Profitability (%)
Net Income($000) 10,406 10,499 8,876 4,540 3,920
Net Income Attributable to Parent($000) 10,406 10,499 8,876 4,540 3,920
ROAA 1.54 1.31 1.51 1 1.01
Core ROAA 1.43 1.38 1.60 1.01 0.94
ROAE 15.93 13.76 12.69 7.19 6.43
ROATCE 16.99 14.93 12.69 7.19 6.43
Core ROAE 14.86 14.41 13.43 7.23 5.97
Net Interest Margin 4.62 4.43 5.01 5.12 5.33
Reported: Net Interest Margin 4.63 4.43 5.01 5.12 5.33
Efficiency Ratio 68.81 66.62 63.13 74.04 70.30
Noninterest Inc/ Operating Rev 36.78 40.89 38.44 31.27 30.26
Balance Sheet Ratios (%)
Loans/ Deposits 90.94 84.69 105.18 93.54 84.95
Securities/ Assets 8.16 10.22 8.82 9.89 13.82
Total Equity/ Total Assets 11.90 9.79 11.12 12.92 14.87
Tangible Equity/ Tangible Assets 11.56 9.35 11.12 12.92 14.87
Tang Common Equity/ Tang Assets 11.56 9.35 11.12 12.92 14.87
Asset Quality (%)
NPAs/ Assets 0.13 0.10 0.18 0.24 0.96
NPA Excl Restructured/ Assets 0.13 0.09 0.15 0.08 0.77
NPAs & 90+ PD/ Assets 0.13 0.10 0.18 0.24 0.96
NPAs/ Loans & REO 0.16 0.12 0.22 0.29 1.34
Nonaccrual & 90+ & OREO/ Assets 0.13 0.09 0.15 0.08 0.77
NPAs & 90+ PD/ Loans & REO 0.16 0.12 0.22 0.29 1.34
NPA & Loans 90+/ Tangible Common Equity + LLR 1.06 0.91 1.47 1.69 5.97
NCOs/ Avg Loans 0.01 0 0.11 0.23 0.60
Loan Loss Reserves/ Gross Loans 1.28 1.56 1.40 1.45 1.71
Reserves/ NPAs 802.88 NM 634.99 500.82 126.57
Loan Loss Provision/ NCO NM 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($000) NA 672,631 551,774 415,285 331,183
Tier 1 Common Capital (CET1) Ratio(%) 14.24 11.63 13.64 NA NA
Tier 1 Ratio(%) 14.24 11.63 13.64 15.83 19.01
Total Capital Ratio(%) 15.49 12.88 14.90 17.08 20.26
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.94 9.52 11.56 13.16 15.50
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 3,674,902 3,059,503 3,242,120 3,235,625 3,240,125
Avg Diluted Shares(actual) 3,141,777 2,990,159 3,032,517 2,986,064 3,032,757
Basic Book Value per Share 32.17 26.49 23.24 20.35 19.23
As-reported Book Value per Share 33.52 28.32 25.18 22.10 20.55
Basic Tangible Book Value per Share 31.16 25.17 23.24 20.35 19.23
Reported: Tangible Book Value 32.46 26.91 25.18 22.10 20.55
Common Dividends Declared per Share 0.32 0.37 0.27 0.23 0.15
EPS after Extra 3.31 3.51 2.93 1.52 1.29
EPS after Extra Growth(%) 24.40 19.80 92.80 17.80 (26.70)
Core EPS 3.09 3.68 3.10 1.53 1.20
Core EPS Growth(%) 10.40 18.50 102.80 27.60 (29.50)
Diluted EPS before Amortization 3.41 3.68 2.93 1.52 1.29
Pre-Provision Earnings per Share 2.99 4.07 3.60 1.81 1.64
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