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Financial Highlights
2018 FQ1 YTD
3/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
Balance Sheet ($000)
Total Assets 1,043,612 981,783 827,926 677,561 509,754
Total Net Loans 856,947 815,021 645,870 547,460 413,157
Total Deposits 857,478 829,842 712,593 485,178 420,444
Equity Attributable to Parent Company 125,442 122,002 81,033 75,340 65,836
Total Equity 125,442 122,002 81,033 75,340 65,836
Profitability (%)
Net Income($000) 4,322 14,085 10,499 8,876 4,540
Net Income Attributable to Parent($000) 4,322 14,085 10,499 8,876 4,540
ROAA 1.70 1.53 1.31 1.51 1
Core ROAA 1.69 1.41 1.38 1.60 1.01
ROAE 14.08 14.78 13.76 12.69 7.19
ROATCE 14.71 15.68 14.93 12.69 7.19
Core ROAE 13.99 13.65 14.41 13.43 7.23
Net Interest Margin 4.70 4.65 4.43 5.01 5.12
Reported: Net Interest Margin 4.76 4.65 4.43 5.01 5.12
Efficiency Ratio 66.79 68.24 66.62 63.13 74.04
Noninterest Inc/ Operating Rev 29.93 35.43 40.89 38.44 31.27
Balance Sheet Ratios (%)
Loans/ Deposits 95.25 93.07 84.69 105.18 93.54
Securities/ Assets 9.17 8.69 10.22 8.82 9.89
Total Equity/ Total Assets 12.02 12.43 9.79 11.12 12.92
Tangible Equity/ Tangible Assets 11.72 12.10 9.35 11.12 12.92
Tang Common Equity/ Tang Assets 11.72 12.10 9.35 11.12 12.92
Asset Quality (%)
NPAs/ Assets 0.07 0.11 0.10 0.18 0.24
NPA Excl Restructured/ Assets 0.07 0.11 0.09 0.15 0.08
NPAs & 90+ PD/ Assets 0.07 0.11 0.10 0.18 0.24
NPAs/ Loans & REO 0.08 0.13 0.12 0.22 0.29
Nonaccrual & 90+ & OREO/ Assets 0.07 0.11 0.09 0.15 0.08
NPAs & 90+ PD/ Loans & REO 0.08 0.13 0.12 0.22 0.29
NPA & Loans 90+/ Tangible Common Equity + LLR 0.54 0.85 0.91 1.47 1.69
NCOs/ Avg Loans (0.02) 0.03 0 0.11 0.23
Loan Loss Reserves/ Gross Loans 1.28 1.30 1.56 1.40 1.45
Reserves/ NPAs NM 983.18 NM 634.99 500.82
Loan Loss Provision/ NCO NM 365.85 NM 405.41 224.44
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 119,111 78,227 75,262 NA
Tier 1 Capital($000) NA 119,111 78,227 75,262 65,719
Tier 2 Capital($000) NA 10,316 8,433 6,908 NA
Total Capital($000) NA 129,427 86,660 82,170 70,927
Total Risk-weighted Assets($000) NA 824,298 672,631 551,774 415,285
Tier 1 Common Capital (CET1) Ratio(%) 14.51 14.45 11.63 13.64 NA
Tier 1 Ratio(%) 14.51 14.45 11.63 13.64 15.83
Total Capital Ratio(%) 15.76 15.70 12.88 14.90 17.08
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 12.20 12.13 9.52 11.56 13.16
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 3,695,552 3,680,152 3,059,503 3,242,120 3,235,625
Avg Diluted Shares(actual) 3,751,537 3,291,700 2,990,159 3,032,517 2,986,064
Basic Book Value per Share 33.94 33.15 26.49 23.24 20.35
As-reported Book Value per Share 35.21 34.47 28.32 25.18 22.10
Basic Tangible Book Value per Share 32.98 32.17 25.17 23.24 20.35
Reported: Tangible Book Value 34.21 33.44 26.91 25.18 22.10
Common Dividends Declared per Share 0.25 0.43 0.37 0.27 0.23
EPS after Extra 1.15 4.28 3.51 2.93 1.52
EPS after Extra Growth(%) 35.30 21.90 19.80 92.80 17.80
Core EPS 1.14 3.95 3.68 3.10 1.53
Core EPS Growth(%) 31.10 7.60 18.50 102.80 27.60
Diluted EPS before Amortization 1.17 4.40 3.68 2.93 1.52
Pre-Provision Earnings per Share 1.13 3.93 4.07 3.60 1.81
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