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Financial Highlights

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Select Period: Financial Charting
 2018 FY2017 FY2016 FY2015 FY2014 FY
Period Ended12/31/201812/31/201712/31/201612/31/201512/31/2014
Balance Sheet ($000)   
Total Assets986,828876,627816,005733,071684,228
Total Net Loans768,161692,625641,142558,185514,733
Total Deposits802,552729,600673,073586,453550,906
Equity Attributable to Parent Company130,43594,00086,54881,24175,683
Total Equity130,43594,00086,54881,24175,683
Profitability (%)   
Net Income ($000) 11,63811,0658,7847,6195,263
Net Income Attributable to Parent ($000) 11,63811,0658,7847,6195,263
ROAA1.231.291.111.060.78
Core ROAA1.241.081.091.080.85
ROAE9.6112.3610.399.698.74
ROATCE11.7617.0714.4414.1313.18
Core ROAE9.7010.3510.209.869.52
Net Interest Margin3.953.783.753.783.62
Reported: Net Interest Margin3.953.783.753.783.62
Efficiency Ratio69.3068.9368.6367.7973.81
Noninterest Inc / Operating Rev33.2337.5940.5440.2237.71
Balance Sheet Ratios (%)   
Loans / Deposits96.1895.4895.7495.0993.72
Securities / Assets9.71NANA12.8313.09
Total Equity / Total Assets13.2210.7210.6111.0811.06
Tangible Equity / Tangible Assets11.759.028.779.048.79
Tang Common Equity / Tang Assets10.317.397.027.096.70
Asset Quality (%)   
NPAs / Assets0.400.440.651.150.92
NPA Excl Restructured / Assets0.310.310.460.950.72
NPAs & 90+ PD / Assets0.400.440.651.150.92
NPAs / Loans & REO0.510.550.821.491.20
Nonaccrual & 90+ & OREO / Assets0.310.310.460.950.72
NPAs & 90+ PD / Loans & REO0.510.550.821.491.20
NPA & Loans 90+ / Tangible Common Equity + LLR3.665.398.3314.5812.20
NCOs / Avg Loans0.050.0300.170.13
Loan Loss Reserves / Gross Loans1.051.131.191.241.30
Reserves / NPAs205.98205.49145.1882.90107.85
Loan Loss Provision / NCO165.29205.13NM124.8669.98
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) NANANANA43,576
Tier 1 Capital ($000) NANANANA67,598
Tier 2 Capital ($000) NANANANANA
Total Capital ($000) NANANANA74,220
Total Risk-weighted Assets ($000) NANANANA529,575
Tier 1 Common Capital (CET1) Ratio (%) NANANANA8.23
Tier 1 Ratio (%) NANANANA12.76
Total Capital Ratio (%) NANANANA14.02
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) NANANANA10.08
Basel III Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 6,503,2504,792,6464,844,0794,890,8864,875,131
Avg Diluted Shares (actual) 7,719,0007,474,0006,376,0006,423,0004,942,000
Basic Book Value per Share17.9116.7014.9813.7512.66
Book Value per Share, As Reported16.3615.0513.7512.8111.96
Basic Tangible Book Value per Share15.3913.2711.5910.399.17
Tangible Book Value per Share, As Reported15.3913.2711.5910.399.24
Common Dividends Declared per Share0.320.280.240.200.16
EPS after Extra1.511.481.381.191.07
EPS after Extra Growth (%) 2.007.2016.0011.200
Core EPS1.521.241.351.211.16
Core EPS Growth (%) 23.00(8.5)11.903.900.20
Diluted EPS before Amortization1.511.481.381.221.18
Pre-Provision Earnings per Share1.561.211.371.231.05
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