Financial Highlights
 2019 FQ1 YTD2018 FY2017 FY2016 FY2015 FY
Period Ended3/31/201912/31/201812/31/201712/31/201612/31/2015
Balance Sheet ($000)   
Total Assets1,021,271986,828876,627816,005733,071
Total Net Loans778,748768,161692,625641,142558,185
Total Deposits827,658802,552729,600673,073586,453
Equity Attributable to Parent Company131,506130,43594,00086,54881,241
Total Equity131,506130,43594,00086,54881,241
Profitability (%)   
Net Income ($000) 2,22611,63811,0658,7847,619
Net Income Attributable to Parent ($000) 2,22611,63811,0658,7847,619
ROAA0.891.231.291.111.06
Core ROAA0.891.241.081.091.08
ROAE6.769.6112.3610.399.69
ROATCE7.8911.7617.0714.4414.13
Core ROAE6.779.7010.3510.209.86
Net Interest Margin3.813.953.783.753.78
Reported: Net Interest Margin3.813.953.783.753.78
Efficiency Ratio75.7669.3068.9368.6367.79
Noninterest Inc / Operating Rev26.4633.2337.5940.5440.22
Balance Sheet Ratios (%)   
Loans / Deposits94.5596.1895.4895.7495.09
Securities / AssetsNA9.71NANA12.83
Total Equity / Total Assets12.8813.2210.7210.6111.08
Tangible Equity / Tangible Assets11.3311.759.028.779.04
Tang Common Equity / Tang Assets9.9310.317.397.027.09
Asset Quality (%)   
NPAs / Assets0.420.400.440.651.15
NPA Excl Restructured / Assets0.340.310.310.460.95
NPAs & 90+ PD / Assets0.420.400.440.651.15
NPAs / Loans & REO0.540.510.550.821.49
Nonaccrual & 90+ & OREO / Assets0.340.310.310.460.95
NPAs & 90+ PD / Loans & REO0.540.510.550.821.49
NPA & Loans 90+ / Tangible Common Equity + LLR3.983.665.398.3314.58
NCOs / Avg Loans0.020.050.0300.17
Loan Loss Reserves / Gross Loans1.031.051.131.191.24
Reserves / NPAs189.48205.98205.49145.1882.90
Loan Loss Provision / NCO0165.29205.13NM124.86
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) NANANANANA
Tier 1 Capital ($000) NANANANANA
Tier 2 Capital ($000) NANANANANA
Total Capital ($000) NANANANANA
Total Risk-weighted Assets ($000) NANANANANA
Tier 1 Common Capital (CET1) Ratio (%) NANANANANA
Tier 1 Ratio (%) NANANANANA
Total Capital Ratio (%) NANANANANA
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) NANANANANA
Basel III Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 6,460,1446,503,2504,792,6464,844,0794,890,886
Avg Diluted Shares (actual) 7,994,0007,719,0007,474,0006,376,0006,423,000
Basic Book Value per Share18.1917.9116.7014.9813.75
Book Value per Share, As Reported16.5716.3615.0513.7512.81
Basic Tangible Book Value per Share15.4315.3913.2711.5910.39
Tangible Book Value per Share, As Reported15.4315.3913.2711.5910.39
Common Dividends Declared per Share0.090.320.280.240.20
EPS after Extra0.281.511.481.381.19
EPS after Extra Growth (%) (20.0)2.007.2016.0011.20
Core EPS0.281.521.241.351.21
Core EPS Growth (%) (24.8)23.00(8.5)11.903.90
Diluted EPS before Amortization0.281.511.481.381.22
Pre-Provision Earnings per Share0.271.561.211.371.23

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