Financial Highlights

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Financial Highlights
2018 FQ1
3/31/2018
2017 FQ1
3/31/2017
Y-Y Ch (%)
2017 FQ4
12/31/2017
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 922,441 844,399 9.24 928,766 (2.72)
Total Net Loans 699,276 646,384 8.18 702,931 (2.08)
Total Deposits 772,216 700,704 10.21 764,099 4.25
Equity Attributable to Parent Company 74,372 52,417 41.89 73,665 3.84
Total Equity 74,372 52,417 41.89 73,665 3.84
Profitability (%)
Net Income($000) 1,808 991 82.44 48 14,666.67
Net Income Attributable to Parent($000) 1,808 991 82.44 48 14,666.67
ROAA 0.79 0.48 31 bp 0.02 77 bp
Core ROAA 0.81 0.48 33 bp 0.64 17 bp
ROAE 9.78 7.60 218 bp 0.26 952 bp
ROATCE 9.78 7.60 218 bp 0.26 952 bp
Core ROAE 10.07 7.60 247 bp 7.95 212 bp
Net Interest Margin 3.11 3.19 (8) bp 3.09 2 bp
Reported: Net Interest Margin 3.15 3.23 (8) bp 3.09 6 bp
Efficiency Ratio 71.13 72.60 (147) bp 65.67 546 bp
Noninterest Inc/ Operating Rev 10.41 11.45 (104) bp 11.06 (65) bp
Balance Sheet Ratios (%)
Loans/ Deposits 91.65 93.40 (175) bp 93.09 (144) bp
Securities/ Assets 17.90 18.03 (13) bp 18.21 (31) bp
Total Equity/ Total Assets 8.06 6.21 185 bp 7.93 13 bp
Tangible Equity/ Tangible Assets 8.06 6.21 185 bp 7.93 13 bp
Tang Common Equity/ Tang Assets 8.06 6.21 185 bp 7.93 13 bp
Asset Quality (%)
NPAs/ Assets 0.76 0.98 (22) bp 0.76 0 bp
NPA Excl Restructured/ Assets 0.12 0.12 0 bp 0.13 (1) bp
NPAs & 90+ PD/ Assets 0.76 0.98 (22) bp 0.76 0 bp
NPAs/ Loans & REO 0.99 1.27 (28) bp 1 (1) bp
Nonaccrual & 90+ & OREO/ Assets 0.12 0.12 0 bp 0.13 (1) bp
NPAs & 90+ PD/ Loans & REO 0.99 1.27 (28) bp 1 (1) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 8.50 13.67 (517) bp 8.61 (11) bp
NCOs/ Avg Loans (0.01) (0.03) 2 bp (0.04) 3 bp
Loan Loss Reserves/ Gross Loans 1.19 1.26 (7) bp 1.23 (4) bp
Reserves/ NPAs 120.03 99.43 2,060 bp 123.51 (348) bp
Loan Loss Provision/ NCO NM NM NM NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA NA NA NA NA
Tier 1 Capital($000) NA 60,435 NA 81,886 NA
Tier 2 Capital($000) NA NA NA 24,862 NA
Total Capital($000) NA 84,732 NA 106,748 NA
Total Risk-weighted Assets($000) NA 684,428 NA NA NA
Tier 1 Common Capital (CET1) Ratio(%) NA NA NA NA NA
Tier 1 Ratio(%) 11.12 8.83 229 bp 10.96 16 bp
Total Capital Ratio(%) 14.40 12.38 202 bp 14.29 11 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.04 7.38 166 bp 8.88 16 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 8,674,890 6,132,774 41.45 8,652,804 1.02
Avg Diluted Shares(actual) 8,658,506 6,124,926 41.37 8,648,191 0.48
Basic Book Value per Share 8.57 8.55 0.23 8.51 2.82
As-reported Book Value per Share 8.57 8.55 0.23 8.51 2.82
Basic Tangible Book Value per Share 8.57 8.55 0.23 8.51 2.82
Reported: Tangible Book Value 8.57 8.55 0.23 8.51 2.82
Common Dividends Declared per Share 0.03 0.03 0 0.03 0
EPS after Extra 0.21 0.16 31.25 0.01 8,000
EPS after Extra Growth(%) 31.30 0 3,125 bp (95.50) 12,670 bp
Core EPS 0.22 0.16 37.50 0.31 (116.13)
Core EPS Growth(%) 35.20 1.60 3,353 bp 39.10 (395) bp
Diluted EPS before Amortization 0.21 0.16 31.25 0.01 8,000
Pre-Provision Earnings per Share 0.20 0.20 0 0.35 (171.43)

   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.


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