Financial Highlights

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Financial Highlights
2017 FQ4
12/31/2017
2016 FQ4
12/31/2016
Y-Y Ch (%)
2017 FQ3
9/30/2017
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 928,766 795,535 16.75 910,694 7.94
Total Net Loans 702,931 596,725 17.80 683,605 11.31
Total Deposits 764,099 658,930 15.96 740,961 12.49
Equity Attributable to Parent Company 73,665 51,387 43.35 74,108 (2.39)
Total Equity 73,665 51,387 43.35 74,108 (2.39)
Profitability (%)
Net Income($000) 48 1,348 (96.44) 1,640 (388.29)
Net Income Attributable to Parent($000) 48 1,348 (96.44) 1,640 (388.29)
ROAA 0.02 0.69 (67) bp 0.71 (69) bp
Core ROAA 0.02 0.69 (67) bp 0.71 (69) bp
ROAE 0.26 10.47 (1,021) bp 8.90 (864) bp
ROATCE 0.26 10.47 (1,021) bp 8.90 (864) bp
Core ROAE 0.26 10.47 (1,021) bp 8.90 (864) bp
Net Interest Margin 3.09 3.18 (9) bp 3.12 (3) bp
Reported: Net Interest Margin 3.09 3.18 (9) bp 3.09 0 bp
Efficiency Ratio 65.95 72.82 (687) bp 65.36 59 bp
Noninterest Inc/ Operating Rev 11.06 13.32 (226) bp 11.01 5 bp
Balance Sheet Ratios (%)
Loans/ Deposits 93.09 91.64 145 bp 93.33 (24) bp
Securities/ Assets 18.21 19.41 (120) bp 18.99 (78) bp
Total Equity/ Total Assets 7.93 6.46 147 bp 8.14 (21) bp
Tangible Equity/ Tangible Assets 7.93 6.46 147 bp 8.14 (21) bp
Tang Common Equity/ Tang Assets 7.93 6.46 147 bp 8.14 (21) bp
Asset Quality (%)
NPAs/ Assets NA 1.07 NA 0.77 NA
NPA Excl Restructured/ Assets 0.13 0.13 0 bp 0.09 4 bp
NPAs & 90+ PD/ Assets NA 1.07 NA 0.77 NA
NPAs/ Loans & REO NA 1.41 NA 1.01 NA
Nonaccrual & 90+ & OREO/ Assets 0.13 0.13 0 bp 0.09 4 bp
NPAs & 90+ PD/ Loans & REO NA 1.41 NA 1.01 NA
NPA & Loans 90+/ Tangible Common Equity + LLR NA 14.35 NA 8.47 NA
NCOs/ Avg Loans (0.04) (0.04) 0 bp (0.03) (1) bp
Loan Loss Reserves/ Gross Loans 1.23 1.31 (8) bp 1.24 (1) bp
Reserves/ NPAs NA 92.92 NA 122.95 NA
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 59,591 NA NA NA
Tier 2 Capital($000) NA 23,940 NA NA NA
Total Capital($000) NA 83,531 NA NA NA
Total Risk-weighted Assets($000) NA 638,000 NA NA NA
Tier 1 Common Capital (CET1) Ratio(%) NA NA NA NA NA
Tier 1 Ratio(%) NA 9.35 NA 11.23 NA
Total Capital Ratio(%) 14.29 13.10 119 bp 14.62 (33) bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.88 7.65 123 bp 8.88 0 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 8,656,287 6,121,329 41.41 8,645,316 0.51
Avg Diluted Shares(actual) 8,648,191 6,119,693 41.32 8,643,737 0.21
Basic Book Value per Share 8.51 8.39 1.43 8.57 (2.80)
As-reported Book Value per Share 8.51 8.39 1.43 8.57 (2.80)
Basic Tangible Book Value per Share 8.51 8.39 1.43 8.57 (2.80)
Reported: Tangible Book Value 8.51 8.39 1.43 8.57 (2.80)
Common Dividends Declared per Share 0.03 0.03 0 0.03 0
EPS after Extra 0.01 0.22 (95.45) 0.19 (378.95)
EPS after Extra Growth(%) (95.50) 29.40 (12,486) bp 11.80 (10,721) bp
Core EPS 0.01 0.22 (95.45) 0.19 (378.95)
Core EPS Growth(%) (95.50) 30.70 (12,612) bp 12.10 (10,758) bp
Diluted EPS before Amortization 0.01 0.22 (95.45) 0.19 (378.95)
Pre-Provision Earnings per Share 0.35 0.19 84.21 0.20 300

   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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