Financial Highlights

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 1,581,518 1,534,302 1,418,804 1,384,476 1,110,459
Total Net Loans 1,198,386 1,162,857 1,133,938 1,126,787 861,601
Total Deposits 1,153,907 1,159,580 1,107,017 1,012,314 823,227
Equity Attributable to Parent Company 150,421 150,192 145,625 114,712 109,438
Total Equity 150,421 150,192 145,625 114,712 109,438
Profitability (%)
Net Income($000) 2,594 7,575 12,912 6,816 2,079
Net Income Attributable to Parent($000) 2,594 7,575 12,912 6,816 2,079
ROAA 0.68 0.52 0.90 0.56 0.20
Core ROAA 0.63 0.50 0.61 0.57 0.29
ROAE 6.94 5.23 10.50 6.08 2.01
ROATCE 8.12 6.06 13.57 8.09 2.38
Core ROAE 6.41 5.02 7.05 6.25 2.94
Net Interest Margin 3.25 3.27 3.22 3.07 3.01
Reported: Net Interest Margin 3.29 3.27 3.22 3.07 3.01
Efficiency Ratio 82.84 83.26 80.60 82.85 88.04
Noninterest Inc/ Operating Rev 43.18 47.22 49.49 49.96 42.99
Balance Sheet Ratios (%)
Loans/ Deposits 100.28 95.37 95.11 101.96 96.97
Securities/ Assets 15.38 15.58 11.86 9.51 11.52
Total Equity/ Total Assets 9.51 9.79 10.26 8.29 9.86
Tangible Equity/ Tangible Assets 8.40 8.65 9.03 6.99 8.39
Tang Common Equity/ Tang Assets 7.90 8.13 7.86 5.79 6.89
Asset Quality (%)
NPAs/ Assets 0.93 1.02 0.85 1.17 1.20
NPA Excl Restructured/ Assets 0.58 0.63 0.44 0.68 0.36
NPAs & 90+ PD/ Assets 0.93 1.02 0.85 1.23 1.68
NPAs/ Loans & REO 1.22 1.33 1.06 1.43 1.54
Nonaccrual & 90+ & OREO/ Assets 0.58 0.63 0.44 0.74 0.83
NPAs & 90+ PD/ Loans & REO 1.22 1.33 1.06 1.50 2.15
NPA & Loans 90+/ Tangible Common Equity + LLR 11.01 11.72 10.18 19.57 22.86
NCOs/ Avg Loans 0.10 0.12 0.22 0.07 0.17
Loan Loss Reserves/ Gross Loans 0.83 0.84 0.80 0.71 0.72
Reserves/ NPAs 68.47 63.32 75.04 49.45 46.66
Loan Loss Provision/ NCO 166.32 155.66 143.16 351.13 199.54
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 130,702 126,350 114,642 82,494 77,824
Tier 1 Capital($000) 142,660 138,308 135,100 102,952 98,158
Tier 2 Capital($000) 39,951 39,839 38,993 37,424 NA
Total Capital($000) 182,611 178,147 174,093 140,376 133,780
Total Risk-weighted Assets($000) 1,233,545 1,198,102 1,133,743 1,086,877 815,616
Tier 1 Common Capital (CET1) Ratio(%) 10.60 10.55 10.11 7.59 9.54
Tier 1 Ratio(%) 11.57 11.54 11.92 9.47 12.03
Total Capital Ratio(%) 14.80 14.87 15.36 12.91 16.40
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.50 9.27 9.54 7.77 8.98
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 10,538,627 10,444,627 9,996,544 8,061,921 7,983,285
Avg Diluted Shares(actual) 12,714,353 10,440,228 10,068,733 8,140,116 8,102,117
Basic Book Value per Share 13.53 13.63 12.93 12.20 11.66
As-reported Book Value per Share 13.53 13.63 12.93 12.20 11.59
Basic Tangible Book Value per Share 11.72 11.80 11.01 9.81 9.44
Reported: Tangible Book Value NA 11.80 11.01 9.81 9.44
Common Dividends Declared per Share 0.03 0.10 0.08 0.08 0.08
EPS after Extra 0.23 0.68 1.31 0.77 0.22
EPS after Extra Growth(%) 64.30 (48.10) 70.10 250 (61.40)
Core EPS 0.21 0.65 0.89 0.79 0.34
Core EPS Growth(%) 64.80 (26.60) 11.80 132 (39.20)
Diluted EPS before Amortization 0.23 0.69 1.32 0.77 0.22
Pre-Provision Earnings per Share 0.20 0.82 1.09 0.94 0.46
Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.
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