Financial Highlights

Financial Highlights
2017 FQ3 YTD
9/30/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
2013 FY
12/31/2013
Balance Sheet ($000)
Total Assets 1,471,590 1,418,804 1,384,476 1,110,459 987,060
Total Net Loans 1,154,128 1,133,938 1,126,787 861,601 707,430
Total Deposits 1,165,199 1,107,017 1,012,314 823,227 695,811
Equity Attributable to Parent Company 148,977 145,625 114,712 109,438 94,022
Total Equity 148,977 145,625 114,712 109,438 94,022
Profitability (%)
Net Income($000) 6,152 12,912 6,816 2,079 4,020
Net Income Attributable to Parent($000) 6,152 12,912 6,816 2,079 4,020
ROAA 0.57 0.90 0.56 0.20 0.51
Core ROAA 0.55 0.61 0.57 0.29 0.50
ROAE 5.73 10.50 6.08 2.01 5.11
ROATCE 6.70 13.57 8.09 2.38 7.49
Core ROAE 5.50 7.05 6.25 2.94 5.04
Net Interest Margin 3.28 3.22 3.07 3.01 3.10
Reported: Net Interest Margin 3.29 3.22 3.07 3.01 2.99
Efficiency Ratio 84.06 80.60 82.85 88.04 84.58
Noninterest Inc/ Operating Rev 47.99 49.49 49.96 42.99 52.90
Balance Sheet Ratios (%)
Loans/ Deposits 93.93 95.11 101.96 96.97 89.44
Securities/ Assets 13.09 11.86 9.51 11.52 17.16
Total Equity/ Total Assets 10.12 10.26 8.29 9.86 9.53
Tangible Equity/ Tangible Assets 8.94 9.03 6.99 8.39 7.86
Tang Common Equity/ Tang Assets 8.40 7.86 5.79 6.89 6.99
Asset Quality (%)
NPAs/ Assets 0.87 0.88 1.17 1.20 0.57
NPA Excl Restructured/ Assets 0.45 0.44 0.68 0.36 0.08
NPAs & 90+ PD/ Assets 0.87 0.88 1.23 1.68 0.62
NPAs/ Loans & REO 1.10 1.09 1.43 1.54 0.79
Nonaccrual & 90+ & OREO/ Assets 0.45 0.44 0.74 0.83 0.12
NPAs & 90+ PD/ Loans & REO 1.10 1.09 1.50 2.15 0.85
NPA & Loans 90+/ Tangible Common Equity + LLR 9.71 10.49 19.57 22.86 8.37
NCOs/ Avg Loans 0.10 0.22 0.07 0.17 0.25
Loan Loss Reserves/ Gross Loans 0.81 0.80 0.71 0.72 0.69
Reserves/ NPAs 73.64 72.82 49.45 46.66 87.72
Loan Loss Provision/ NCO 135.04 143.22 351.13 199.54 161.31
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 124,983 114,642 82,494 77,824 NA
Tier 1 Capital($000) 136,941 135,100 102,952 98,158 79,342
Tier 2 Capital($000) 39,344 38,993 37,424 NA NA
Total Capital($000) 176,285 174,093 140,376 133,780 84,361
Total Risk-weighted Assets($000) 1,161,639 1,133,743 1,086,877 815,616 610,115
Tier 1 Common Capital (CET1) Ratio(%) 10.76 10.11 7.59 9.54 NA
Tier 1 Ratio(%) 11.79 11.92 9.47 12.03 13.03
Total Capital Ratio(%) 15.18 15.36 12.91 16.40 13.80
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.41 9.54 7.77 8.98 9.28
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 10,444,627 9,996,544 8,061,921 7,983,285 7,603,740
Avg Diluted Shares(actual) 10,288,534 10,068,733 8,140,116 8,102,117 6,939,028
Basic Book Value per Share 13.51 12.93 12.20 11.66 11.25
As-reported Book Value per Share 13.51 12.93 12.20 11.59 11.10
Basic Tangible Book Value per Share 11.68 11.01 9.81 9.44 8.91
Reported: Tangible Book Value 11.68 11.01 9.81 9.44 8.85
Common Dividends Declared per Share 0.08 0.08 0.08 0.08 0.08
EPS after Extra 0.56 1.31 0.77 0.22 0.57
EPS after Extra Growth(%) (48.10) 70.10 250 (61.40) (36.30)
Core EPS 0.54 0.89 0.79 0.34 0.56
Core EPS Growth(%) (17.60) 11.80 132 (39.20) (30)
Diluted EPS before Amortization 0.57 1.32 0.77 0.22 0.57
Pre-Provision Earnings per Share 0.59 1.09 0.94 0.46 0.68
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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