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Financial Highlights

Financial Highlights
2017 FQ3
9/30/2017
2016 FQ3
9/30/2016
Y-Y Ch (%)
2017 FQ2
6/30/2017
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 631,717 623,877 1.26 646,265 (9)
Total Net Loans 485,766 452,874 7.26 463,309 19.39
Total Deposits 556,209 545,402 1.98 571,902 (10.98)
Equity Attributable to Parent Company 57,185 54,258 5.39 56,259 6.58
Total Equity 57,185 54,258 5.39 56,259 6.58
Profitability (%)
Net Income($000) 1,281 698 83.52 990 117.58
Net Income Attributable to Parent($000) 1,281 698 83.52 990 117.58
ROAA 0.81 0.45 36 bp 0.63 18 bp
Core ROAA 0.81 0.45 36 bp 0.63 18 bp
ROAE 9.03 5.14 389 bp 7.08 195 bp
ROATCE 9.03 5.14 389 bp 7.08 195 bp
Core ROAE 9.03 5.13 390 bp 7.08 195 bp
Net Interest Margin 3.77 3.47 30 bp 3.59 18 bp
Reported: Net Interest Margin 3.75 3.45 30 bp 3.60 15 bp
Efficiency Ratio 73.13 79.52 (639) bp 77.23 (410) bp
Noninterest Inc/ Operating Rev 19.04 20.62 (158) bp 21.12 (208) bp
Balance Sheet Ratios (%)
Loans/ Deposits 88.05 83.84 421 bp 81.76 629 bp
Securities/ Assets 10.87 7.69 318 bp 10.14 73 bp
Total Equity/ Total Assets 9.05 8.70 35 bp 8.71 34 bp
Tangible Equity/ Tangible Assets 9.05 8.70 35 bp 8.71 34 bp
Tang Common Equity/ Tang Assets 9.05 8.70 35 bp 8.71 34 bp
Asset Quality (%)
NPAs/ Assets 1.29 1.59 (30) bp 1.27 2 bp
NPA Excl Restructured/ Assets 0.60 0.73 (13) bp 0.57 3 bp
NPAs & 90+ PD/ Assets 1.38 1.59 (21) bp 1.28 10 bp
NPAs/ Loans & REO 1.66 2.16 (50) bp 1.75 (9) bp
Nonaccrual & 90+ & OREO/ Assets 0.69 0.73 (4) bp 0.59 10 bp
NPAs & 90+ PD/ Loans & REO 1.77 2.16 (39) bp 1.77 0 bp
NPA & Loans 90+/ Tangible Common Equity + LLR 14.14 16.91 (277) bp 13.69 45 bp
NCOs/ Avg Loans (0.03) 0.53 (56) bp 0.38 (41) bp
Loan Loss Reserves/ Gross Loans 0.90 0.97 (7) bp 0.92 (2) bp
Reserves/ NPAs 54.34 44.51 983 bp 52.28 206 bp
Loan Loss Provision/ NCO NM 69.79 NM 54.27 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA NA NA NA NA
Tier 1 Capital($000) NA NA NA NA NA
Tier 2 Capital($000) NA NA NA NA NA
Total Capital($000) NA NA NA NA NA
Total Risk-weighted Assets($000) NA NA NA NA NA
Tier 1 Common Capital (CET1) Ratio(%) NA NA NA NA NA
Tier 1 Ratio(%) NA NA NA NA NA
Total Capital Ratio(%) NA NA NA NA NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA NA NA NA NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 3,762,677 3,753,486 0.24 3,769,201 (0.69)
Avg Diluted Shares(actual) 3,773,813 3,764,644 0.24 3,778,532 (0.50)
Basic Book Value per Share 15.20 14.46 5.12 14.93 7.23
As-reported Book Value per Share 15.20 14.46 5.12 14.93 7.23
Basic Tangible Book Value per Share 15.20 14.46 5.12 14.93 7.23
Reported: Tangible Book Value 15.20 14.46 5.12 14.93 7.23
Common Dividends Declared per Share 0.12 0.12 0 0.12 0
EPS after Extra 0.34 0.19 78.95 0.26 123.08
EPS after Extra Growth(%) 78.90 (47.20) 12,617 bp (38.10) 11,705 bp
Core EPS 0.34 0.19 78.95 0.26 123.08
Core EPS Growth(%) 79.20 (33.30) 11,247 bp (38.10) 11,730 bp
Diluted EPS before Amortization 0.34 0.19 78.95 0.26 123.08
Pre-Provision Earnings per Share 0.31 0.22 40.91 0.25 96

   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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