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Financial Highlights

Financial Highlights
2016 FQ4
12/31/2016
2015 FQ4
12/31/2015
Y-Y Ch (%)
2016 FQ3
9/30/2016
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 624,445 601,400 3.83 623,877 0.36
Total Net Loans 458,608 442,669 3.60 452,874 5.06
Total Deposits 546,157 524,294 4.17 545,402 0.55
Equity Attributable to Parent Company 54,451 52,633 3.45 54,258 1.42
Total Equity 54,451 52,633 3.45 54,258 1.42
Profitability (%)
Net Income($000) 808 (3,750) NM 698 63.04
Net Income Attributable to Parent($000) 808 (3,750) NM 698 63.04
ROAA 0.52 (2.51) 303 bp 0.45 7 bp
Core ROAA 0.52 (2.51) 303 bp 0.45 7 bp
ROAE 5.95 (27.34) 3,329 bp 5.14 81 bp
ROATCE 5.95 (27.34) 3,329 bp 5.14 81 bp
Core ROAE 5.95 (27.35) 3,330 bp 5.13 82 bp
Net Interest Margin 3.50 3.63 (13) bp 3.47 3 bp
Reported: Net Interest Margin 3.50 3.59 (9) bp 3.45 5 bp
Efficiency Ratio 84.19 69.53 1,466 bp 79.52 467 bp
Noninterest Inc/ Operating Rev 20.16 23.81 (365) bp 20.62 (46) bp
Balance Sheet Ratios (%)
Loans/ Deposits 84.80 85.23 (43) bp 83.84 96 bp
Securities/ Assets 8.29 9.40 (111) bp 7.69 60 bp
Total Equity/ Total Assets 8.72 8.75 (3) bp 8.70 2 bp
Tangible Equity/ Tangible Assets 8.72 8.75 (3) bp 8.70 2 bp
Tang Common Equity/ Tang Assets 8.72 8.75 (3) bp 8.70 2 bp
Asset Quality (%)
NPAs/ Assets 1.63 1.45 18 bp 1.59 4 bp
NPA Excl Restructured/ Assets 0.78 0.53 25 bp 0.73 5 bp
NPAs & 90+ PD/ Assets 1.68 1.45 23 bp 1.59 9 bp
NPAs/ Loans & REO 2.19 1.94 25 bp 2.16 3 bp
Nonaccrual & 90+ & OREO/ Assets 0.83 0.53 30 bp 0.73 10 bp
NPAs & 90+ PD/ Loans & REO 2.26 1.94 32 bp 2.16 10 bp
NPA & Loans 90+/ Tangible Common Equity + LLR 17.82 15.31 251 bp 16.91 91 bp
NCOs/ Avg Loans (0.09) 7.35 (744) bp 0.53 (62) bp
Loan Loss Reserves/ Gross Loans 0.98 0.94 4 bp 0.97 1 bp
Reserves/ NPAs 44.44 48.20 (376) bp 44.51 (7) bp
Loan Loss Provision/ NCO NM 93.05 NM 69.79 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($000) NA NA NA NA NA
Tier 1 Common Capital (CET1) Ratio(%) NA NA NA NA NA
Tier 1 Ratio(%) NA NA NA NA NA
Total Capital Ratio(%) NA NA NA NA NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA NA NA NA NA
Supplementary Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 3,752,653 3,744,562 0.22 3,753,486 (0.09)
Avg Diluted Shares(actual) 3,763,002 3,744,562 0.49 3,764,644 (0.17)
Basic Book Value per Share 14.51 14.06 3.20 14.46 1.38
As-reported Book Value per Share 14.51 14.06 3.20 14.46 1.38
Basic Tangible Book Value per Share 14.51 14.06 3.20 14.46 1.38
Reported: Tangible Book Value 14.51 14.06 3.20 14.46 1.38
Common Dividends Declared per Share 0.12 0.12 0 0.12 0
EPS after Extra 0.22 (1) NM 0.19 63.16
EPS after Extra Growth(%) NM NM NM (47.20) NM
Core EPS 0.22 (1) NM 0.19 63.16
Core EPS Growth(%) NM NM NM (33.30) NM
Diluted EPS before Amortization 0.22 (1) NM 0.19 63.16
Pre-Provision Earnings per Share 0.18 0.34 (47.06) 0.22 (72.73)

   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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