Financial Highlights Report

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 454,511 438,018 405,124 401,812 389,166
Total Net Loans 358,194 354,380 327,226 313,354 306,608
Total Deposits 380,851 338,803 323,622 322,681 310,641
Equity Attributable to Parent Company 44,116 42,641 41,496 40,390 38,871
Total Equity 44,116 42,641 41,496 40,390 38,871
Profitability (%)
Net Income($000) 2,766 3,580 3,224 2,651 2,612
Net Income Attributable to Parent($000) 2,766 3,580 3,224 2,651 2,612
ROAA 0.83 0.85 0.79 0.66 0.63
Core ROAA 0.83 0.85 0.79 0.67 0.50
ROAE 8.36 8.40 8.41 6.67 7.02
ROATCE 8.28 8.32 8.35 6.75 7.14
Core ROAE 8.36 8.39 8.42 6.76 5.56
Net Interest Margin 3.80 3.83 3.64 3.75 3.69
Reported: Net Interest Margin 3.80 3.83 3.64 3.75 3.70
Efficiency Ratio 70.88 69.91 70.01 73.15 78.08
Noninterest Inc/ Operating Rev 18.10 18.94 21.33 20.61 18.88
Balance Sheet Ratios (%)
Loans/ Deposits 94.63 105.29 101.87 97.85 99.63
Securities/ Assets 9.53 10.03 9.59 5.97 8.31
Total Equity/ Total Assets 9.71 9.73 10.24 10.05 9.99
Tangible Equity/ Tangible Assets 9.71 9.73 10.24 10.04 9.95
Tang Common Equity/ Tang Assets 9.71 9.73 10.24 10.04 9.95
Asset Quality (%)
NPAs/ Assets NA NA NA 0.52 2.21
NPA Excl Restructured/ Assets 0.38 0.39 0.35 0.52 1.31
NPAs & 90+ PD/ Assets NA NA NA 0.55 2.25
NPAs/ Loans & REO NA NA NA 0.66 2.75
Nonaccrual & 90+ & OREO/ Assets 0.38 0.44 0.38 0.55 1.35
NPAs & 90+ PD/ Loans & REO NA NA NA 0.70 2.81
NPA & Loans 90+/ Tangible Common Equity + LLR NA NA NA 5.21 21.10
NCOs/ Avg Loans 0.08 0.12 0.16 0.44 0.35
Loan Loss Reserves/ Gross Loans 0.61 0.66 0.74 0.76 0.94
Reserves/ NPAs NA NA NA 114.39 33.72
Loan Loss Provision/ NCO 33.94 75.82 107.17 64.25 117.63
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 42,088 40,417 NA NA
Tier 1 Capital($000) NA 46,088 44,417 44,259 42,868
Tier 2 Capital($000) NA 2,341 2,437 NA NA
Total Capital($000) NA 48,429 46,854 46,668 45,772
Total Risk-weighted Assets($000) NA 356,678 320,770 305,127 303,577
Tier 1 Common Capital (CET1) Ratio(%) 11.96 11.80 12.60 NA NA
Tier 1 Ratio(%) 13.07 12.90 13.90 14.50 14.10
Total Capital Ratio(%) 13.67 13.60 14.70 15.30 15.10
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.65 11 10.90 11 10.30
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 5,429,560 5,419,560 5,379,560 5,377,454 5,362,808
Avg Diluted Shares(actual) 4,983,395 5,016,320 4,933,156 4,924,245 4,871,179
Basic Book Value per Share 8.13 7.87 7.71 7.51 7.25
As-reported Book Value per Share 9.02 8.63 8.56 8.34 8.03
Basic Tangible Book Value per Share 8.13 7.87 7.71 7.50 7.21
Common Dividends Declared per Share 0.34 0.47 0.42 0.33 0.29
Diluted EPS before Amortization 0.55 0.71 0.65 0.55 0.55
Pre-Provision Earnings per Share 0.54 0.70 0.65 0.57 0.43
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.