Financial Highlights Report
 2017 FQ1 YTD2016 FY2015 FY2014 FY2013 FY
Period Ended3/31/201712/31/201612/31/201512/31/201412/31/2013
Balance Sheet ($000)   
Total Assets440,848438,018405,124401,812389,166
Total Net Loans352,422354,380327,226313,354306,608
Total Deposits359,811338,803323,622322,681310,641
Equity Attributable to Parent Company43,11942,64141,49640,39038,871
Total Equity43,11942,64141,49640,39038,871
Profitability (%)   
Net Income ($000) 8503,5803,2242,6512,612
Net Income Attributable to Parent ($000) 8503,5803,2242,6512,612
ROAA0.780.850.790.660.63
Core ROAA0.780.850.790.670.50
ROAE7.898.408.416.677.02
ROATCE7.808.328.356.757.14
Core ROAE7.898.398.426.765.56
Net Interest Margin3.773.833.643.753.69
Reported: Net Interest Margin3.773.833.643.753.70
Efficiency Ratio72.8369.9170.0173.1578.08
Noninterest Inc / Operating Rev18.1718.9421.3320.6118.88
Balance Sheet Ratios (%)   
Loans / Deposits98.59105.29101.8797.8599.63
Securities / Assets9.7910.039.595.978.31
Total Equity / Total Assets9.789.7310.2410.059.99
Tangible Equity / Tangible Assets9.789.7310.2410.049.95
Tang Common Equity / Tang Assets9.789.7310.2410.049.95
Asset Quality (%)   
NPAs / AssetsNANANA0.522.21
NPA Excl Restructured / Assets0.480.390.350.521.31
NPAs & 90+ PD / AssetsNANANA0.552.25
NPAs / Loans & REONANANA0.662.75
Nonaccrual & 90+ & OREO / Assets0.520.440.380.551.35
NPAs & 90+ PD / Loans & REONANANA0.702.81
NPA & Loans 90+ / Tangible Common Equity + LLRNANANA5.2121.10
NCOs / Avg Loans0.040.120.160.440.35
Loan Loss Reserves / Gross Loans0.660.660.740.760.94
Reserves / NPAsNANANA114.3933.72
Loan Loss Provision / NCO75.7675.82107.1764.25117.63
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) NA42,08840,417NANA
Tier 1 Capital ($000) NA46,08844,41744,25942,868
Tier 2 Capital ($000) NA2,3412,437NANA
Total Capital ($000) NA48,42946,85446,66845,772
Total Risk-weighted Assets ($000) NA356,678320,770305,127303,577
Tier 1 Common Capital (CET1) Ratio (%) 13.0611.8012.60NANA
Tier 1 Ratio (%) 11.8812.9013.9014.5014.10
Total Capital Ratio (%) 13.7213.6014.7015.3015.10
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) 10.6511.0010.9011.0010.30
Basel III Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 5,419,5605,419,5605,379,5605,377,4545,362,808
Avg Diluted Shares (actual) 5,051,2255,016,3204,933,1564,924,2454,871,179
Basic Book Value per Share7.967.877.717.517.25
As-reported Book Value per Share8.698.638.568.348.03
Basic Tangible Book Value per Share7.967.877.717.507.21
Common Dividends Declared per Share0.110.470.420.330.29
Diluted EPS before Amortization0.170.710.650.550.55
Pre-Provision Earnings per Share0.160.700.650.570.43

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