Financial Highlights Report
 2016 FY2015 FY2014 FY2013 FY2012 FY
Period Ended12/31/201612/31/201512/31/201412/31/201312/31/2012
Balance Sheet ($000)   
Total Assets438,018405,124401,812389,166438,354
Total Net Loans354,380327,226313,354306,608293,774
Total Deposits338,803323,622322,681310,641350,416
Equity Attributable to Parent Company42,64141,49640,39038,87136,626
Total Equity42,64141,49640,39038,87136,626
Profitability (%)   
Net Income ($000) 3,5803,2242,6512,6122,398
Net Income Attributable to Parent ($000) 3,5803,2242,6512,6122,398
ROAA0.850.790.660.630.55
Core ROAA0.850.790.670.500.57
ROAE8.408.416.677.026.74
ROATCE8.328.356.757.146.82
Core ROAE8.398.426.765.566.96
Net Interest Margin3.833.643.753.693.72
Reported: Net Interest Margin3.833.643.753.703.72
Efficiency Ratio69.9170.0173.1578.0874.06
Noninterest Inc / Operating Rev18.9421.3320.6118.8816.77
Balance Sheet Ratios (%)   
Loans / Deposits105.29101.8797.8599.6384.61
Securities / Assets10.039.595.978.319.68
Total Equity / Total Assets9.7310.2410.059.998.36
Tangible Equity / Tangible Assets9.7310.2410.049.958.29
Tang Common Equity / Tang Assets9.7310.2410.049.958.29
Asset Quality (%)   
NPAs / AssetsNANA0.522.21NA
NPA Excl Restructured / Assets0.390.350.521.311.16
NPAs & 90+ PD / AssetsNANA0.552.25NA
NPAs / Loans & REONANA0.662.75NA
Nonaccrual & 90+ & OREO / Assets0.440.380.551.351.18
NPAs & 90+ PD / Loans & REONANA0.702.81NA
NPA & Loans 90+ / Tangible Common Equity + LLRNANA5.2121.10NA
NCOs / Avg Loans0.120.160.440.350.47
Loan Loss Reserves / Gross Loans0.660.740.760.940.91
Reserves / NPAsNANA114.3933.72NA
Loan Loss Provision / NCO75.82107.1764.25117.6384.12
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) 42,08840,417NANANA
Tier 1 Capital ($000) 46,08844,41744,25942,86841,396
Tier 2 Capital ($000) 2,3412,437NANANA
Total Capital ($000) 48,42946,85446,66845,77244,113
Total Risk-weighted Assets ($000) 356,678320,770305,127303,577295,873
Tier 1 Common Capital (CET1) Ratio (%) 11.8012.60NANANA
Tier 1 Ratio (%) 12.9013.9014.5014.1014.00
Total Capital Ratio (%) 13.6014.7015.3015.1014.90
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) 11.0010.9011.0010.309.60
Supplementary Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 5,419,5605,379,5605,377,4545,362,8085,372,808
Avg Diluted Shares (actual) 5,016,3204,933,1564,924,2454,871,1794,846,247
Basic Book Value per Share7.877.717.517.256.82
As-reported Book Value per Share8.638.568.348.037.61
Basic Tangible Book Value per Share7.877.717.507.216.76
Common Dividends Declared per Share0.470.420.330.290.42
Diluted EPS before Amortization0.710.650.550.550.50
Pre-Provision Earnings per Share0.700.650.570.430.53

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