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Financial Highlights

Financial Highlights
2017 FQ1
3/31/2017
2016 FQ1
3/31/2016
Y-Y Ch (%)
2016 FQ4
12/31/2016
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 630,032 603,926 4.32 624,445 3.58
Total Net Loans 451,166 445,088 1.37 458,608 (6.49)
Total Deposits 551,103 526,129 4.75 546,157 3.62
Equity Attributable to Parent Company 55,267 53,058 4.16 54,451 5.99
Total Equity 55,267 53,058 4.16 54,451 5.99
Profitability (%)
Net Income($000) 768 606 26.73 808 (19.80)
Net Income Attributable to Parent($000) 768 606 26.73 808 (19.80)
ROAA 0.50 0.41 9 bp 0.52 (2) bp
Core ROAA 0.50 0.41 9 bp 0.52 (2) bp
ROAE 5.60 4.56 104 bp 5.95 (35) bp
ROATCE 5.60 4.56 104 bp 5.95 (35) bp
Core ROAE 5.60 4.56 104 bp 5.95 (35) bp
Net Interest Margin 3.48 3.57 (9) bp 3.53 (5) bp
Reported: Net Interest Margin 3.52 3.59 (7) bp 3.50 2 bp
Efficiency Ratio 84.55 85.29 (74) bp 83.54 101 bp
Noninterest Inc/ Operating Rev 22.12 22.34 (22) bp 20.16 196 bp
Balance Sheet Ratios (%)
Loans/ Deposits 82.68 85.43 (275) bp 84.80 (212) bp
Securities/ Assets 9.24 9 24 bp 8.29 95 bp
Total Equity/ Total Assets 8.77 8.79 (2) bp 8.72 5 bp
Tangible Equity/ Tangible Assets 8.77 8.79 (2) bp 8.72 5 bp
Tang Common Equity/ Tang Assets 8.77 8.79 (2) bp 8.72 5 bp
Asset Quality (%)
NPAs/ Assets 1.45 1.44 1 bp 1.63 (18) bp
NPA Excl Restructured/ Assets 0.72 0.54 18 bp 0.78 (6) bp
NPAs & 90+ PD/ Assets 1.45 1.44 1 bp 1.68 (23) bp
NPAs/ Loans & REO 1.99 1.93 6 bp 2.19 (20) bp
Nonaccrual & 90+ & OREO/ Assets 0.72 0.54 18 bp 0.83 (11) bp
NPAs & 90+ PD/ Loans & REO 1.99 1.93 6 bp 2.26 (27) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 15.24 15.13 11 bp 17.81 (257) bp
NCOs/ Avg Loans 0.09 0.02 7 bp (0.09) 18 bp
Loan Loss Reserves/ Gross Loans 0.98 0.97 1 bp 0.98 0 bp
Reserves/ NPAs 49.18 50.35 (117) bp 44.43 475 bp
Loan Loss Provision/ NCO 51.02 NM NM NM 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) 3,769,201 3,761,438 0.21 3,753,919 1.63
Avg Diluted Shares(actual) 3,768,676 3,763,588 0.14 3,763,002 0.60
Basic Book Value per Share 14.66 14.11 3.90 14.51 4.14
As-reported Book Value per Share 14.66 14.11 3.90 14.51 4.14
Basic Tangible Book Value per Share 14.66 14.11 3.90 14.51 4.14
Reported: Tangible Book Value 14.66 14.11 3.90 14.51 4.14
Common Dividends Declared per Share 0.12 0.12 0 0.12 0
EPS after Extra 0.20 0.16 25 0.22 (36.36)
EPS after Extra Growth(%) 25 (20) 4,500 bp NM NM
Core EPS 0.20 0.16 25 0.22 (36.36)
Core EPS Growth(%) 25 (20) 4,500 bp NM NM
Diluted EPS before Amortization 0.20 0.16 25 0.22 (36.36)
Pre-Provision Earnings per Share 0.16 0.15 6.67 0.18 (44.44)

   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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