Financial Highlights

Financial Highlights
2017 FQ4
12/31/2017
2016 FQ4
12/31/2016
Y-Y Ch (%)
2017 FQ3
9/30/2017
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 745,427 657,975 13.29 731,048 7.87
Total Net Loans 482,248 456,580 5.62 474,717 6.35
Total Deposits 662,657 582,353 13.79 649,850 7.88
Equity Attributable to Parent Company 55,700 47,994 16.06 55,556 1.04
Total Equity 55,700 47,994 16.06 55,556 1.04
Profitability (%)
Net Income($000) 1,136 2,107 (46.08) 2,448 (214.38)
Net Income Attributable to Parent($000) 1,136 2,107 (46.08) 2,448 (214.38)
ROAA 0.62 1.28 (66) bp 1.38 (76) bp
Core ROAA 0.67 1.28 (61) bp 1.38 (71) bp
ROAE 8.17 17.50 (933) bp 17.83 (966) bp
ROATCE 8.19 NA NA 17.86 (967) bp
Core ROAE 8.84 17.50 (866) bp 17.84 (900) bp
Net Interest Margin 4.28 4.18 10 bp 4.34 (6) bp
Reported: Net Interest Margin 4.28 4.18 10 bp 4.31 (3) bp
Efficiency Ratio 54.29 56.76 (247) bp 53.68 61 bp
Noninterest Inc/ Operating Rev 19.62 23.41 (379) bp 23.40 (378) bp
Balance Sheet Ratios (%)
Loans/ Deposits 73.49 79.09 (560) bp 73.82 (33) bp
Securities/ Assets NA 15.81 NA 16.31 NA
Total Equity/ Total Assets 7.47 7.29 18 bp 7.60 (13) bp
Tangible Equity/ Tangible Assets 7.46 7.28 18 bp 7.59 (13) bp
Tang Common Equity/ Tang Assets 7.46 7.28 18 bp 7.59 (13) bp
Asset Quality (%)
NPAs/ Assets NA 0.92 NA 0.90 NA
NPA Excl Restructured/ Assets 0.35 0.53 (18) bp 0.64 (29) bp
NPAs & 90+ PD/ Assets NA 0.92 NA 0.90 NA
NPAs/ Loans & REO NA 1.31 NA 1.36 NA
Nonaccrual & 90+ & OREO/ Assets 0.59 0.53 6 bp 0.64 (5) bp
NPAs & 90+ PD/ Loans & REO NA 1.31 NA 1.36 NA
NPA & Loans 90+/ Tangible Common Equity + LLR NA 11.15 NA 10.55 NA
NCOs/ Avg Loans 0.13 0.11 2 bp 0.20 (7) bp
Loan Loss Reserves/ Gross Loans 1.36 1.41 (5) bp 1.42 (6) bp
Loan Loss Provision/ NCO 0 156.25 (15,625) bp 85.84 (8,584) bp
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) 5,065,000 4,896,875 3.43 5,053,172 0.94
Avg Diluted Shares(actual) 5,200,000 5,115,000 1.66 5,192,000 0.62
Basic Book Value per Share 11 9.80 12.24 10.99 0.36
As-reported Book Value per Share NA 9.80 NA 10.99 NA
Basic Tangible Book Value per Share 10.98 9.78 12.27 10.98 0
Reported: Tangible Book Value 10.98 9.78 12.27 10.98 0
EPS after Extra 0.22 0.41 (46.34) 0.47 (212.77)
EPS after Extra Growth(%) (46.30) 24.20 (7,058) bp 20.50 (6,685) bp
Core EPS 0.24 0.41 (41.46) 0.47 (195.74)
Core EPS Growth(%) (41.90) 24.20 (6,619) bp 20.60 (6,251) bp
Diluted EPS before Amortization 0.22 NA NA 0.47 (212.77)
Pre-Provision Earnings per Share 0.53 0.46 15.22 0.52 7.69

   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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