Financial Highlights

Financial Highlights
2017 FQ3
9/30/2017
2016 FQ3
9/30/2016
Y-Y Ch (%)
2017 FQ2
6/30/2017
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 944,766 952,608 (0.82) 949,278 (1.90)
Total Net Loans 492,575 498,767 (1.24) 489,366 2.62
Total Deposits 748,566 745,963 0.35 767,050 (9.64)
Equity Attributable to Parent Company 87,148 85,204 2.28 86,513 2.94
Total Equity 87,148 85,204 2.28 86,513 2.94
Profitability (%)
Net Income($000) 1,489 2,286 (34.86) 2,052 (109.75)
Net Income Attributable to Parent($000) 1,489 2,286 (34.86) 2,052 (109.75)
ROAA 0.64 1 (36) bp 0.89 (25) bp
Core ROAA 0.66 1.02 (36) bp 0.91 (25) bp
ROAE 6.86 10.89 (403) bp 9.69 (283) bp
ROATCE 7.29 11.54 (425) bp 10.27 (298) bp
Core ROAE 7.05 11.02 (397) bp 9.82 (277) bp
Net Interest Margin 3.10 3.06 4 bp 3.13 (3) bp
Reported: Net Interest Margin 2.98 2.90 8 bp 3.02 (4) bp
Efficiency Ratio 75.12 63.77 1,135 bp 66.47 865 bp
Noninterest Inc/ Operating Rev 39.66 39.31 35 bp 37.61 205 bp
Balance Sheet Ratios (%)
Loans/ Deposits 67.03 67.99 (96) bp 64.96 207 bp
Securities/ Assets 38.38 36.96 142 bp 37.83 55 bp
Total Equity/ Total Assets 9.22 8.94 28 bp 9.11 11 bp
Tangible Equity/ Tangible Assets 8.87 8.58 29 bp 8.76 11 bp
Tang Common Equity/ Tang Assets 8.87 8.58 29 bp 8.76 11 bp
Asset Quality (%)
NPAs/ Assets 1.04 0.50 54 bp 0.98 6 bp
NPA Excl Restructured/ Assets 0.98 0.45 53 bp 0.98 0 bp
NPAs & 90+ PD/ Assets 1.05 0.51 54 bp 0.99 6 bp
NPAs/ Loans & REO 1.95 0.94 101 bp 1.87 8 bp
Nonaccrual & 90+ & OREO/ Assets 1 0.46 54 bp 0.99 1 bp
NPAs & 90+ PD/ Loans & REO 1.97 0.96 101 bp 1.89 8 bp
NPA & Loans 90+/ Tangible Common Equity + LLR 10.70 5.41 529 bp 10.26 44 bp
NCOs/ Avg Loans 0.14 0.37 (23) bp 0.03 11 bp
Loan Loss Reserves/ Gross Loans 1.85 1.70 15 bp 1.81 4 bp
Reserves/ NPAs 94.60 179.30 (8,470) bp 96.83 (223) bp
Loan Loss Provision/ NCO 223.46 31.98 19,148 bp NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 80,768 75,040 7.63 79,670 5.51
Tier 1 Capital($000) 90,768 85,040 6.74 89,670 4.90
Tier 2 Capital($000) 7,829 7,678 1.97 7,704 6.49
Total Capital($000) 98,597 92,718 6.34 97,374 5.02
Total Risk-weighted Assets($000) 625,255 613,323 625,255 610,147 625,255
Tier 1 Common Capital (CET1) Ratio(%) 12.92 12.24 68 bp 13.06 (14) bp
Tier 1 Ratio(%) 14.52 13.87 65 bp 14.70 (18) bp
Total Capital Ratio(%) 15.77 15.12 65 bp 15.96 (19) bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.85 9.38 47 bp 9.81 4 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 3,087,488 3,085,986 0.05 3,087,488 0
Avg Diluted Shares(actual) 3,087,488 3,085,986 0.05 3,086,737 0.10
Basic Book Value per Share 28.23 27.61 2.25 28.02 3
As-reported Book Value per Share 27.30 25.50 7.06 26.95 5.19
Basic Tangible Book Value per Share 27.05 26.38 2.54 26.83 3.28
Reported: Tangible Book Value NA NA NA NA NA
Common Dividends Declared per Share 0.14 0.13 7.69 0.14 0
EPS after Extra 0.48 0.74 (35.14) 0.66 (109.09)
EPS after Extra Growth(%) (35.10) 0 (3,514) bp (15.40) (1,976) bp
Core EPS 0.49 0.75 (34.67) 0.67 (107.46)
Core EPS Growth(%) (34.20) 2.80 (3,691) bp (2.50) (3,166) bp
Diluted EPS before Amortization 0.49 0.75 (34.67) 0.67 (107.46)
Pre-Provision Earnings per Share 0.53 0.75 (29.33) 0.71 (101.41)

   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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