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 NA 498,767 NA 489,366 NA
Total Deposits 748,566 745,963 0.35 767,050 (9.64)
Equity Attributable to Parent Company 84,284 85,204 (1.08) 86,513 (10.31)
Total Equity 84,284 85,204 (1.08) 86,513 (10.31)
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 0.63 1 (37) bp 0.89 (26) bp
Core ROAA NA 1.02 NA 0.91 NA
ROAE 6.97 10.89 (392) bp 9.69 (272) bp
ROATCE NA 11.54 NA 10.27 NA
Core ROAE NA 11.02 NA 9.82 NA
Net Interest Margin 2.98 3.06 (8) bp 3.13 (15) bp
Reported: Net Interest Margin 2.98 2.90 8 bp 3.02 (4) bp
Efficiency Ratio 76.82 63.77 1,305 bp 66.47 1,035 bp
Noninterest Inc/ Operating Rev 39.54 39.31 23 bp 37.61 193 bp
Balance Sheet Ratios (%)
Loans/ Deposits 67.03 67.99 (96) bp 64.96 207 bp
Securities/ Assets NA 36.96 NA 37.83 NA
Total Equity/ Total Assets 8.92 8.94 (2) bp 9.11 (19) bp
Tangible Equity/ Tangible Assets NA 8.58 NA 8.76 NA
Tang Common Equity/ Tang Assets NA 8.58 NA 8.76 NA
Asset Quality (%)
NPAs/ Assets NA 0.50 NA 0.98 NA
NPA Excl Restructured/ Assets NA 0.45 NA 0.98 NA
NPAs & 90+ PD/ Assets NA 0.51 NA 0.99 NA
NPAs/ Loans & REO NA 0.94 NA 1.87 NA
Nonaccrual & 90+ & OREO/ Assets NA 0.46 NA 0.99 NA
NPAs & 90+ PD/ Loans & REO NA 0.96 NA 1.89 NA
NPA & Loans 90+/ Tangible Common Equity + LLR NA 5.41 NA 10.26 NA
NCOs/ Avg Loans NA 0.37 NA 0.03 NA
Loan Loss Reserves/ Gross Loans NA 1.70 NA 1.81 NA
Reserves/ NPAs NA 179.30 NA 96.83 NA
Loan Loss Provision/ NCO NA 31.98 NA NM NA
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 75,040 NA 79,670 NA
Tier 1 Capital($000) NA 85,040 NA 89,670 NA
Tier 2 Capital($000) NA 7,678 NA 7,704 NA
Total Capital($000) NA 92,718 NA 97,374 NA
Total Risk-weighted Assets($000) NA 613,323 NA 610,147 NA
Tier 1 Common Capital (CET1) Ratio(%) NA 12.24 NA 13.06 NA
Tier 1 Ratio(%) NA 13.87 NA 14.70 NA
Total Capital Ratio(%) NA 15.12 NA 15.96 NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA 9.38 NA 9.81 NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
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 27.30 27.61 (1.12) 28.02 (10.28)
As-reported Book Value per Share 27.30 25.50 7.06 26.95 5.19
Basic Tangible Book Value per Share NA 26.38 NA 26.83 NA
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 NA 0.75 NA 0.67 NA
Core EPS Growth(%) NA 2.80 NA (2.50) NA
Diluted EPS before Amortization NA 0.75 NA 0.67 NA
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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