Financial Highlights
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Select Period: Financial Charting
 2013 FY2014 FY2015 FY2016 FY2017 FQ2 YTD
Period Ended12/31/201312/31/201412/31/201512/31/20166/30/2017
Balance Sheet ($000)   
Total Assets733,026760,040782,853795,823801,388
Total Net Loans446,069521,108576,816604,183611,041
Total Deposits572,786603,379630,904647,623677,447
Equity Attributable to Parent Company101,08894,39789,68291,13796,267
Total Equity101,08894,39789,68291,13796,267
Profitability (%)   
Net Income ($000) 1,4542,4893,5751,2182,986
Net Income Attributable to Parent ($000) 1,4542,4893,5751,2182,986
ROAA0.190.330.460.150.75
Core ROAA0.160.310.410.670.83
ROAE1.372.513.711.326.34
ROATCE1.372.513.711.326.34
Core ROAE1.142.383.325.767.01
Net Interest Margin2.662.822.943.163.33
Reported: Net Interest Margin2.722.873.003.233.42
Efficiency Ratio88.1488.5580.5872.3468.61
Noninterest Inc / Operating Rev26.7023.3024.0923.7322.48
Balance Sheet Ratios (%)   
Loans / Deposits78.4386.4891.3193.2090.58
Securities / Assets26.2919.5218.4213.3712.62
Total Equity / Total Assets13.7912.4211.4611.4512.01
Tangible Equity / Tangible Assets13.7912.4211.4611.4512.01
Tang Common Equity / Tang Assets13.7912.4211.4611.4512.01
Asset Quality (%)   
NPAs / Assets2.832.151.641.360.91
NPA Excl Restructured / Assets2.111.521.060.790.71
NPAs & 90+ PD / Assets2.832.151.641.360.91
NPAs / Loans & REO4.433.052.181.761.17
Nonaccrual & 90+ & OREO / Assets2.111.521.060.790.71
NPAs & 90+ PD / Loans & REO4.433.052.181.761.17
NPA & Loans 90+ / Tangible Common Equity + LLR19.1216.2913.3511.077.09
NCOs / Avg Loans0.120.0800.050.01
Loan Loss Reserves / Gross Loans1.611.131.081.071.08
Reserves / NPAs35.2536.4049.0860.5191.28
Loan Loss Provision / NCO(129.71)NMNM187.03NM
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) 107,275100,19994,74392,99697,149
Tier 1 Capital ($000) 107,275100,19994,74392,99697,149
Tier 2 Capital ($000) NANA6,2896,5446,659
Total Capital ($000) 112,852106,149101,03299,540103,808
Total Risk-weighted Assets ($000) 444,405505,252568,685598,430600,798
Tier 1 Common Capital (CET1) Ratio (%) 24.1419.8316.6615.5416.17
Tier 1 Ratio (%) 24.1419.8316.6615.5416.17
Total Capital Ratio (%) 25.3921.0117.7716.6317.28
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) 14.3513.1711.8711.5812.15
Basel III Leverage Ratio (%) NANANANANA
Pre-Provision Earnings per Share0.140.390.861.500.86
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