Financial Highlights

Financial Highlights
2017 FQ2 YTD
6/30/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
2013 FY
12/31/2013
Balance Sheet ($000)
Total Assets 1,088,996 1,087,866 1,050,076 960,796 948,681
Total Net Loans 743,582 745,093 703,987 647,701 654,911
Total Deposits 863,490 860,997 803,580 729,347 711,640
Equity Attributable to Parent Company 126,809 122,146 117,878 112,884 104,755
Total Equity 126,934 122,271 118,003 113,009 104,880
Profitability (%)
Net Income($000) 4,613 10,188 9,501 9,309 7,405
Net Income Attributable to Parent($000) 4,613 10,188 9,501 9,309 7,405
ROAA 0.85 0.94 0.91 0.97 0.79
Core ROAA 0.89 0.93 0.91 0.97 0.81
ROAE 7.41 8.34 8.24 8.56 7.05
ROATCE 8.84 9.60 9.52 9.90 8.44
Core ROAE 7.72 8.29 8.22 8.56 7.27
Net Interest Margin 3.41 3.31 3.35 3.52 3.47
Reported: Net Interest Margin NA 3.31 3.35 3.52 3.47
Efficiency Ratio 66.55 68.02 68.79 66.88 65.29
Noninterest Inc/ Operating Rev 21.27 22.66 20.05 18.68 20.29
Balance Sheet Ratios (%)
Loans/ Deposits 87.13 87.54 88.63 90.10 93.36
Securities/ Assets 20.44 20.01 21.68 20.48 20.10
Total Equity/ Total Assets 11.66 11.24 11.24 11.76 11.06
Tangible Equity/ Tangible Assets 10.40 9.97 9.91 10.47 9.72
Tang Common Equity/ Tang Assets 10.38 9.96 9.90 10.46 9.71
Asset Quality (%)
NPAs/ Assets 0.57 0.57 0.73 0.90 1.31
NPA Excl Restructured/ Assets 0.44 0.38 0.54 0.64 0.98
NPAs & 90+ PD/ Assets 0.57 0.57 0.73 0.90 1.31
NPAs/ Loans & REO 0.82 0.81 1.07 1.31 1.87
Nonaccrual & 90+ & OREO/ Assets 0.44 0.38 0.54 0.64 0.98
NPAs & 90+ PD/ Loans & REO 0.82 0.81 1.07 1.31 1.87
NPA & Loans 90+/ Tangible Common Equity + LLR 5.08 5.25 6.83 7.89 12.35
NCOs/ Avg Loans 0.05 0.06 0.07 0.16 0.60
Loan Loss Reserves/ Gross Loans 1.41 1.38 1.40 1.53 1.49
Reserves/ NPAs 171.56 168.81 130.17 116.89 79.93
Loan Loss Provision/ NCO 233.16 196.80 86.67 110.91 65.47
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 110,605 107,773 101,142 96,334 89,453
Tier 1 Capital($000) 120,730 117,898 111,267 106,334 99,453
Tier 2 Capital($000) 10,458 10,399 10,001 NA NA
Total Capital($000) 131,188 128,297 121,268 115,304 108,488
Total Risk-weighted Assets($000) 836,448 842,364 821,679 716,155 721,468
Tier 1 Common Capital (CET1) Ratio(%) 13.22 12.79 12.31 13.45 12.40
Tier 1 Ratio(%) 14.43 13.99 13.54 14.85 13.78
Total Capital Ratio(%) 15.68 15.22 14.76 16.10 15.04
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.26 10.68 10.60 11.06 10.66
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 4,082,479 4,079,030 4,083,442 4,096,639 4,055,599
Avg Diluted Shares(actual) 4,081,942 4,082,313 4,091,337 4,067,221 4,099,274
Basic Book Value per Share 31.06 29.94 28.87 27.56 25.83
As-reported Book Value per Share NA 29.94 28.87 27.56 25.83
Basic Tangible Book Value per Share 27.31 26.18 25.08 24.17 22.38
Reported: Tangible Book Value NA 26.25 25.16 24.17 22.39
Common Dividends Declared per Share 0.44 0.87 0.84 0.84 0.83
EPS after Extra 1.13 2.50 2.32 2.29 1.81
EPS after Extra Growth(%) (7.90) 7.80 1.30 26.50 (17)
Core EPS 1.18 2.48 2.32 2.29 1.87
Core EPS Growth(%) (3.20) 7.20 1 22.40 (15.60)
Diluted EPS before Amortization 1.21 2.52 2.34 2.33 1.92
Pre-Provision Earnings per Share 1.01 2.13 1.89 1.99 1.80
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