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Financial Highlights

Select Period: Financial Charting
 2016 FY2015 FY2014 FY2013 FY2012 FY
Period Ended12/31/201612/31/201512/31/201412/31/201312/31/2012
Balance Sheet ($000)   
Total Assets1,854,3351,269,870970,503802,342636,367
Total Net Loans1,266,909982,026761,297524,337415,562
Total Deposits1,462,867956,054758,598673,095530,691
Equity Attributable to Parent Company153,942104,33096,78590,90861,350
Total Equity153,942104,33096,78590,90861,350
Profitability (%)   
Net Income ($000) 12,0748,9294,3244,5935,606
Net Income Attributable to Parent ($000) 12,0748,9294,3244,5935,606
ROAA0.740.810.500.670.91
Core ROAA0.730.810.460.700.98
ROAE9.748.894.617.109.51
ROATCE10.129.334.857.6510.33
Core ROAE9.648.894.247.4010.18
Net Interest Margin2.492.852.652.672.67
Reported: Net Interest Margin2.492.852.652.672.67
Efficiency Ratio58.6961.9178.1174.8959.38
Noninterest Inc / Operating Rev25.9424.8022.9435.5642.33
Balance Sheet Ratios (%)   
Loans / Deposits85.5099.7796.5574.4667.49
Securities / Assets26.0117.5114.7223.0125.09
Total Equity / Total Assets8.308.229.9711.339.64
Tangible Equity / Tangible Assets8.077.889.5410.818.97
Tang Common Equity / Tang Assets8.077.889.5410.818.97
Asset Quality (%)   
NPAs / AssetsNA0.460.611.051.77
NPA Excl Restructured / AssetsNA0.370.500.891.54
NPAs & 90+ PD / AssetsNA0.460.621.051.84
NPAs / Loans & REONA0.590.771.572.63
Nonaccrual & 90+ & OREO / AssetsNA0.370.500.901.62
NPAs & 90+ PD / Loans & REONA0.590.781.582.74
NPA & Loans 90+ / Tangible Common Equity + LLRNA5.426.129.2018.73
NCOs / Avg Loans0.15(0.07)00.170.69
Loan Loss Reserves / Gross Loans0.860.840.761.021.38
Reserves / NPAsNA142.6397.8164.4951.91
Loan Loss Provision / NCO254.71NMNM44.32106.62
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) NA100,83992,23388,55554,844
Tier 1 Capital ($000) NA100,83992,23388,55554,844
Tier 2 Capital ($000) NA21,351NANANA
Total Capital ($000) NA122,190101,03396,98160,489
Total Risk-weighted Assets ($000) NA997,364734,708567,321449,500
Tier 1 Common Capital (CET1) Ratio (%) 11.5410.1112.5515.6112.20
Tier 1 Ratio (%) 11.5410.1112.5515.6112.20
Total Capital Ratio (%) 15.0112.2513.7517.0913.46
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) 8.658.289.8711.668.89
Supplementary Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 6,478,0504,481,3474,439,5754,448,3262,815,094
Avg Diluted Shares (actual) 5,239,0824,554,2194,507,9953,050,0012,869,365
Basic Book Value per Share23.7623.2821.8020.4421.79
As-reported Book Value per Share23.7623.2821.8020.4421.79
Basic Tangible Book Value per Share23.0422.2420.7419.3820.13
Reported: Tangible Book Value23.0422.2420.7419.3820.13
Common Dividends Declared per Share0.240.240.240.220.17
EPS after Extra2.301.960.961.511.95
EPS after Extra Growth (%) 17.30104.20(36.4)(22.6)75.10
Core EPS2.281.960.881.582.09
Core EPS Growth (%) 16.20122.10(44.0)(24.5)68.80
Diluted EPS before Amortization2.301.960.961.511.95
Pre-Provision Earnings per Share2.742.230.901.452.54
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