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Financial Highlights

Select Period: Financial Charting
 2017 FY2016 FY2015 FY2014 FY2013 FY
Period Ended12/31/201712/31/201612/31/201512/31/201412/31/2013
Balance Sheet ($000)   
Total Assets2,767,6871,854,3351,269,870970,503802,342
Total Net Loans2,127,6301,266,909982,026761,297524,337
Total Deposits2,084,9411,462,867956,054758,598673,095
Equity Attributable to Parent Company224,127153,942104,33096,78590,908
Total Equity224,127153,942104,33096,78590,908
Profitability (%)   
Net Income ($000) 15,22612,0748,9294,3244,593
Net Income Attributable to Parent ($000) 15,22612,0748,9294,3244,593
ROAA0.660.740.810.500.67
Core ROAA0.660.730.810.460.70
ROAE8.549.748.894.617.10
ROATCE8.7710.129.334.857.65
Core ROAE8.559.648.894.247.40
Net Interest Margin2.572.552.872.652.67
Reported: Net Interest Margin2.572.552.872.652.67
Efficiency Ratio53.5457.5261.6978.0274.89
Noninterest Inc / Operating Rev16.3525.9424.8022.9435.56
Balance Sheet Ratios (%)   
Loans / Deposits100.3085.5099.7796.5574.46
Securities / Assets18.5026.0117.5114.7223.01
Total Equity / Total Assets8.108.308.229.9711.33
Tangible Equity / Tangible Assets7.948.077.889.5410.81
Tang Common Equity / Tang Assets7.948.077.889.5410.81
Asset Quality (%)   
NPAs / AssetsNA0.350.460.611.05
NPA Excl Restructured / AssetsNA0.310.370.500.89
NPAs & 90+ PD / AssetsNA0.350.460.621.05
NPAs / Loans & REONA0.500.590.771.57
Nonaccrual & 90+ & OREO / AssetsNA0.310.370.500.90
NPAs & 90+ PD / Loans & REONA0.500.590.781.58
NPA & Loans 90+ / Tangible Common Equity + LLRNA4.035.426.129.20
NCOs / Avg Loans0.050.15(0.07)00.17
Loan Loss Reserves / Gross Loans0.700.860.840.761.02
Reserves / NPAsNA170.04142.6397.8164.49
Loan Loss Provision / NCO551.76254.71NMNM44.32
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) NA158,479100,83992,23388,555
Tier 1 Capital ($000) NA158,479100,83992,23388,555
Tier 2 Capital ($000) NA47,55921,351NANA
Total Capital ($000) NA206,038122,190101,03396,981
Total Risk-weighted Assets ($000) NA1,373,000997,364734,708567,321
Tier 1 Common Capital (CET1) Ratio (%) 11.4311.5410.1112.5515.61
Tier 1 Ratio (%) 11.4311.5410.1112.5515.61
Total Capital Ratio (%) 14.0715.0112.2513.7517.09
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) 8.458.658.289.8711.66
Basel III Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 8,411,0776,478,0504,481,3474,439,5754,448,326
Avg Diluted Shares (actual) 7,149,3025,239,0824,554,2194,507,9953,050,001
Basic Book Value per Share26.6523.7623.2821.8020.44
As-reported Book Value per Share26.6523.7623.2821.8020.44
Basic Tangible Book Value per Share26.0923.0422.2420.7419.38
Reported: Tangible Book Value26.0923.0422.2420.7419.38
Common Dividends Declared per Share0.240.240.240.240.22
EPS after Extra2.132.301.960.961.51
EPS after Extra Growth (%) (7.4)17.30104.20(36.4)(22.6)
Core EPS2.132.281.960.881.58
Core EPS Growth (%) (6.5)16.20122.10(44.0)(24.5)
Diluted EPS before Amortization2.132.301.960.961.51
Pre-Provision Earnings per Share2.532.742.230.901.45
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