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| Balance Sheet ($000)
| | | Total Assets | 2,381,271 | 1,854,335 | 1,269,870 | 970,503 | 802,342 | | Total Net Loans | 1,712,562 | 1,266,909 | 982,026 | 761,297 | 524,337 | | Total Deposits | 1,732,112 | 1,462,867 | 956,054 | 758,598 | 673,095 | | Equity Attributable to Parent Company | 163,830 | 153,942 | 104,330 | 96,785 | 90,908 | | Total Equity | 163,830 | 153,942 | 104,330 | 96,785 | 90,908 | | Profitability (%)
| | | Net Income
($000)
| 6,833 | 12,074 | 8,929 | 4,324 | 4,593 | | Net Income Attributable to Parent
($000)
| 6,833 | 12,074 | 8,929 | 4,324 | 4,593 | | ROAA | 0.67 | 0.74 | 0.81 | 0.50 | 0.67 | | Core ROAA | 0.67 | 0.73 | 0.81 | 0.46 | 0.70 | | ROAE | 8.65 | 9.74 | 8.89 | 4.61 | 7.10 | | ROATCE | 8.91 | 10.12 | 9.33 | 4.85 | 7.65 | | Core ROAE | 8.65 | 9.64 | 8.89 | 4.24 | 7.40 | | Net Interest Margin | 2.53 | 2.53 | 2.85 | 2.65 | 2.67 | | Reported: Net Interest Margin | 2.55 | 2.49 | 2.85 | 2.65 | 2.67 | | Efficiency Ratio | 58.45 | 57.92 | 61.91 | 78.11 | 74.89 | | Noninterest Inc /
Operating Rev | 16.61 | 25.94 | 24.80 | 22.94 | 35.56 | | Balance Sheet Ratios (%)
| | | Loans /
Deposits | 98.05 | 85.50 | 99.77 | 96.55 | 74.46 | | Securities /
Assets | 22.20 | 26.01 | 17.51 | 14.72 | 23.01 | | Total Equity /
Total Assets | 6.88 | 8.30 | 8.22 | 9.97 | 11.33 | | Tangible Equity /
Tangible Assets | 6.70 | 8.07 | 7.88 | 9.54 | 10.81 | | Tang Common Equity /
Tang Assets | 6.70 | 8.07 | 7.88 | 9.54 | 10.81 | | Asset Quality (%)
| | | NPAs /
Assets | NA | 0.35 | 0.46 | 0.61 | 1.05 | | NPA Excl Restructured /
Assets | NA | 0.31 | 0.37 | 0.50 | 0.89 | | NPAs & 90+ PD /
Assets | NA | 0.35 | 0.46 | 0.62 | 1.05 | | NPAs /
Loans & REO | NA | 0.50 | 0.59 | 0.77 | 1.57 | | Nonaccrual & 90+ & OREO /
Assets | NA | 0.31 | 0.37 | 0.50 | 0.90 | | NPAs & 90+ PD /
Loans & REO | NA | 0.50 | 0.59 | 0.78 | 1.58 | | NPA & Loans 90+ /
Tangible Common Equity + LLR | NA | 4.03 | 5.42 | 6.12 | 9.20 | | NCOs /
Avg Loans | 0.02 | 0.15 | (0.07) | 0 | 0.17 | | Loan Loss Reserves /
Gross Loans | 0.76 | 0.86 | 0.84 | 0.76 | 1.02 | | Reserves /
NPAs | NA | 170.04 | 142.63 | 97.81 | 64.49 | | Loan Loss Provision /
NCO | NM | 254.71 | NM | NM | 44.32 | | Capital Adequacy
()
| | | Tier 1 Common Capital (CET1)
($000)
| NA | 158,479 | 100,839 | 92,233 | 88,555 | | Tier 1 Capital
($000)
| NA | 158,479 | 100,839 | 92,233 | 88,555 | | Tier 2 Capital
($000)
| NA | 47,559 | 21,351 | NA | NA | | Total Capital
($000)
| NA | 206,038 | 122,190 | 101,033 | 96,981 | | Total Risk-weighted Assets
($000)
| NA | 1,373,000 | 997,364 | 734,708 | 567,321 | | Tier 1 Common Capital (CET1) Ratio
(%)
| 9.74 | 11.54 | 10.11 | 12.55 | 15.61 | | Tier 1 Ratio
(%)
| 9.74 | 11.54 | 10.11 | 12.55 | 15.61 | | Total Capital Ratio
(%)
| 12.68 | 15.01 | 12.25 | 13.75 | 17.09 | | Liquidity Coverage Ratio
(%)
| NA | NA | NA | NA | NA | | Leverage Ratio
(%)
| 7.50 | 8.65 | 8.28 | 9.87 | 11.66 | | Basel III Leverage Ratio
(%)
| NA | NA | NA | NA | NA | | Per Share Information ($)
| | | Common Shares Outstanding
(actual)
| 6,513,577 | 6,478,050 | 4,481,347 | 4,439,575 | 4,448,326 | | Avg Diluted Shares
(actual)
| 6,599,681 | 5,239,082 | 4,554,219 | 4,507,995 | 3,050,001 | | Basic Book Value per Share | 25.15 | 23.76 | 23.28 | 21.80 | 20.44 | | As-reported Book Value per Share | 25.15 | 23.76 | 23.28 | 21.80 | 20.44 | | Basic Tangible Book Value per Share | 24.43 | 23.04 | 22.24 | 20.74 | 19.38 | | Reported: Tangible Book Value | 24.43 | 23.04 | 22.24 | 20.74 | 19.38 | | Common Dividends Declared per Share | 0.12 | 0.24 | 0.24 | 0.24 | 0.22 | | EPS after Extra | 1.04 | 2.30 | 1.96 | 0.96 | 1.51 | | EPS after Extra Growth
(%)
| (5.5) | 17.30 | 104.20 | (36.4) | (22.6) | | Core EPS | 1.04 | 2.28 | 1.96 | 0.88 | 1.58 | | Core EPS Growth
(%)
| (3.3) | 16.20 | 122.10 | (44.0) | (24.5) | | Diluted EPS before Amortization | 1.04 | 2.30 | 1.96 | 0.96 | 1.51 | | Pre-Provision Earnings per Share | 1.16 | 2.74 | 2.23 | 0.90 | 1.45 |
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