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Financial Highlights

Select Period: Financial Charting
 2015 FQ2 YTD2014 FY2013 FY2012 FY2011 FY
Period Ended12/31/201112/31/201212/31/201312/31/20146/30/2015
Balance Sheet ($000)   
Total Assets 139,403169,658206,473210,358229,290
Total Net Loans 76,67893,400121,370153,740173,735
Total Deposits 115,573146,729183,365183,971199,253
Equity Attributable to Parent Company 15,09616,03916,36122,86723,709
Total Equity 15,09616,03916,36122,86723,709
Profitability (%)   
Net Income ($000)  6161,0181,1491,006825
Net Income Attributable to Parent ($000)  6161,0181,1491,006825
ROAA 0.520.690.620.480.75
Core ROAA 0.520.300.620.460.73
ROAE 4.316.487.085.217.05
ROATCE NA6.487.085.217.09
Core ROAE 4.312.837.035.016.82
Net Interest Margin 3.523.523.553.703.84
Reported: Net Interest Margin 3.513.533.553.70NA
Efficiency Ratio 72.7777.3868.3672.77NA
Noninterest Inc / Operating Rev 3.586.9611.888.028.72
Balance Sheet Ratios (%)   
Loans / Deposits 67.1364.5067.0583.69NA
Securities / Assets 28.8325.9421.4420.24NA
Total Equity / Total Assets 10.839.457.9210.8710.34
Tangible Equity / Tangible Assets 10.839.457.9210.8710.34
Tang Common Equity / Tang Assets 10.839.457.9210.8710.34
Asset Quality (%)   
NPAs / Assets 00.140.12NANA
NPA Excl Restructured / Assets 00.0600.08NA
NPAs & 90+ PD / Assets 00.140.12NANA
NPAs / Loans & REO 00.250.20NANA
Nonaccrual & 90+ & OREO / Assets 00.0600.08NA
NPAs & 90+ PD / Loans & REO 00.250.20NANA
NPA & Loans 90+ / Tangible Common Equity + LLR 01.341.34NANA
NCOs / Avg Loans (0.03)0.160.020.28NA
Loan Loss Reserves / Gross Loans 1.161.311.411.35NA
Reserves / NPAs NM535.78713.58NANA
Loan Loss Provision / NCO NM355.64NM195.04NA
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000)  NANA16,611NANA
Tier 1 Capital ($000)  14,39015,43716,611NANA
Tier 2 Capital ($000)  NANANANANA
Total Capital ($000)  15,29316,68018,286NANA
Total Risk-weighted Assets ($000)  89,704104,446133,883NANA
Tier 1 Common Capital (CET1) Ratio (%)  NANA12.41NANA
Tier 1 Ratio (%)  16.0414.7812.41NANA
Total Capital Ratio (%)  17.0515.9713.66NANA
Liquidity Coverage Ratio (%)  NANANANANA
Leverage Ratio (%)  10.619.678.41NANA
Supplementary Leverage Ratio (%)  NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual)  1,496,1061,496,1061,498,9371,941,6171,944,955
Avg Diluted Shares (actual)  1,496,1061,496,1061,518,6181,726,6621,976,425
Basic Book Value per Share 10.0910.7210.9211.7812.19
As-reported Book Value per Share 10.0910.7210.9211.7812.19
Basic Tangible Book Value per Share 10.0910.7210.9211.7812.19
Reported: Tangible Book Value 10.0910.7210.9211.7812.19
Common Dividends Declared per Share NANANANANA
EPS after Extra 0.410.680.760.580.42
EPS after Extra Growth (%)  NA65.9011.80(23.7)320.00
Core EPS 0.410.300.750.560.41
Core EPS Growth (%)  NA(27.5)153.70(26.1)306.30
Diluted EPS before Amortization 0.410.680.760.580.42
Pre-Provision Earnings per Share 0.490.520.970.83NA
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