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Financial Highlights

Select Period: Financial Charting
 2016 FQ3 YTD2015 FY2014 FY2013 FY2012 FY
Period Ended12/31/201212/31/201312/31/201412/31/20159/30/2016
Balance Sheet ($000)   
Total Assets 169,658206,473210,358244,044289,964
Total Net Loans 93,400121,370153,740189,798226,293
Total Deposits 146,729183,365183,971217,573261,156
Equity Attributable to Parent Company 16,03916,36122,86724,93326,841
Total Equity 16,03916,36122,86724,93326,841
Profitability (%)   
Net Income ($000)  1,0181,1491,0061,7041,574
Net Income Attributable to Parent ($000)  1,0181,1491,0061,7041,574
ROAA 0.690.620.480.740.78
Core ROAA 0.300.620.460.710.75
ROAE 6.487.085.217.168.13
ROATCE 6.487.085.217.168.13
Core ROAE 2.837.035.016.907.78
Net Interest Margin 3.523.553.693.873.76
Reported: Net Interest Margin 3.533.553.703.873.76
Efficiency Ratio 77.3868.3672.7769.7767.17
Noninterest Inc / Operating Rev 6.9611.888.0210.2112.61
Balance Sheet Ratios (%)   
Loans / Deposits 64.5067.0583.6987.1286.40
Securities / Assets 25.9421.4420.2415.6711.36
Total Equity / Total Assets 9.457.9210.8710.229.26
Tangible Equity / Tangible Assets 9.457.9210.8710.229.26
Tang Common Equity / Tang Assets 9.457.9210.8710.229.26
Asset Quality (%)   
NPAs / Assets 0.140.12NANA0.40
NPA Excl Restructured / Assets 0.0600.080.060.40
NPAs & 90+ PD / Assets 0.140.12NANA0.40
NPAs / Loans & REO 0.250.20NANA0.51
Nonaccrual & 90+ & OREO / Assets 0.0600.080.060.40
NPAs & 90+ PD / Loans & REO 0.250.20NANA0.51
NPA & Loans 90+ / Tangible Common Equity + LLR 1.341.34NANA3.91
NCOs / Avg Loans 0.160.020.280.030.01
Loan Loss Reserves / Gross Loans 1.311.411.351.291.25
Reserves / NPAs 535.78713.58NANA246.60
Loan Loss Provision / NCO 355.64NM195.04NMNM
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000)  NA16,611NANA25,300
Tier 1 Capital ($000)  15,43716,611NANA25,300
Tier 2 Capital ($000)  NANANANA2,740
Total Capital ($000)  16,68018,286NANA28,040
Total Risk-weighted Assets ($000)  104,446133,883NANA219,106
Tier 1 Common Capital (CET1) Ratio (%)  NA12.41NANA11.55
Tier 1 Ratio (%)  14.7812.41NANA11.55
Total Capital Ratio (%)  15.9713.66NANA12.80
Liquidity Coverage Ratio (%)  NANANANANA
Leverage Ratio (%)  9.678.41NANA9.01
Supplementary Leverage Ratio (%)  NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual)  1,496,1061,498,9371,941,6171,975,3291,985,686
Avg Diluted Shares (actual)  1,496,1061,518,6181,726,6621,955,5731,989,422
Basic Book Value per Share 10.7210.9211.7812.6213.52
As-reported Book Value per Share 10.7210.9211.7812.6213.52
Basic Tangible Book Value per Share 10.7210.9211.7812.6213.52
Reported: Tangible Book Value 10.7210.9211.7812.6213.52
Common Dividends Declared per Share NANANA00.05
EPS after Extra 0.680.760.580.870.79
EPS after Extra Growth (%)  65.9011.80(23.7)50.0029.50
Core EPS 0.300.750.560.840.76
Core EPS Growth (%)  (27.5)153.70(26.1)50.4026.90
Diluted EPS before Amortization 0.680.760.580.870.79
Pre-Provision Earnings per Share 0.520.970.830.960.90
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