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Financial Highlights

Select Period: Financial Charting
 2016 FQ2 YTD2015 FY2014 FY2013 FY2012 FY
Period Ended12/31/201212/31/201312/31/201412/31/20156/30/2016
Balance Sheet ($000)   
Total Assets 169,658206,473210,358244,044271,938
Total Net Loans 93,400121,370153,740189,798217,580
Total Deposits 146,729183,365183,971217,573240,383
Equity Attributable to Parent Company 16,03916,36122,86724,93326,214
Total Equity 16,03916,36122,86724,93326,214
Profitability (%)   
Net Income ($000)  1,0181,1491,0061,704964
Net Income Attributable to Parent ($000)  1,0181,1491,0061,704964
ROAA 0.690.620.480.740.73
Core ROAA 0.300.620.460.710.68
ROAE 6.487.085.217.167.56
ROATCE 6.487.085.217.167.56
Core ROAE 2.837.035.016.907.04
Net Interest Margin 3.523.553.693.873.76
Reported: Net Interest Margin 3.533.553.703.873.76
Efficiency Ratio 77.3868.3672.7769.7768.65
Noninterest Inc / Operating Rev 6.9611.888.0210.2111.84
Balance Sheet Ratios (%)   
Loans / Deposits 64.5067.0583.6987.1289.95
Securities / Assets 25.9421.4420.2415.6713.36
Total Equity / Total Assets 9.457.9210.8710.229.64
Tangible Equity / Tangible Assets 9.457.9210.8710.229.64
Tang Common Equity / Tang Assets 9.457.9210.8710.229.64
Asset Quality (%)   
NPAs / Assets 0.140.12NANA0.16
NPA Excl Restructured / Assets 0.0600.080.060.16
NPAs & 90+ PD / Assets 0.140.12NANA0.16
NPAs / Loans & REO 0.250.20NANA0.20
Nonaccrual & 90+ & OREO / Assets 0.0600.080.060.16
NPAs & 90+ PD / Loans & REO 0.250.20NANA0.20
NPA & Loans 90+ / Tangible Common Equity + LLR 1.341.34NANA1.51
NCOs / Avg Loans 0.160.020.280.030
Loan Loss Reserves / Gross Loans 1.311.411.351.291.26
Reserves / NPAs 535.78713.58NANA632.12
Loan Loss Provision / NCO 355.64NM195.04NMNM
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000)  NA16,611NANA24,630
Tier 1 Capital ($000)  15,43716,611NANA24,630
Tier 2 Capital ($000)  NANANANA2,633
Total Capital ($000)  16,68018,286NANA27,263
Total Risk-weighted Assets ($000)  104,446133,883NANA210,567
Tier 1 Common Capital (CET1) Ratio (%)  NA12.41NANA11.70
Tier 1 Ratio (%)  14.7812.41NANA11.70
Total Capital Ratio (%)  15.9713.66NANA12.95
Liquidity Coverage Ratio (%)  NANANANANA
Leverage Ratio (%)  9.678.41NANA9.16
Supplementary Leverage Ratio (%)  NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual)  1,496,1061,498,9371,941,6171,975,3291,980,472
Avg Diluted Shares (actual)  1,496,1061,518,6181,726,6621,955,5731,984,243
Basic Book Value per Share 10.7210.9211.7812.6213.24
As-reported Book Value per Share 10.7210.9211.7812.6213.24
Basic Tangible Book Value per Share 10.7210.9211.7812.6213.24
Reported: Tangible Book Value 10.7210.9211.7812.6213.24
Common Dividends Declared per Share NANANA00.05
EPS after Extra 0.680.760.580.870.49
EPS after Extra Growth (%)  65.9011.80(23.7)50.0016.70
Core EPS 0.300.750.560.840.46
Core EPS Growth (%)  (27.5)153.70(26.1)50.4012.40
Diluted EPS before Amortization 0.680.760.580.870.49
Pre-Provision Earnings per Share 0.520.970.830.960.56
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