Financial Highlights


Financial Highlights
2018 FQ2 YTD
6/30/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
Balance Sheet ($000)
Total Assets 1,357,874 1,322,604 1,140,689 1,062,389 1,099,610
Total Net Loans 1,049,003 1,053,201 931,525 849,733 824,197
Total Deposits 1,167,803 1,139,393 1,001,300 893,840 916,309
Equity Attributable to Parent Company 132,305 112,876 99,719 133,916 119,281
Total Equity 132,305 112,876 99,719 133,916 119,281
Profitability (%)
Net Income($000) 19,076 10,449 (34,643) 12,441 357
Net Income Attributable to Parent($000) 19,076 10,449 (34,643) 12,441 357
ROAA 2.87 0.88 (3.13) 1.17 0.03
Core ROAA 2.86 0.39 (3.13) 1.17 (0.08)
ROAE 32.19 9.78 (27.56) 10.23 0.30
ROATCE 32.19 9.78 (27.56) 9.57 (0.76)
Core ROAE 32.12 4.35 (27.56) 10.22 (0.74)
Net Interest Margin 3.78 3.74 3.30 3.25 3.23
Reported: Net Interest Margin 3.81 3.74 3.30 3.25 3.23
Efficiency Ratio 70.30 78.47 94.83 96.61 94.61
Noninterest Inc/ Operating Rev 8 9.10 7.64 7.35 11.87
Balance Sheet Ratios (%)
Loans/ Deposits 90.97 93.68 94.71 96.49 91.46
Securities/ Assets 2.91 3.72 4.63 5.74 6.52
Total Equity/ Total Assets 9.74 8.53 8.74 12.61 10.85
Tangible Equity/ Tangible Assets 9.74 8.53 8.74 12.61 10.85
Tang Common Equity/ Tang Assets 9.74 8.53 8.74 12.61 9.79
Asset Quality (%)
NPAs/ Assets 0.54 0.48 2.18 2.44 3.32
NPA Excl Restructured/ Assets 0.54 0.45 2.18 2.37 2.31
NPAs & 90+ PD/ Assets 0.54 0.48 2.18 2.44 3.32
NPAs/ Loans & REO 0.70 0.60 2.62 3 4.35
Nonaccrual & 90+ & OREO/ Assets 0.54 0.45 2.18 2.37 2.31
NPAs & 90+ PD/ Loans & REO 0.70 0.60 2.62 3 4.35
NPA & Loans 90+/ Tangible Common Equity + LLR 5.08 5.03 21.35 17.65 30.07
NCOs/ Avg Loans 0.15 0.26 1.84 0.13 (0.12)
Loan Loss Reserves/ Gross Loans 1.26 1.33 1.77 1.47 1.65
Reserves/ NPAs 180.71 221.95 67.54 49.12 37.88
Loan Loss Provision/ NCO 0 0 125.88 0 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 128,976 116,005 101,199 131,188 102,854
Tier 1 Capital($000) 145,976 133,005 118,199 143,260 131,532
Tier 2 Capital($000) 13,719 14,546 12,844 11,624 NA
Total Capital($000) 159,695 147,551 131,043 154,884 142,039
Total Risk-weighted Assets($000) 1,174,441 1,208,385 1,022,962 923,384 836,577
Tier 1 Common Capital (CET1) Ratio(%) 10.98 9.60 9.89 14.21 12.29
Tier 1 Ratio(%) 12.43 11 11.55 15.51 15.72
Total Capital Ratio(%) 13.60 12.20 12.81 16.77 16.98
Leverage Ratio(%) 10.84 10.50 10.52 13.30 12.22
Per Share Information ($)
Common Shares Outstanding(actual) 23,378,350 23,232,515 23,004,668 22,820,332 19,462,561
Avg Diluted Shares(actual) 23,502,403 23,312,292 22,958,644 20,675,279 19,230,913
Basic Book Value per Share 5.66 4.86 4.33 5.87 5.53
As-reported Book Value per Share 5.66 4.33 4.33 5.87 5.53
Basic Tangible Book Value per Share 5.66 4.86 4.33 5.87 5.53
Reported: Tangible Book Value 5.66 4.33 4.33 5.87 5.53
EPS after Extra 0.81 0.45 (1.51) 0.53 (0.04)
EPS after Extra Growth(%) 326.30 NM NM NM NM
Core EPS 0.81 0.20 (1.51) 0.53 (0.10)
Core EPS Growth(%) 325.50 NM NM NM NM
Diluted EPS before Amortization 0.81 0.45 (1.51) 0.53 (0.04)
Pre-Provision Earnings per Share 0.27 0.29 0.06 (0.04) (0.06)
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