Financial Highlights

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Select Period: Financial Charting
 2016 FY2015 FY2014 FY2013 FY2012 FY
Period Ended12/31/201612/31/201512/31/201412/31/201312/31/2012
Balance Sheet ($000)   
Total Assets 1,611,5871,456,3341,213,8461,150,6411,059,737
Total Net Loans 1,257,3271,111,071909,392849,923730,923
Total Deposits 1,264,1771,094,149954,973925,303901,307
Equity Attributable to Parent Company 154,957159,141118,440107,649101,331
Total Equity 154,957159,141118,440107,649101,331
Profitability (%)   
Net Income ($000)  13,10211,13511,76910,5669,394
Net Income Attributable to Parent ($000)  13,10211,13511,76910,5669,394
ROAA 0.880.820.980.960.90
Core ROAA 0.880.820.980.960.89
ROAE 8.478.9410.2210.089.55
ROATCE 8.699.9811.8512.9212.47
Core ROAE 8.398.9410.2310.039.39
Net Interest Margin 3.893.793.843.833.81
Reported: Net Interest Margin 3.893.793.843.833.81
Efficiency Ratio 64.3364.9761.4962.1159.58
Noninterest Inc / Operating Rev 15.5115.1715.2716.6717.74
Balance Sheet Ratios (%)   
Loans / Deposits 100.52102.6696.3592.8881.79
Securities / Assets 12.5315.0217.9020.3222.39
Total Equity / Total Assets 9.6210.939.769.369.56
Tangible Equity / Tangible Assets 9.4810.789.769.369.56
Tang Common Equity / Tang Assets 9.489.968.777.187.20
Asset Quality (%)   
NPAs / Assets 0.590.691.081.971.46
NPA Excl Restructured / Assets 0.360.420.921.681.13
NPAs & 90+ PD / Assets 0.630.721.091.971.48
NPAs / Loans & REO 0.740.891.432.632.09
Nonaccrual & 90+ & OREO / Assets 0.410.460.921.681.15
NPAs & 90+ PD / Loans & REO 0.800.931.432.632.11
NPA & Loans 90+ / Tangible Common Equity + LLR 6.096.6911.2424.5218.35
NCOs / Avg Loans 0.060.190.050.100.16
Loan Loss Reserves / Gross Loans 1.181.131.211.161.26
Reserves / NPAs 158.09126.4284.7943.9259.92
Loan Loss Provision / NCO 421.35178.75387.41184.44152.17
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000)  153,762143,456103,77380,47770,598
Tier 1 Capital ($000)  163,762165,456125,773115,477105,597
Tier 2 Capital ($000)  14,99212,704NANANA
Total Capital ($000)  178,754178,160136,935125,452114,899
Total Risk-weighted Assets ($000)  1,294,0461,142,119949,779902,945776,838
Tier 1 Common Capital (CET1) Ratio (%)  11.8812.5610.938.919.09
Tier 1 Ratio (%)  12.6614.4913.2412.7913.59
Total Capital Ratio (%)  13.8115.6014.4213.8914.79
Liquidity Coverage Ratio (%)  NANANANANA
Leverage Ratio (%)  10.7611.7310.3210.1810.02
Supplementary Leverage Ratio (%)  NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual)  8,426,8738,355,0026,428,5825,556,9695,448,287
Avg Diluted Shares (actual)  8,446,3616,625,8656,295,4045,602,1415,472,395
Basic Book Value per Share 18.3917.6116.5614.8714.01
As-reported Book Value per Share 18.3917.6116.5514.8814.01
Basic Tangible Book Value per Share 18.1117.3316.5614.8714.01
Reported: Tangible Book Value 18.1117.3316.5514.8814.01
Common Dividends Declared per Share 0.500.460.420.380.31
EPS after Extra 1.551.671.841.841.65
EPS after Extra Growth (%)  (7.0)(9.5)0.1011.5065.80
Core EPS 1.541.671.841.831.62
Core EPS Growth (%)  (7.8)(9.6)0.7012.9063.60
Diluted EPS before Amortization 1.551.671.841.841.68
Pre-Provision Earnings per Share 1.681.891.841.801.57
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