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Financial Highlights
Select Period:
 2016 FQ42015 FQ4 2016 FQ3 
Period Ended12/31/201612/31/2015Y-Y Ch (%)9/30/2016 Q-Q Ch (%)
Balance Sheet ($000)   
Total Assets486,710456,2966.67468,27415.75
Total Net Loans381,813343,59311.12365,30318.08
Total Deposits381,718359,8586.07377,9753.96
Equity Attributable to Parent Company41,70539,5695.4041,948 (2.32)
Total Equity41,70539,5695.4041,948 (2.32)
Profitability (%)   
Net Income ($000) 571(590)NM854 (132.55)
Net Income Attributable to Parent ($000) 571(590)NM854 (132.55)
ROAA0.48(0.53)101  bp 0.73 (25)  bp
Core ROAA0.71(0.56)127  bp 0.5516  bp
ROAE5.46(5.93)1,139  bp 8.21 (275)  bp
ROATCE5.85(6.38)1,223  bp 8.81 (296)  bp
Core ROAE8.14(6.18)1,432  bp 6.16198  bp
Net Interest Margin3.503.500  bp 3.4010  bp
Reported: Net Interest Margin3.453.441  bp 3.405  bp
Efficiency Ratio73.8789.49 (1,562)  bp 74.93 (106)  bp
Noninterest Inc / Operating Rev24.4220.65377  bp 21.67275  bp
Balance Sheet Ratios (%)   
Loans / Deposits100.9696.58438  bp 97.51345  bp
Securities / Assets11.0612.45 (139)  bp 11.70 (64)  bp
Total Equity / Total Assets8.578.67 (10)  bp 8.96 (39)  bp
Tangible Equity / Tangible Assets8.048.11 (7)  bp 8.41 (37)  bp
Tang Common Equity / Tang Assets8.048.11 (7)  bp 8.41 (37)  bp
Asset Quality (%)   
NPAs / AssetsNA2.21NA  bp NANA
NPA Excl Restructured / Assets1.601.82 (22)  bp 1.63 (3)  bp
NPAs & 90+ PD / AssetsNA2.21NA  bp NANA
NPAs / Loans & REONA2.88NA  bp NANA
Nonaccrual & 90+ & OREO / Assets1.601.82 (22)  bp 1.67 (7)  bp
NPAs & 90+ PD / Loans & REONA2.88NA  bp NANA
NPA & Loans 90+ / Tangible Common Equity + LLRNA24.59NA  bp NANA
NCOs / Avg Loans(0.26)0.46 (72)  bp 0.04 (30)  bp
Loan Loss Reserves / Gross Loans1.001.21 (21)  bp 1.01 (1)  bp
Reserves / NPAsNA41.94NA  bp NANA
Loan Loss Provision / NCONM315.48NMNMNM
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) 41,08738,4926.74NANA
Tier 1 Capital ($000) 41,08738,4926.74NANA
Tier 2 Capital ($000) 10,72310,813 (0.83) NANA
Total Capital ($000) 51,81049,3055.0851,0695.80
Total Risk-weighted Assets ($000) 344,979317,329344,979NA344,979
Tier 1 Common Capital (CET1) Ratio (%) 11.9112.13 (22)  bp NANA  bp
Tier 1 Ratio (%) 11.9112.13 (22)  bp NANA  bp
Total Capital Ratio (%) 15.0215.54 (52)  bp NANA  bp
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) 8.668.84 (18)  bp 8.606  bp
Supplementary Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 4,774,8564,774,85604,774,8560
Avg Diluted Shares (actual) 4,816,0714,774,8560.864,797,5211.55
Basic Book Value per Share8.738.295.318.79 (2.73)
As-reported Book Value per Share8.738.295.318.79 (2.73)
Basic Tangible Book Value per Share8.157.705.848.20 (2.44)
Reported: Tangible Book Value8.257.815.638.32 (3.37)
Common Dividends Declared per Share00000
EPS after Extra0.12(0.12)NM0.18 (133.33)
EPS after Extra Growth (%) NMNMNM200.00NM
Core EPS0.18(0.13)NM0.13153.85
Core EPS Growth (%) NMNMNM126.40NM
Diluted EPS before Amortization0.12(0.12)NM0.18 (133.33)
Pre-Provision Earnings per Share0.160.03433.330.1526.67
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   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.



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