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Financial Highlights
Select Period:
 2017 FQ32016 FQ3 2017 FQ2 
Period Ended9/30/20179/30/2016Y-Y Ch (%)6/30/2017 Q-Q Ch (%)
Balance Sheet ($000)   
Total Assets959,936468,274104.99867,39242.68
Total Net Loans739,870365,303102.54701,32121.99
Total Deposits735,413377,97594.57688,97426.96
Equity Attributable to Parent Company117,78841,948180.8084,478157.72
Total Equity117,78841,948180.8084,478157.72
Profitability (%)   
Net Income ($000) 742854 (13.11) 557132.85
Net Income Attributable to Parent ($000) 742854 (13.11) 557132.85
ROAA0.320.72 (40)  bp 0.266  bp
Core ROAA0.430.54 (11)  bp 0.54 (11)  bp
ROAE3.108.14 (504)  bp 2.6545  bp
ROATCE4.278.73 (446)  bp 3.7057  bp
Core ROAE4.106.10 (200)  bp 5.47 (137)  bp
Net Interest Margin3.623.4022  bp 3.80 (18)  bp
Reported: Net Interest Margin3.623.4022  bp 3.80 (18)  bp
Efficiency Ratio71.2374.93 (370)  bp 72.14 (91)  bp
Noninterest Inc / Operating Rev12.1521.67 (952)  bp 13.21 (106)  bp
Balance Sheet Ratios (%)   
Loans / Deposits101.2597.51374  bp 94.33692  bp
Securities / Assets8.1111.70 (359)  bp 6.81130  bp
Total Equity / Total Assets12.278.96331  bp 9.74253  bp
Tangible Equity / Tangible Assets11.148.41273  bp 8.43271  bp
Tang Common Equity / Tang Assets11.148.41273  bp 8.43271  bp
Asset Quality (%)   
NPAs / AssetsNANANANANA
NPA Excl Restructured / Assets1.041.63 (59)  bp 1.24 (20)  bp
NPAs & 90+ PD / AssetsNANANANANA
NPAs / Loans & REONANANANANA
Nonaccrual & 90+ & OREO / Assets1.041.67 (63)  bp 1.24 (20)  bp
NPAs & 90+ PD / Loans & REONANANANANA
NPA & Loans 90+ / Tangible Common Equity + LLRNANANANANA
NCOs / Avg Loans0.210.0417  bp 0.192  bp
Loan Loss Reserves / Gross Loans0.661.01 (35)  bp 0.606  bp
Reserves / NPAsNANANANANA
Loan Loss Provision / NCO271.46NMNM177.509,396  bp
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) NANANANANA
Tier 1 Capital ($000) NANANANANA
Tier 2 Capital ($000) NANANANANA
Total Capital ($000) NA51,069NANANA
Total Risk-weighted Assets ($000) NANANANANA
Tier 1 Common Capital (CET1) Ratio (%) NANANANANA
Tier 1 Ratio (%) NANANANANA
Total Capital Ratio (%) NANANANANA
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) NA8.60NA  bp NANA
Basel III Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 13,193,9834,774,856176.329,399,138161.50
Avg Diluted Shares (actual) 10,557,6234,797,521120.069,304,79653.86
Basic Book Value per Share8.938.791.598.99 (2.67)
As-reported Book Value per Share8.938.791.598.99 (2.67)
Basic Tangible Book Value per Share8.008.20 (2.44) 7.6717.21
Reported: Tangible Book Value8.168.40 (2.86) 7.8913.69
Common Dividends Declared per Share0.040NM0.040
EPS after Extra0.070.18 (61.11) 0.0666.67
EPS after Extra Growth (%) (61.1)200.00 (26,111)  bp (50.0) (1,111)  bp
Core EPS0.090.13 (30.77) 0.12 (100)
Core EPS Growth (%) (31.4)126.40 (15,783)  bp 16.80 (4,817)  bp
Diluted EPS before Amortization0.090.18 (50) 0.090
Pre-Provision Earnings per Share0.140.15 (6.67) 0.140
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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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