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Financial Highlights
Select Period:
 2017 FQ22016 FQ2 2017 FQ1 
Period Ended6/30/20176/30/2016Y-Y Ch (%)3/31/2017 Q-Q Ch (%)
Balance Sheet ($000)   
Total Assets867,392468,33985.21504,207288.12
Total Net Loans701,321350,180100.27401,268299.10
Total Deposits688,974379,02981.77382,500320.50
Equity Attributable to Parent Company84,47841,212104.9841,617411.96
Total Equity84,47841,212104.9841,617411.96
Profitability (%)   
Net Income ($000) 557586 (4.95) (177)NM
Net Income Attributable to Parent ($000) 557586 (4.95) (177)NM
ROAA0.260.51 (25)  bp (0.14)40  bp
Core ROAA0.540.468  bp 0.1143  bp
ROAE2.655.74 (309)  bp (1.70)435  bp
ROATCE3.706.17 (247)  bp (1.82)552  bp
Core ROAE5.475.0839  bp 1.27420  bp
Net Interest Margin3.803.3842  bp 3.4535  bp
Reported: Net Interest Margin3.803.3743  bp 3.4535  bp
Efficiency Ratio72.1478.44 (630)  bp 89.12 (1,698)  bp
Noninterest Inc / Operating Rev13.2122.73 (952)  bp 19.79 (658)  bp
Balance Sheet Ratios (%)   
Loans / Deposits94.3392.68165  bp 105.95 (1,162)  bp
Securities / Assets6.8112.05 (524)  bp 10.63 (382)  bp
Total Equity / Total Assets9.748.8094  bp 8.25149  bp
Tangible Equity / Tangible Assets8.438.2518  bp 7.7469  bp
Tang Common Equity / Tang Assets8.438.2518  bp 7.7469  bp
Asset Quality (%)   
NPAs / AssetsNA2.09NA  bp NANA
NPA Excl Restructured / Assets1.241.66 (42)  bp 1.64 (40)  bp
NPAs & 90+ PD / AssetsNA2.14NA  bp NANA
NPAs / Loans & REONA2.75NA  bp NANA
Nonaccrual & 90+ & OREO / Assets1.241.71 (47)  bp 1.64 (40)  bp
NPAs & 90+ PD / Loans & REONA2.81NA  bp NANA
NPA & Loans 90+ / Tangible Common Equity + LLRNA23.85NA  bp NANA
NCOs / Avg Loans0.190.84 (65)  bp 0.0613  bp
Loan Loss Reserves / Gross Loans0.601.00 (40)  bp 0.99 (39)  bp
Reserves / NPAsNA36.23NA  bp NANA
Loan Loss Provision / NCO177.5024.6315,287  bp 316.67 (13,917)  bp
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) NANANANANA
Tier 1 Capital ($000) NANANANANA
Tier 2 Capital ($000) NANANANANA
Total Capital ($000) NA50,017NA51,826NA
Total Risk-weighted Assets ($000) NA315,713NANANA
Tier 1 Common Capital (CET1) Ratio (%) NANANANANA
Tier 1 Ratio (%) NANANANANA
Total Capital Ratio (%) NA15.84NA  bp NANA
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) NA8.74NA  bp 8.41NA  bp
Basel III Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 9,399,1384,774,85696.854,787,356385.33
Avg Diluted Shares (actual) 9,304,7964,794,78394.064,776,800379.17
Basic Book Value per Share8.998.634.178.6913.81
As-reported Book Value per Share8.998.634.178.6913.81
Basic Tangible Book Value per Share7.678.04 (4.60) 8.11 (21.70)
Reported: Tangible Book Value7.898.24 (4.25) 8.31 (20.22)
Common Dividends Declared per Share0.040NM0NM
EPS after Extra0.060.12 (50) (0.04)NM
EPS after Extra Growth (%) (50.0)100.00 (15,000)  bp NMNM
Core EPS0.120.119.090.031,200
Core EPS Growth (%) 16.8076.20 (5,941)  bp (72.7)8,945  bp
Diluted EPS before Amortization0.090.12 (25) (0.04)NM
Pre-Provision Earnings per Share0.140.1127.270.05720
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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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