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Financial Highlights
Select Period:
 2018 FQ12017 FQ1 2017 FQ4 
Period Ended3/31/20183/31/2017Y-Y Ch (%)12/31/2017 Q-Q Ch (%)
Balance Sheet ($000)   
Total Assets994,676504,20797.28970,5569.94
Total Net Loans783,379401,26895.23760,37712.10
Total Deposits796,951382,500108.35761,84618.43
Equity Attributable to Parent Company114,91941,617176.13114,5541.27
Total Equity114,91941,617176.13114,5541.27
Profitability (%)   
Net Income ($000) 1,124(177)NM(2,394)NM
Net Income Attributable to Parent ($000) 1,124(177)NM(2,394)NM
ROAA0.46(0.14)60  bp (0.99)145  bp
Core ROAA0.530.1142  bp (0.17)70  bp
ROAE3.92(1.70)562  bp (8.24)1,216  bp
ROATCE5.09(1.82)691  bp (8.71)1,380  bp
Core ROAE4.531.27326  bp (1.38)591  bp
Net Interest Margin3.833.4538  bp 3.821  bp
Reported: Net Interest Margin3.833.4538  bp 3.821  bp
Efficiency Ratio80.9089.12 (822)  bp 74.77613  bp
Noninterest Inc / Operating Rev8.9119.79 (1,088)  bp 7.88103  bp
Balance Sheet Ratios (%)   
Loans / Deposits99.24105.95 (671)  bp 100.61 (137)  bp
Securities / Assets8.1410.63 (249)  bp 8.55 (41)  bp
Total Equity / Total Assets11.558.25330  bp 11.80 (25)  bp
Tangible Equity / Tangible Assets10.377.74263  bp 10.57 (20)  bp
Tang Common Equity / Tang Assets10.377.74263  bp 10.57 (20)  bp
Asset Quality (%)   
NPAs / Assets1.25NANA  bp 1.34 (9)  bp
NPA Excl Restructured / Assets0.951.64 (69)  bp 1.11 (16)  bp
NPAs & 90+ PD / Assets1.25NANA  bp 1.34 (9)  bp
NPAs / Loans & REO1.57NANA  bp 1.68 (11)  bp
Nonaccrual & 90+ & OREO / Assets0.951.64 (69)  bp 1.12 (17)  bp
NPAs & 90+ PD / Loans & REO1.57NANA  bp 1.69 (12)  bp
NPA & Loans 90+ / Tangible Common Equity + LLR11.34NANA  bp 11.97 (63)  bp
NCOs / Avg Loans0.090.063  bp 0.13 (4)  bp
Loan Loss Reserves / Gross Loans1.000.991  bp 1.01 (1)  bp
Reserves / NPAs63.69NANA  bp 59.80389  bp
Loan Loss Provision / NCO191.62316.67 (12,505)  bp NMNM
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) NANANA105,444NA
Tier 1 Capital ($000) NANANA105,444NA
Tier 2 Capital ($000) NANANA14,647NA
Total Capital ($000) NA51,826NA120,091NA
Total Risk-weighted Assets ($000) NANANA739,439NA
Tier 1 Common Capital (CET1) Ratio (%) NANANA14.26NA  bp
Tier 1 Ratio (%) NANANA14.26NA  bp
Total Capital Ratio (%) NANANA16.24NA  bp
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) NA8.41NA  bp 10.99NA  bp
Basel III Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 13,223,0964,787,356176.2113,203,6050.59
Avg Diluted Shares (actual) 13,106,2144,776,800174.3713,108,400 (0.07)
Basic Book Value per Share8.698.6908.680.46
As-reported Book Value per Share8.698.6908.680.46
Basic Tangible Book Value per Share7.708.11 (5.06) 7.662.09
Reported: Tangible Book Value7.908.21 (3.78) 7.881.02
Common Dividends Declared per Share0000.04NM
EPS after Extra0.09(0.04)NM(0.18)NM
EPS after Extra Growth (%) NMNMNMNMNM
Core EPS0.100.03233.33(0.03)NM
Core EPS Growth (%) 248.70(72.7)32,135  bp NMNM
Diluted EPS before Amortization0.11(0.04)NM(0.16)NM
Pre-Provision Earnings per Share0.110.051200.1040
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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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