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Financial Highlights
Select Period:
 2017 FQ12016 FQ1 2016 FQ4 
Period Ended3/31/20173/31/2016Y-Y Ch (%)12/31/2016 Q-Q Ch (%)
Balance Sheet ($000)   
Total Assets504,207447,83712.59486,71014.38
Total Net Loans401,268346,58015.78381,81320.38
Total Deposits382,500356,6137.26381,7180.82
Equity Attributable to Parent Company41,61740,4402.9141,705 (0.84)
Total Equity41,61740,4402.9141,705 (0.84)
Profitability (%)   
Net Income ($000) (177)524NM571NM
Net Income Attributable to Parent ($000) (177)524NM571NM
ROAA(0.14)0.46 (60)  bp 0.48 (62)  bp
Core ROAA0.110.46 (35)  bp 0.71 (60)  bp
ROAE(1.70)5.24 (694)  bp 5.46 (716)  bp
ROATCE(1.82)5.63 (745)  bp 5.85 (767)  bp
Core ROAE1.275.20 (393)  bp 8.14 (687)  bp
Net Interest Margin3.453.3510  bp 3.50 (5)  bp
Reported: Net Interest Margin3.453.3510  bp 3.450  bp
Efficiency Ratio89.1282.97615  bp 73.871,525  bp
Noninterest Inc / Operating Rev19.7920.39 (60)  bp 24.42 (463)  bp
Balance Sheet Ratios (%)   
Loans / Deposits105.9598.07788  bp 100.96499  bp
Securities / Assets10.6312.22 (159)  bp 11.06 (43)  bp
Total Equity / Total Assets8.259.03 (78)  bp 8.57 (32)  bp
Tangible Equity / Tangible Assets7.748.46 (72)  bp 8.04 (30)  bp
Tang Common Equity / Tang Assets7.748.46 (72)  bp 8.04 (30)  bp
Asset Quality (%)   
NPAs / AssetsNA2.14NA  bp NANA
NPA Excl Restructured / Assets1.641.75 (11)  bp 1.604  bp
NPAs & 90+ PD / AssetsNA2.14NA  bp NANA
NPAs / Loans & REONA2.71NA  bp NANA
Nonaccrual & 90+ & OREO / Assets1.641.75 (11)  bp 1.604  bp
NPAs & 90+ PD / Loans & REONA2.71NA  bp NANA
NPA & Loans 90+ / Tangible Common Equity + LLRNA22.96NA  bp NANA
NCOs / Avg Loans0.060.09 (3)  bp (0.26)32  bp
Loan Loss Reserves / Gross Loans0.991.17 (18)  bp 1.00 (1)  bp
Reserves / NPAsNA42.86NA  bp NANA
Loan Loss Provision / NCO316.67(43.21)35,988  bp NMNM
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) NANANA41,087NA
Tier 1 Capital ($000) NANANA41,087NA
Tier 2 Capital ($000) NANANA10,723NA
Total Capital ($000) 51,82649,9833.6951,8100.12
Total Risk-weighted Assets ($000) NANANA344,979NA
Tier 1 Common Capital (CET1) Ratio (%) NANANA11.91NA  bp
Tier 1 Ratio (%) NANANA11.91NA  bp
Total Capital Ratio (%) NANANA15.02NA  bp
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) 8.418.80 (39)  bp 8.66 (25)  bp
Basel III Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 4,787,3564,774,8560.264,774,8561.05
Avg Diluted Shares (actual) 4,776,8004,791,139 (0.30) 4,816,071 (3.26)
Basic Book Value per Share8.698.472.608.73 (1.83)
As-reported Book Value per Share8.698.472.608.73 (1.83)
Basic Tangible Book Value per Share8.117.882.928.15 (1.96)
Reported: Tangible Book Value8.217.992.758.25 (1.94)
Common Dividends Declared per Share00000
EPS after Extra(0.04)0.11NM0.12NM
EPS after Extra Growth (%) NM37.50NMNMNM
Core EPS0.030.11 (72.73) 0.18 (333.33)
Core EPS Growth (%) (72.7)35.40 (10,805)  bp NMNM
Diluted EPS before Amortization(0.04)0.11NM0.12NM
Pre-Provision Earnings per Share0.050.09 (44.44) 0.16 (275)
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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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