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Financial Highlights
Select Period:
 2018 FQ22017 FQ2 2018 FQ1 
Period Ended6/30/20186/30/2017Y-Y Ch (%)3/31/2018 Q-Q Ch (%)
Balance Sheet ($000)   
Total Assets983,216867,39213.35994,676 (4.61)
Total Net Loans795,112701,32113.37783,3795.99
Total Deposits775,066688,97412.50796,951 (10.98)
Equity Attributable to Parent Company115,72484,47836.99114,9192.80
Total Equity115,72484,47836.99114,9192.80
Profitability (%)   
Net Income ($000) 94655769.841,124 (63.35)
Net Income Attributable to Parent ($000) 94655769.841,124 (63.35)
ROAA0.380.2612  bp 0.46 (8)  bp
Core ROAA0.450.54 (9)  bp 0.53 (8)  bp
ROAE3.282.6563  bp 3.92 (64)  bp
ROATCE4.333.7063  bp 5.09 (76)  bp
Core ROAE3.845.47 (163)  bp 4.53 (69)  bp
Net Interest Margin3.603.80 (20)  bp 3.83 (23)  bp
Reported: Net Interest Margin3.603.80 (20)  bp 3.83 (23)  bp
Efficiency Ratio87.5871.951,563  bp 80.84674  bp
Noninterest Inc / Operating Rev12.4312.61 (18)  bp 8.65378  bp
Balance Sheet Ratios (%)   
Loans / Deposits103.4294.33909  bp 99.24418  bp
Securities / Assets8.196.81138  bp 8.145  bp
Total Equity / Total Assets11.779.74203  bp 11.5522  bp
Tangible Equity / Tangible Assets10.598.43216  bp 10.3722  bp
Tang Common Equity / Tang Assets10.598.43216  bp 10.3722  bp
Asset Quality (%)   
NPAs / Assets1.10NANA  bp 1.25 (15)  bp
NPA Excl Restructured / Assets0.711.24 (53)  bp 0.95 (24)  bp
NPAs & 90+ PD / Assets1.10NANA  bp 1.25 (15)  bp
NPAs / Loans & REO1.34NANA  bp 1.57 (23)  bp
Nonaccrual & 90+ & OREO / Assets0.711.24 (53)  bp 0.95 (24)  bp
NPAs & 90+ PD / Loans & REO1.34NANA  bp 1.57 (23)  bp
NPA & Loans 90+ / Tangible Common Equity + LLR9.81NANA  bp 11.34 (153)  bp
NCOs / Avg Loans0.230.194  bp 0.0914  bp
Loan Loss Reserves / Gross Loans0.890.6029  bp 1.00 (11)  bp
Reserves / NPAs66.00NANA  bp 63.69231  bp
Loan Loss Provision / NCO(75.32)177.50 (25,282)  bp 191.62 (26,694)  bp
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) NANANANANA
Tier 1 Capital ($000) NANANANANA
Tier 2 Capital ($000) NANANANANA
Total Capital ($000) NA88,491NANANA
Total Risk-weighted Assets ($000) NANANANANA
Tier 1 Common Capital (CET1) Ratio (%) NANANANANA
Tier 1 Ratio (%) NANANANANA
Total Capital Ratio (%) NANANANANA
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) NA11.42NA  bp NANA
Basel III Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 13,226,0969,399,13840.7213,223,0960.09
Avg Diluted Shares (actual) 13,126,4199,445,33838.9713,106,2140.62
Basic Book Value per Share8.758.99 (2.67) 8.692.76
As-reported Book Value per Share8.758.99 (2.67) 8.692.76
Basic Tangible Book Value per Share7.777.671.307.703.64
Reported: Tangible Book Value7.817.642.237.743.62
Common Dividends Declared per Share00.04NM00
EPS after Extra0.070.0616.670.09 (88.89)
EPS after Extra Growth (%) 16.70(50.0)6,667  bp NMNM
Core EPS0.080.12 (33.33) 0.10 (80)
Core EPS Growth (%) (33.9)16.80 (5,072)  bp 248.70 (28,262)  bp
Diluted EPS before Amortization0.090.0900.11 (72.73)
Pre-Provision Earnings per Share0.050.14 (64.29) 0.11 (218.18)
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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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