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Financial Highlights
Select Period:
 2017 FQ42016 FQ4 2017 FQ3 
Period Ended12/31/201712/31/2016Y-Y Ch (%)9/30/2017 Q-Q Ch (%)
Balance Sheet ($000)   
Total Assets970,556486,71099.41959,9364.43
Total Net Loans760,377381,81399.15739,87011.09
Total Deposits761,846381,71899.58735,41314.38
Equity Attributable to Parent Company114,55441,705174.68117,788 (10.98)
Total Equity114,55441,705174.68117,788 (10.98)
Profitability (%)   
Net Income ($000) (2,394)571NM742NM
Net Income Attributable to Parent ($000) (2,394)571NM742NM
ROAA(0.99)0.48 (147)  bp 0.32 (131)  bp
Core ROAA(0.70)0.72 (142)  bp 0.43 (113)  bp
ROAE(8.24)5.46 (1,370)  bp 3.10 (1,134)  bp
ROATCE(8.71)5.85 (1,456)  bp 4.27 (1,298)  bp
Core ROAE(5.85)8.14 (1,399)  bp 4.10 (995)  bp
Net Interest Margin3.843.6222  bp 3.6222  bp
Reported: Net Interest Margin3.823.4537  bp 3.6220  bp
Efficiency Ratio74.7773.8790  bp 71.23354  bp
Noninterest Inc / Operating Rev7.8824.42 (1,654)  bp 12.15 (427)  bp
Balance Sheet Ratios (%)   
Loans / Deposits100.61100.96 (35)  bp 101.25 (64)  bp
Securities / Assets8.5511.06 (251)  bp 8.1144  bp
Total Equity / Total Assets11.808.57323  bp 12.27 (47)  bp
Tangible Equity / Tangible Assets10.578.04253  bp 11.14 (57)  bp
Tang Common Equity / Tang Assets10.578.04253  bp 11.14 (57)  bp
Asset Quality (%)   
NPAs / AssetsNANANANANA
NPA Excl Restructured / Assets1.111.60 (49)  bp 1.047  bp
NPAs & 90+ PD / AssetsNANANANANA
NPAs / Loans & REONANANANANA
Nonaccrual & 90+ & OREO / Assets1.121.60 (48)  bp 1.048  bp
NPAs & 90+ PD / Loans & REONANANANANA
NPA & Loans 90+ / Tangible Common Equity + LLRNANANANANA
NCOs / Avg Loans0.13(0.26)39  bp 0.21 (8)  bp
Loan Loss Reserves / Gross Loans1.011.001  bp 0.6635  bp
Reserves / NPAsNANANANANA
Loan Loss Provision / NCONMNMNM271.46NM
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) 105,44441,087156.64NANA
Tier 1 Capital ($000) 105,44441,087156.64NANA
Tier 2 Capital ($000) 14,64710,72336.59NANA
Total Capital ($000) 120,09151,810131.79122,435 (7.66)
Total Risk-weighted Assets ($000) 739,439344,979114.34NANA
Tier 1 Common Capital (CET1) Ratio (%) 14.2611.91235  bp NANA  bp
Tier 1 Ratio (%) 14.2611.91235  bp NANA  bp
Total Capital Ratio (%) 16.2415.02122  bp NANA  bp
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) 10.998.66233  bp 12.22 (123)  bp
Basel III Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 13,203,6054,774,856176.5213,193,9830.29
Avg Diluted Shares (actual) 8,550,0004,816,01777.5310,557,623 (76.06)
Basic Book Value per Share8.688.73 (0.57) 8.93 (11.20)
As-reported Book Value per Share8.708.73 (0.34) 8.93 (10.30)
Basic Tangible Book Value per Share7.668.15 (6.01) 8.00 (17)
Reported: Tangible Book Value7.888.61 (8.48) 8.43 (26.10)
Common Dividends Declared per Share0.040NM0.040
EPS after Extra(0.28)0.12NM0.07NM
EPS after Extra Growth (%) NMNMNM(61.1)NM
Core EPS(0.20)0.18NM0.09NM
Core EPS Growth (%) NMNMNM(31.4)NM
Diluted EPS before Amortization(0.25)0.12NM0.09NM
Pre-Provision Earnings per Share0.150.16 (6.25) 0.1428.57
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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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