Financial Highlights

Financial Highlights
2017 FY
3/31/2017
2016 FY
3/31/2016
2015 FY
3/31/2015
2014 FY
3/31/2014
2013 FY
3/31/2013
Balance Sheet ($000)
Total Assets 1,133,939 921,229 858,750 824,521 777,003
Total Net Loans 769,382 615,437 569,788 521,961 521,200
Total Deposits 980,058 779,803 720,850 690,066 663,806
Equity Attributable to Parent Company 111,264 108,273 103,801 97,978 78,442
Total Equity 111,264 108,273 104,337 98,449 79,045
Profitability (%)
Net Income($000) 7,404 6,405 4,556 19,504 2,692
Net Income Attributable to Parent($000) 7,404 6,358 4,491 19,423 2,633
ROAA 0.76 0.73 0.55 2.47 0.33
Core ROAA 0.83 0.73 0.54 2.46 0.33
ROAE 6.66 5.98 4.48 23.83 3.49
ROATCE 8.70 7.94 6.01 34.10 5.34
Core ROAE 7.25 6.08 4.45 23.53 3.53
Net Interest Margin 3.79 3.67 3.59 3.37 4.06
Reported: Net Interest Margin 3.79 3.67 3.59 3.37 4.06
Efficiency Ratio 72.72 75.40 83.22 88.51 76.03
Noninterest Inc/ Operating Rev 22.42 24.66 24.78 26.22 22.38
Balance Sheet Ratios (%)
Loans/ Deposits 79.53 80.13 80.43 77.31 80.75
Securities/ Assets 17.84 16.55 13.88 13.28 1.88
Total Equity/ Total Assets 9.81 11.75 12.15 11.94 10.17
Tangible Equity/ Tangible Assets 7.49 9.23 9.45 9.12 7.11
Tang Common Equity/ Tang Assets 7.49 9.23 9.39 9.06 7.03
Asset Quality (%)
NPAs/ Assets 1.10 1.64 2.82 4.15 6.05
NPA Excl Restructured/ Assets 0.27 0.36 0.81 2.64 4.73
NPAs & 90+ PD/ Assets 1.10 1.64 2.82 4.15 6.05
NPAs/ Loans & REO 1.59 2.42 4.16 6.31 8.51
Nonaccrual & 90+ & OREO/ Assets 0.27 0.36 0.81 2.64 4.73
NPAs & 90+ PD/ Loans & REO 1.60 2.42 4.16 6.31 8.51
NPA & Loans 90+/ Tangible Common Equity + LLR 13.36 16.37 27.22 40.26 68.72
NCOs/ Avg Loans (0.10) (0.05) 0 (0.12) 0.86
Loan Loss Reserves/ Gross Loans 1.35 1.58 1.85 2.35 2.91
Reserves/ NPAs 84.62 65.32 44.43 36.71 33.26
Loan Loss Provision/ NCO NM NM NM NM 17.38
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA NA NA NA NA
Tier 1 Capital($000) NA NA NA NA NA
Tier 2 Capital($000) NA NA NA NA NA
Total Capital($000) NA NA NA NA NA
Total Risk-weighted Assets($000) NA NA NA NA NA
Tier 1 Common Capital (CET1) Ratio(%) NA NA NA NA NA
Tier 1 Ratio(%) NA NA NA NA NA
Total Capital Ratio(%) NA NA NA NA NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA NA NA NA NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 22,510,890 22,507,890 22,489,890 22,471,890 22,471,890
Avg Diluted Shares(actual) 22,548,340 22,494,151 22,431,839 22,369,175 22,342,541
Basic Book Value per Share 4.94 4.81 4.62 4.36 3.49
As-reported Book Value per Share 4.94 4.81 4.62 4.36 3.49
Basic Tangible Book Value per Share 3.68 3.67 3.48 3.22 2.35
Reported: Tangible Book Value 3.68 3.67 3.46 3.20 2.33
Common Dividends Declared per Share 0.08 0.07 0.01 0 0
EPS after Extra 0.33 0.28 0.20 0.87 0.12
EPS after Extra Growth(%) 17.90 40 (77) 625 NM
Core EPS 0.36 0.28 0.20 0.87 0.12
Core EPS Growth(%) 27.90 43 (77.40) 626.50 NM
Diluted EPS before Amortization 0.33 0.28 0.20 0.87 0.12
Pre-Provision Earnings per Share 0.34 0.25 0.14 0.02 0.10
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