Financial Highlights

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Financial Highlights
2016 FQ2 YTD
6/30/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
2013 FY
12/31/2013
2012 FY
12/31/2012
Balance Sheet ($000)
Total Assets 1,084,046 1,035,295 1,001,448 984,587 1,027,363
Total Net Loans 816,825 772,391 717,809 714,060 743,267
Total Deposits 965,554 918,512 881,181 845,724 874,440
Equity Attributable to Parent Company 115,948 111,376 103,521 95,388 91,634
Total Equity 115,948 111,376 103,521 95,388 91,634
Profitability (%)
Net Income($000) 4,288 10,204 8,402 6,232 5,365
Net Income Attributable to Parent($000) 4,288 10,204 8,402 6,232 5,365
ROAA 0.80 1 0.83 0.61 0.51
Core ROAA 0.81 0.95 0.86 0.68 0.54
ROAE 7.56 9.52 8.44 6.72 5.99
ROATCE 8.21 10.52 9.71 7.85 7.13
Core ROAE 7.58 9.03 8.73 7.50 6.31
Net Interest Margin 3.61 3.59 3.56 3.47 3.50
Reported: Net Interest Margin 3.63 3.59 3.56 3.47 3.50
Efficiency Ratio 64.69 66.44 68.81 68.79 68.61
Noninterest Inc/ Operating Rev 25.56 26.51 25.50 24.28 23.73
Balance Sheet Ratios (%)
Loans/ Deposits 85.61 85.14 82.45 85.54 86.18
Securities/ Assets 15.15 15.51 17.22 16.44 13.35
Total Equity/ Total Assets 10.70 10.76 10.34 9.69 8.92
Tangible Equity/ Tangible Assets 9.95 9.97 9.51 8.79 8.01
Tang Common Equity/ Tang Assets 9.95 9.97 9.51 8.79 8.01
Asset Quality (%)
NPAs/ Assets 2.52 2.41 3.09 4.50 5.15
NPA Excl Restructured/ Assets 1.29 1.14 1.59 2.98 4.04
NPAs & 90+ PD/ Assets 2.57 2.45 3.12 4.56 5.21
NPAs/ Loans & REO 3.28 3.16 4.23 6.08 6.98
Nonaccrual & 90+ & OREO/ Assets 1.33 1.18 1.63 3.04 4.10
NPAs & 90+ PD/ Loans & REO 3.34 3.21 4.28 6.16 7.05
NPA & Loans 90+/ Tangible Common Equity + LLR 23.72 22.52 30.20 47.07 58.25
NCOs/ Avg Loans 0.48 0.04 0.19 0.49 0.60
Loan Loss Reserves/ Gross Loans 1.25 1.29 1.25 1.34 1.38
Reserves/ NPAs 37.73 40.42 29.47 21.90 19.60
Loan Loss Provision/ NCO 111.94 414.52 56.38 81.18 114.36
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 109,288 106,082 97,594 90,659 85,843
Tier 1 Capital($000) 109,288 106,082 97,594 90,659 85,843
Tier 2 Capital($000) 9,376 9,019 NA NA NA
Total Capital($000) 118,664 115,101 106,529 99,598 95,268
Total Risk-weighted Assets($000) 746,349 718,006 687,592 699,256 755,809
Tier 1 Common Capital (CET1) Ratio(%) 14.64 14.77 14.19 12.97 11.36
Tier 1 Ratio(%) 14.64 14.77 14.19 12.97 11.36
Total Capital Ratio(%) 15.90 16.03 15.49 14.24 12.60
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.20 10.38 9.69 9.14 8.29
Supplementary Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 4,301,648 4,275,879 4,218,330 4,168,673 4,107,346
Avg Diluted Shares(actual) 4,292,000 4,250,000 4,196,000 4,139,000 4,074,000
Basic Book Value per Share 26.95 26.05 24.54 22.88 22.31
As-reported Book Value per Share 26.95 26.05 24.54 22.88 22.31
Basic Tangible Book Value per Share 24.86 23.94 22.36 20.55 19.84
Reported: Tangible Book Value 24.86 23.94 22.36 20.55 19.84
Common Dividends Declared per Share 0.40 0.74 0.68 0.68 0.78
EPS after Extra 1 2.40 2 1.51 1.32
EPS after Extra Growth(%) (20.60) 20 32.50 14.40 (20.50)
Core EPS 1 2.28 2.07 1.69 1.39
Core EPS Growth(%) (13) 10.10 22.70 21.30 (20.50)
Diluted EPS before Amortization 1 2.44 2.12 1.61 1.43
Pre-Provision Earnings per Share 1.11 1.95 1.72 1.75 1.78
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