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 1,100,000 1,035,295 1,001,448 984,587 1,027,363
Total Net Loans NA 772,391 717,809 714,060 743,267
Total Deposits 965,600 918,512 881,181 845,724 874,440
Equity Attributable to Parent Company NA 111,376 103,521 95,388 91,634
Total Equity NA 111,376 103,521 95,388 91,634
Profitability (%)
Net Income($000) 4,300 10,204 8,402 6,232 5,365
Net Income Attributable to Parent($000) 4,300 10,204 8,402 6,232 5,365
ROAA 0.80 1 0.83 0.61 0.51
Core ROAA NA 0.95 0.86 0.68 0.54
ROAE NA 9.52 8.44 6.72 5.99
ROATCE NA 10.52 9.71 7.85 7.13
Core ROAE NA 9.03 8.73 7.50 6.31
Net Interest Margin NA 3.59 3.56 3.47 3.50
Reported: Net Interest Margin NA 3.59 3.56 3.47 3.50
Efficiency Ratio NA 66.44 68.81 68.79 68.61
Noninterest Inc/ Operating Rev NA 26.51 25.50 24.28 23.73
Balance Sheet Ratios (%)
Loans/ Deposits NA 85.14 82.45 85.54 86.18
Securities/ Assets NA 15.51 17.22 16.44 13.35
Total Equity/ Total Assets NA 10.76 10.34 9.69 8.92
Tangible Equity/ Tangible Assets NA 9.97 9.51 8.79 8.01
Tang Common Equity/ Tang Assets NA 9.97 9.51 8.79 8.01
Asset Quality (%)
NPAs/ Assets NA 2.41 3.09 4.50 5.15
NPA Excl Restructured/ Assets NA 1.14 1.59 2.98 4.04
NPAs & 90+ PD/ Assets NA 2.45 3.12 4.56 5.21
NPAs/ Loans & REO NA 3.16 4.23 6.08 6.98
Nonaccrual & 90+ & OREO/ Assets NA 1.18 1.63 3.04 4.10
NPAs & 90+ PD/ Loans & REO NA 3.21 4.28 6.16 7.05
NPA & Loans 90+/ Tangible Common Equity + LLR NA 22.52 30.20 47.07 58.25
NCOs/ Avg Loans NA 0.04 0.19 0.49 0.60
Loan Loss Reserves/ Gross Loans NA 1.29 1.25 1.34 1.38
Reserves/ NPAs NA 40.42 29.47 21.90 19.60
Loan Loss Provision/ NCO NA 414.52 56.38 81.18 114.36
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 106,082 97,594 90,659 85,843
Tier 1 Capital($000) NA 106,082 97,594 90,659 85,843
Tier 2 Capital($000) NA 9,019 NA NA NA
Total Capital($000) NA 115,101 106,529 99,598 95,268
Total Risk-weighted Assets($000) NA 718,006 687,592 699,256 755,809
Tier 1 Common Capital (CET1) Ratio(%) NA 14.77 14.19 12.97 11.36
Tier 1 Ratio(%) NA 14.77 14.19 12.97 11.36
Total Capital Ratio(%) NA 16.03 15.49 14.24 12.60
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA 10.38 9.69 9.14 8.29
Supplementary Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) NA 4,275,879 4,218,330 4,168,673 4,107,346
Avg Diluted Shares(actual) 4,300,000 4,250,000 4,196,000 4,139,000 4,074,000
Basic Book Value per Share NA 26.05 24.54 22.88 22.31
As-reported Book Value per Share NA 26.05 24.54 22.88 22.31
Basic Tangible Book Value per Share NA 23.94 22.36 20.55 19.84
Reported: Tangible Book Value NA 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 NA 2.28 2.07 1.69 1.39
Core EPS Growth(%) NA 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 NA 1.95 1.72 1.75 1.78
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