Financial Highlights

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Financial Highlights
2016 FY
6/30/2016
2015 FY
6/30/2015
2014 FY
6/30/2014
2013 FY
6/30/2013
2012 FY
6/30/2012
Balance Sheet ($000)
Total Assets 2,717,677 2,783,114 2,074,454 1,583,323 1,720,056
Total Net Loans 1,817,322 1,669,207 1,476,066 1,142,880 1,204,732
Total Deposits 1,802,696 1,872,126 1,583,047 1,154,750 1,466,175
Equity Attributable to Parent Company 359,976 371,050 377,151 367,515 172,485
Total Equity 359,976 371,050 377,151 367,515 172,485
Profitability (%)
Net Income($000) 11,456 8,025 10,342 9,053 4,527
Net Income Attributable to Parent($000) 11,456 8,025 10,342 9,053 4,527
ROAA 0.42 0.32 0.62 0.56 0.28
Core ROAA 0.49 0.53 0.73 0.57 0.33
ROAE 3.16 2.12 2.89 2.47 2.67
ROATCE 3.91 2.70 2.95 2.49 NA
Core ROAE 3.72 3.53 3.41 2.49 3.14
Net Interest Margin 3.37 3.64 3.79 3.81 4.02
Reported: Net Interest Margin 3.37 3.64 3.79 3.81 4.02
Efficiency Ratio 75.56 75.34 75.12 72.09 57.11
Noninterest Inc/ Operating Rev 14.05 13.51 13.73 16.35 13.81
Balance Sheet Ratios (%)
Loans/ Deposits 101.67 90.04 94.56 100.82 83.83
Securities/ Assets 8.47 10.29 8.31 1.68 2.19
Total Equity/ Total Assets 13.25 13.33 18.18 23.21 10.03
Tangible Equity/ Tangible Assets 12.61 12.62 17.59 23.21 10.02
Tang Common Equity/ Tang Assets 12.61 12.62 17.59 23.21 10.02
Asset Quality (%)
NPAs/ Assets 1.94 1.93 3.60 5.96 5.87
NPA Excl Restructured/ Assets 0.90 1.15 2.53 5.07 4.67
NPAs & 90+ PD/ Assets 1.94 1.93 3.60 5.96 5.87
NPAs/ Loans & REO 2.86 3.17 4.94 7.95 8.03
Nonaccrual & 90+ & OREO/ Assets 0.90 1.15 2.53 5.07 4.67
NPAs & 90+ PD/ Loans & REO 2.86 3.17 4.94 7.95 8.03
NPA & Loans 90+/ Tangible Common Equity + LLR 14.59 14.50 19.38 23.61 48.65
NCOs/ Avg Loans 0.06 0.07 0.19 0.34 2.37
Loan Loss Reserves/ Gross Loans 1.16 1.32 1.56 2.73 2.83
Reserves/ NPAs 40.37 41.61 31.34 34.01 34.79
Loan Loss Provision/ NCO 0 12.45 NM 26.65 50.91
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 317,258 326,969 NA 228,454 122,273
Tier 1 Capital($000) 317,258 326,969 303,631 228,454 122,273
Tier 2 Capital($000) 21,747 22,794 NA NA NA
Total Capital($000) 339,005 349,763 321,886 241,736 136,216
Total Risk-weighted Assets($000) 2,204,381 2,053,210 1,455,025 1,043,666 1,093,901
Tier 1 Common Capital (CET1) Ratio(%) 14.39 15.92 NA 21.89 11.18
Tier 1 Ratio(%) 14.39 15.92 20.87 21.89 11.18
Total Capital Ratio(%) 15.38 17.03 22.12 23.16 12.45
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.78 11.91 NA NA NA
Supplementary Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 17,998,750 19,488,449 20,632,008 20,824,900 NA
Avg Diluted Shares(actual) 17,606,689 19,117,902 18,715,669 19,941,687 NA
Basic Book Value per Share 20 19.04 18.28 17.65 NA
As-reported Book Value per Share 20 19.04 18.28 17.65 NA
Basic Tangible Book Value per Share 18.90 17.87 17.56 17.64 NA
Reported: Tangible Book Value 19.05 18.06 17.68 17.64 NA
Common Dividends Declared per Share 0 0 0 0 NA
EPS after Extra 0.65 0.42 0.54 0.45 NA
EPS after Extra Growth(%) 54.80 (22.20) 20 NA NA
Core EPS 0.77 0.70 0.64 0.45 NA
Core EPS Growth(%) 9.20 10.10 40.70 NA NA
Diluted EPS before Amortization 0.81 0.55 0.55 0.45 NA
Pre-Provision Earnings per Share 0.61 0.56 0.38 0.39 NA
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