Financial Highlights

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Financial Highlights
2017 FQ1 YTD
9/30/2016
2016 FY
6/30/2016
2015 FY
6/30/2015
2014 FY
6/30/2014
2013 FY
6/30/2013
Balance Sheet ($000)
Total Assets 2,754,109 2,717,677 2,783,114 2,074,454 1,583,323
Total Net Loans 1,869,362 1,817,322 1,669,207 1,476,066 1,142,880
Total Deposits 1,793,528 1,802,696 1,872,126 1,583,047 1,154,750
Equity Attributable to Parent Company 364,401 359,976 371,050 377,151 367,515
Total Equity 364,401 359,976 371,050 377,151 367,515
Profitability (%)
Net Income($000) 3,824 11,456 8,025 10,342 9,053
Net Income Attributable to Parent($000) 3,824 11,456 8,025 10,342 9,053
ROAA 0.55 0.42 0.32 0.62 0.56
Core ROAA 0.61 0.49 0.53 0.73 0.57
ROAE 4.22 3.16 2.12 2.89 2.47
ROATCE 4.95 3.91 2.70 2.95 2.49
Core ROAE 4.63 3.72 3.53 3.41 2.49
Net Interest Margin 3.44 3.37 3.64 3.79 3.81
Reported: Net Interest Margin 3.44 3.37 3.64 3.79 3.81
Efficiency Ratio 69.77 75.56 75.34 75.12 72.09
Noninterest Inc/ Operating Rev 14.87 14.05 13.51 13.73 16.35
Balance Sheet Ratios (%)
Loans/ Deposits 104.90 101.67 90.04 94.56 100.82
Securities/ Assets 8.18 8.47 10.29 8.31 1.68
Total Equity/ Total Assets 13.23 13.25 13.33 18.18 23.21
Tangible Equity/ Tangible Assets 12.62 12.61 12.62 17.59 23.21
Tang Common Equity/ Tang Assets 12.62 12.61 12.62 17.59 23.21
Asset Quality (%)
NPAs/ Assets 1.83 1.94 1.93 3.60 5.96
NPA Excl Restructured/ Assets 0.83 0.90 1.15 2.53 5.07
NPAs & 90+ PD/ Assets 1.83 1.94 1.93 3.60 5.96
NPAs/ Loans & REO 2.66 2.86 3.17 4.94 7.95
Nonaccrual & 90+ & OREO/ Assets 0.83 0.90 1.15 2.53 5.07
NPAs & 90+ PD/ Loans & REO 2.66 2.86 3.17 4.94 7.95
NPA & Loans 90+/ Tangible Common Equity + LLR 13.75 14.59 14.50 19.38 23.61
NCOs/ Avg Loans 0.07 0.06 0.07 0.19 0.34
Loan Loss Reserves/ Gross Loans 1.11 1.16 1.32 1.56 2.73
Reserves/ NPAs 41.60 40.37 41.61 31.34 34.01
Loan Loss Provision/ NCO 0 0 12.45 NM 26.65
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 325,230 317,258 326,969 NA 228,454
Tier 1 Capital($000) 325,230 317,258 326,969 303,631 228,454
Tier 2 Capital($000) 21,406 21,747 22,794 NA NA
Total Capital($000) 346,636 339,005 349,763 321,886 241,736
Total Risk-weighted Assets($000) 2,167,052 2,204,381 2,053,210 1,455,025 1,043,666
Tier 1 Common Capital (CET1) Ratio(%) 15.01 14.39 15.92 NA 21.89
Tier 1 Ratio(%) 15.01 14.39 15.92 20.87 21.89
Total Capital Ratio(%) 16 15.38 17.03 22.12 23.16
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.94 11.78 11.91 NA NA
Supplementary Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 17,999,150 17,998,750 19,488,449 20,632,008 20,824,900
Avg Diluted Shares(actual) 17,451,295 17,606,689 19,117,902 18,715,669 19,941,687
Basic Book Value per Share 20.25 20 19.04 18.28 17.65
As-reported Book Value per Share 20.25 20 19.04 18.28 17.65
Basic Tangible Book Value per Share 19.18 18.90 17.87 17.56 17.64
Reported: Tangible Book Value 19.31 19.05 18.06 17.68 17.64
Common Dividends Declared per Share 0 0 0 0 0
EPS after Extra 0.22 0.65 0.42 0.54 0.45
EPS after Extra Growth(%) 57.10 54.80 (22.20) 20 NA
Core EPS 0.24 0.77 0.70 0.64 0.45
Core EPS Growth(%) 44.20 9.20 10.10 40.70 NA
Diluted EPS before Amortization 0.26 0.81 0.55 0.55 0.45
Pre-Provision Earnings per Share 0.23 0.61 0.56 0.38 0.39
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