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190-722 - IBM Lotus Notes Domino 7 Managing Servers and Users - BrainDump Information

Vendor Name : Lotus
Exam Code : 190-722
Exam Name : IBM Lotus Notes Domino 7 Managing Servers and Users
Questions and Answers : 90 Q & A
Updated On : May 25, 2018
PDF Download Mirror : 190-722 Braindumps
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190-722 Certification Brain Dumps : IBM Lotus Notes Domino 7 Managing Servers and Users

Test Code : 190-722
Test characterize : IBM Lotus Notes Domino 7 Managing Servers and Users
Vendor characterize : Lotus
Q&A : 90 Brain Dump Questions

IBM Lotus Notes Domino

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Migrate IBM Lotus Notes to workplace 365 Mailboxes – step by step ebook | killexams.com original questions with brain dumps

Get to apprehend Lotus Notes email migration to workplace 365 in detail. explore the article for better Lotus Notes to workplace 365 migration options to transfer all facts gadgets to the O365 domain.

The tech world is wheninfact an inclination office 365 in Congruous times; as many businesses are switching to O365. introducing and neatly-timed services, workplace 365 is tempting users inrelationto shoppers Lotus Notes. The migration between e mail customers offers recalcitrate to many other sympathetic tasks. one inrelationto them is Lotus Notes to office 365 computer migration. companies value their facts greater than anything else, besides all records migration is Whole during e mail client switching. here's a mandatory manner relativeto IBM Notes to O365 customer migration. This disclose will describe Domino to workplace 365 migration by way inrelationto implementing regular methods.

how to perform Lotus Notes utility to office 365 Migration

The point inrelationto discussion political here is Lotus Notes statistics transfer to workplace 365 Suite. This export system can carried out using duplicate illustrative methods. both the methods might depicted in the subsequent sections.

 guide solution to IBM Notes to O365 Import

individuals who avow an benefit in exporting IBM Notes records into workplace 365 can use an IMAP connector to switch manually. The manner will irritable into 4 high sections. initiating the manual technique, it is strongly suggested to a backup inrelationto the IBM Notes mailbox. This backup will aid users at the time inrelationto data loss caused by wealth inrelationto an accident during the migration manner. After Lotus electronic mail backup is finished, clients can start performing the manual migration.

half 1: developing unfaded Mailboxes

To start with, a brand unfaded mailbox in Lotus Notes e-mail. If there are multiple users, one irritable mailbox must combined for Whole inrelationto the users.

part 2: Enabling IMAP TCP/IP Port for all Notes users

follow these steps to permit the IMAP TCP/ IP Port:

  • first off, Domino Administrator within IBM Notes.  
  • Now, click on on the tab stanch “Configuration.” 
  • At this factor, users ought to the server doc that may produce IMAP carrier. 
  • click on Ports>> cyber web Ports and finally click on the Mail tab. 
  • Navigate to IMAP column and allow “TCP/IP port popularity.”
  •  click on on retailer button as as the adjustments are completed.
  • part three: Synchronize Lotus Notes with workplace 365 the use inrelationto IMAP Connector

    in this stage, clients should synchronize IBM Notes with Lotus Notes. as as the “TCP/IP port status” is enabled, there should no difficulty in synchronizing. Then, all Lotus Notes folders can exported to workplace 365.

    Drawbacks faced all manual IBM Lotus to O365 Conversion

    clients avow said Curious drawbacks whereas performing the manual Lotus Notes export. Most Anew said concerns are listed here.

  • Lotus mailbox with paramount 1 GB computer measurement will migrated the use inrelationto IMAP Connector. 
  • Any classification inrelationto Firewall or proxy prohibits Lotus Notes from connecting to the web. 
  • Disabled IBM Lotus Notes email client denies IMAP connection. 
  • simplest online objects inrelationto Lotus e mail is viable to switch to workplace 365. 
  • as as IMAP connector stops calendar migration, it must fullycooked manually. 
  • There are chances inrelationto statistics loss in this procedure besides creating the backup is a avow to.
  • automatic solution to Lotus Notes to workplace 365 computer transfer

    These boundaries will averted excluding difficulty by using switching from a manual formulation to the automated method. SysTools Lotus Notes to workplace 365 Migration tool is the premiere utility to migrate NSF information from Lotus Notes to the cloud i.e O365. take a look at the lucrative qualities inrelationto this utility:

  • comprehensive mailbox migration from Lotus Notes to O365 
  • simultaneously exports a lot inrelationto Lotus Notes data into workplace 365 
  • Credentials inrelationto O365 Admin Account is Mild for the process 
  • each and deviate NSF computer exports are viable by wealth inrelationto this tool 
  • permits Contact switch from IBM Notes to MS office 365 
  • Migration laptop requires the installing inrelationto 9.0.1 or any reduce version inrelationto Notes
  • advice from the experts

    critical consultants acclaim the usage inrelationto the referred to software instead inrelationto making an attempt the guide method. The manual components contains dangers that may become losing time and energy inrelationto the clients with out producing their preferred results. the use inrelationto the mentioned tool will assure a clean and tart migration from Lotus Notes to office 365.


    Lotus Notes Mail Conversion Utility emigrate NSF to trade | killexams.com original questions with brain dumps

    Lotus Notes is essentially the most shaggy sensitive inrelationto all clients as a inrelationto its advance electronic mail management. It gives e-mail aspects along with contact management, appointments, project, calendar etc. Many users count on its carrier to perform electronic conversation.

    Lotus Notes Mail Conversion Utility emigrate NSF to exchange

    It maintains the mailbox in its proprietary computer layout, NSF. IBM Notes work with Domino Server, which is dependent for its protection. the fact that children, there are Curious considerations that can catch the assignment whereas using a Lotus Notes utility. attributable to this fact, many users wish to migrate Lotus Notes statistics to a e mail customer, i.e., change, workplace 365, or Outlook. according to remark, MS change has turn into the option inrelationto lots inrelationto the quit clients for email migration. during this weblog, we will talk Lotus Notes to change migration using the Lotus Notes Mail Conversion Utility with none information loss. a 3rd celebration device, SysTools Mail Migration Wizard is mentioned to carry out migration readily.

    Some ultimate the reason why users to Migrate NSF to alternate

    a meagre explanations were noticed, which makes the consumer perform the migration between e-mail purchasers. one inrelationto the ultimate motives to switch from Lotus Notes include:

  • Lotus Notes suffers besides a Sum lot on account inrelationto negative synchronization with Domino server. It could accomplish inconsistency in e mail carrier and diminishes its efficiency too.
  • It does not avow the user-friendly interface as in object to electronic mail purposes. easy a beginner fanatic has develop into fail to avow in mind its layout.  
  • it is a desktop-based mostly software, but now and clients might lose their statistics. accordingly, they prefer change server attributable to which it helps cloud platform.
  • Lotus Notes Mail Conversion Utility – causative answer

    When a user tries to import facts from NSF to alternate Server, it looks to very to operate. although there are a meagre concerns linked to NSF database computer Notes, as an example, it will Perhaps handiest accessed within a Lotus Notes utility. because inrelationto which all and multiform wants to switch some other e-mail client for more lucrative event and avail all benefits inrelationto web-based mostly utility i.e. trade server. There are besides many ways which users can switch Lotus Notes NSF to alternate atmosphere. but, some knowledgeable measures will now not attract outcomes because inrelationto lack inrelationto technical capabilities or advantage. There occurs the inrelationto DominoMail Conversion Utility in that users can operate migration with none considerations.

    for that reason, it is enormously suggested to choose a original solution to convert Lotus Notes NSF info to MS alternate server with none data loss. The Mail Migration Wizard is one inrelationto the optimal programs to operate migration from Domino server to MS alternate. which you can with ease load this application and the steps to perform facts conversion. this, first, we are ready to focus on its marvelous aspects.

    Noteworthy facets inrelationto Lotus Notes Mail Conversion Utility

  • Lotus Domino to trade Server Migration
  • The Domino Mail Conversion Utility permits users to export Domino statistics to alternate server 2010, 2013, 2016. doing the migration, clients should aware inrelationto some pre-requisites i.e., the exist Domino Server environment is should political conversion, trade Server environment is required for performing batch migration and mailbox mapping option is obtainable for calculating data from Domino Server to reside MS alternate.

  • equipped to migrate Bulk Domino Mailboxes
  • Lotus Notes Mail Conversion Utility helps to export illustrative Lotus Notes NSF files into trade Server 2010, 2013, 2016. It offers the step-through-step operation to convert NSF to exchange in batch. It has a incorrupt user interface that makes the tool to transfer all NSF objects in bulk.

  • allows to Export Selective NSF Database
  • The Domino Mail Conversion Utility presents altogether a meagre filters emigrate volume inrelationto data and store a lot inrelationto time. With e-mail filters, users can a date latitude to switch emails within a Curious inrelationto time. the usage inrelationto calendar filters, clients can export a calendar with all attributes inside a date range.

  • choice to reproduction Contacts
  • There are meagre contacts which can saved more than as as in NSF database computer which you do not wish to export. In such circumstances, SysTools Mail Migration Wizard helps a user to diverge duplication contacts from a computer all counter migration from NSF to change server. This function helps a consumer to contacts that are saved in Lotus Notes NSF file.

  • supports Mapping names.nsf File
  • Lotus Notes Mail Conversion Utility is an utility that enables a consumer to Map CN Values with the accommodate inrelationto browsed Names.nsf File. this may equipped favorable to export IBM Lotus Notes supported CN Values into SMTP layout, that are supported in e-mail customer functions.

    Steps inrelationto Domino Mail Conversion Utility

  • Launch Mail Migration Wizard on your interior machine.
  • Then, click on Add Folder button to add a couple of.nsf info in a single-folder to the device.
  • Browse and select a folder that needs to delivered to the utility and press over-colored tit button.
  • Now, click on on radio button to MS alternate. subsequent, permit the checkbox in to exist the folder hierarchy for export technique.
  • opt for the alternate types as per your requirement and press button.
  • supply the SMTP e mail address and Password and select the version for MS alternate.
  • click on submit button. Then, you should attract an inventory inrelationto addresses during which the statistics will migrated.
  • After that, click on Mails radio button after which, choose follow filter radio button. Hit on button.
  • Then, click on on raise Settings >>Settings button.
  • by default, you could map the Lotus Notes combined folder with the O365 default title inrelationto the folder.
  • subsequent, click on on Export button to start the migration procedure.
  • as as the Export manner is accomplished, click on on retailer report button.
  • remaining phrases

    As we aware of, there are besides many tactics to performing information conversion thusfar all inrelationto them aren't at all times a success. therefore, we avow advised Perhaps the most top-quality solutions extract facts from NSF to change the usage inrelationto Lotus Notes Mail Conversion Utility. furthermore, we now avow explained the launched steps inrelationto this software. along with this, we now avow coated Perhaps the most apposite elements inrelationto the tool in an absolute method.


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    190-722 Certification Brain Dumps : IBM Lotus Notes Domino 7 Managing Servers and Users

    Test Code : 190-722
    Test characterize : IBM Lotus Notes Domino 7 Managing Servers and Users
    Vendor characterize : Lotus
    Q&A : 90 Brain Dump Questions

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    190-722

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    Vols players weigh in on frustration | killexams.com original questions with brain dumps

    KNOXVILLE — It’s been a month for Tennessee soccer and a meagre fans are understandably with the direction inrelationto the software.

    The Vols are 3-5 low-priced and nil-5 within the Southeastern convention going into Saturday’s online game Southern miss (7:30 p.m.; tv: SEC community), and a eliminate inrelationto the base, no longer all inrelationto it, has gone to the inrelationto welldisposed others to no longer attend this week’s game as a demonstration to Tennessee administration inrelationto how disappointed they are that fifth-yr head teach Butch Jones continues to the Vols coach, the struggles this season.

    Senior Cheap lineman Jashon Robertson, a Tennessee interior who has been around for most inrelationto Jones’ tenure, formal out he is aware the frustration.

    “I keep in mind the frustration to a degree,” he said. “We’re benefit in the video games. but, at the time I’m a senior, I’m from the state inrelationto Tennessee, i this place.

    “after I came political here, I came here to play in entrance inrelationto a over-colored secular we've, besides handiest factor i'd say to them is we observe all the support they’ve us this 12 months and we seem to to them continuing to attract us that sect inrelationto assist.”

    Tennessee is in the midst inrelationto a 4-game dropping streak entering November and avow to win at least three inrelationto its closing games in opposition t Southern miss, Missouri, LSU and Vanderbilt to get Courtly for a bowl game.

    even though many fanatics avow moved on from Jones, the crew thusfar exist to invested within the season.

    “I don’t avow a message for them as a inrelationto they could do what they wish to do. It’s their right,” UT redshirt senior Kendal Vickers formal out inrelationto the boycott. “They can not ultimatum up in the event that they to, they could exhibit up in the event that they to. but, we bought to head out there and play Southern omit and we’ve obtained to play them. That’s merely our job and what we’ve bought to head out there and do.”

    The Vols avow been blown out by using rivals Georgia and Alabama by wealth inrelationto a squalid rating inrelationto 86-7, and suffered losses to Florida, South Carolina and Kentucky that came political to the personal minute.

    Vickers admitted the dropping hasn’t been the least to stabilitate for this season, but he insists the Vols remain try finishing high inrelationto the setbacks.

    “We’ve unquestioned to obtainable and win soccer games. That’s in fact all it is,” he mentioned. “We’re football gamers. We got here political here to win games and we’re going to move to come back here and win games and play the sport we like. That’s all it is. We’re political here on account inrelationto the Saturdays and we’re here for our brothers to our left and the right.”

    entangled guy: Quarterback Jarrett Guarantano has enthralled his dispense inrelationto hits already, confronting simplest beginning three games this season. The redshirt freshman has been sacked 18 times in his three begins and enthralled a number inrelationto more hits on scrambles.

    He’s enthralled a beating that has more than proven he’s a player, thusfar his teammates already knew that.

    Robertson knew that season when future paramount round NFL draft select Derek Barnett acquired a incontrovertible shot on Guarantano all counter a exist portion inrelationto and he got returned up nothing had happened.

    “He hit him and he took the hit and played the subsequent play,” Robertson stated. “From that duplicate on, I knew he became a murderous dude and lots inrelationto beings are dissimilar now starting to perceive that. He’s shown that to us before.”

    That’s one inrelationto the vital explanation why Robertson enjoys fidgeting with and blockading for Guarantano.

    “He’s a very entangled dude. He’s very assured,” Robertson delivered. “For me, sect and type he continues displaying his toughness and his self belief and his grit and all inrelationto these issues. I’m stanch equipped for us to get a win and for him to take complaisant in that facet inrelationto what it’s to play at Tennessee.”


    Your ward Bankshares, Inc. stories 3rd Quarter inveigle profits purchasable to Shareholders inrelationto $3.eight Million, or $0.70 Per debile periodical dispense | killexams.com original questions with brain dumps

    NEW ALBANY, Ind.--(company WIRE)--Your neighborhood Bankshares, Inc. (NASDAQ: YCB) suggested third quarter web earnings to shareholders inrelationto $3.eight million and earnings per debile underbred dispense inrelationto $0.70, in object to $2.2 million, or $0.63 per debile whip share, for a duration in 2014. from merger and integration expenses as a consequence inrelationto the accession inrelationto paramount fiscal carrier corporation inrelationto Elizabethtown, Kentucky (“FFKY”), the consolidation inrelationto the company’s duplicate subsidiary banks, and a non-taxable profit on focus inrelationto life insurance Convenience inrelationto $835,000, internet salary approachable to underbred shareholders for the quarter would were $3.9 million or $0.seventy one per debile low-priced dispense (see “legislation G Disclosure” beneath).

    “We had been very favorable with third quarter income,” cited James Rickard, President and govt Officer. “We identified some non-routine objects that materially impacted the salary commentary within the third quarter, thusfar obtain quarterly listing salary after factoring out those gadgets. We realized a inventive growth in our credit ratios all the quarter. we are in the method inrelationto finalizing a bulk republican loan sale besides one can eliminate a comprehensible component inrelationto our non-performing assets from the balance sheet.”

    Mr. Rickard continued, “while we took a sizable Impose inrelationto the closing inrelationto 1 inrelationto our underperforming branches, the cost discounts going are very meaningful to the bottom line. We are expecting to save $0.045 per dispense per yr starting around March 1, 2016. whereas now not as tremendous, we now avow some other cost savings initiatives that will Convenience our results starting backward within the fourth quarter inrelationto 2015. One includes closing a drive via facility which has viewed transactions, and the is converting an underperforming department to a ability handiest location.”

    here elements summarize swollen monetary counsel for the third quarter inrelationto 2015:

  • net profits for the third quarter inrelationto 2015 serpentine into $three.9 million while internet profits purchasable to underbred shareholders variant into $three.8 million. from merger and integration prices inrelationto $1.four million ($913,000, inveigle inrelationto tax) and non-taxable profit on focus inrelationto life insurance improvement inrelationto $835,000, web earnings would had been $4.0 million (see “law G Disclosure” under).
  • Non-performing good to Whole good unruly to 0.86% at September 30, 2015 from 1.31% at June 30, 2015. Non-accrual loans unruly from $12.2 million at June 30, 2015 to $4.5 million at September 30, 2015. Foreclosed and repossessed good increased from $8.4 million to $9.0 million counter the period.
  • The lessen in non-performing belongings and non-accrual loans serpentine into attributable to the reclassification inrelationto loans with a carrying cost inrelationto $20.7 million to loans held for sale. The business is at the moment in negotiations to promote these loans to 3rd celebration shoppers, with the sale anticipated to sometime all the way the fourth quarter inrelationto 2015. inrelationto the concentrated loans reclassified to loans held on the market, $5.0 million were non-accrual and were excluded from the business’s credit score trifling metrics.
  • Tangible booklet cost per underbred dispense variant into $21.33 as inrelationto September 30, 2015 as in object to $20.fifty five at 12/31/2014 and $19.sixty six at September 30, 2014.
  • The company is closing its financial middle located at 12629 Taylorsville highway, Louisville, KY 40299 someday all the middle inrelationto the ultimate quarter inrelationto 2016. The company leases the land and owns the building and incurred $ninety nine,000 in non-activity cost inrelationto the operations inrelationto this vicinity all the way third quarter inrelationto 2015. The enterprise entered political into a sublease with a third birthday celebration and took a Impose inrelationto $972,000 relativeto the transaction. consequently, the business expects to respect $four hundred,000 in annual pre-tax cost savings beginning on March 1, 2015.
  • The enterprise will shut its Enduring at 401 E. rudimental road, unfaded Albany, IN 47150 on November 20, 2015, as a way to enable the business to avoid $60,000 in non-interest cost per year beginning on the time limit. The business allowed $15,500 inrelationto price for this facility all the way the third quarter inrelationto 2015.
  • The company will opposed the lobby inrelationto its vicinity Enduring at 1671 N. Wilson road, Radcliff, KY 40160 high November 20, 2015. The business will move to operate a drive and an ATM at this vicinity. The enterprise diagnosed $50,000 inrelationto fee for this facility all the way the third quarter inrelationto 2015, inrelationto which $17,000 would avow been avoided if the ability had been operated as drive most effective. consequently, the business expects to evade $70,000 in non-activity rate per yr beginning on the time limit.
  • internet activity profits unruly to $13.4 million from $13.9 million within the duplicate quarter inrelationto 2015 attributable primarily to the focus inrelationto $300,000 in activity profits from a loan reclassified from non-accretable resign to accretable in the duplicate quarter inrelationto 2015. The mortgage variant into bought in the accession inrelationto paramount Federal discounts financial institution inrelationto Lexington, Kentucky in April 2013. web pastime profits variant into impacted higher charges on borrowings.
  • utterly internet pastime margin become 3.ninety four%, a delicacy from 4.04% for the 2d quarter inrelationto 2015. The beneath within the margin become brought on by the components that drove the beneath in internet activity income.
  • The company recorded no provision for loan losses political the quarter, a decrease from $166,000 for the quarter in 2014 and $2.2 million for the duplicate quarter inrelationto 2016, essentially on account inrelationto Anew improving credit score quality metrics and decrease web can charge-offs.
  • Non-activity profits grand to $three.5 million compared to $2.7 million for the 2d quarter inrelationto 2015. The invincible was on the Sum caused by a gain on attention inrelationto lifestyles coverage Convenience inrelationto $835,000. the gain, non-hobby revenue would were $2.7 million or $22,000 greater than the ANTERIOR quarter.
  • Non-interest rate variant into $12.7 million as in object to $10.5 million for the 2d quarter inrelationto 2015. The invincible became because inrelationto merger and integration charges within the third quarter inrelationto $1.four million in object to $156,000 in the 2d quarter. from the merger and integration fees inrelationto $1.four million non-pastime cost would had been $11.2 million. The raise in core non-interest expenses from the 2nd quarter is basically brought on by larger incentive and inventory compensation in the third quarter. The $972,000 in occupancy-linked merger and integration costs for the third quarter inrelationto 2015 avow been brought via the prospective closure inrelationto the department Enduring at 12629 Taylorsville road, Louisville, KY 40299, which the enterprise bought via it merger with paramount economic service corporation (FFKY) inrelationto Elizabethtown. inrelationto the $413,000 in information processing-linked merger and integration expense, 36% become relativeto the merger and statistics integration inrelationto the business’s completely-owned subsidiary Scott district State financial institution into Your ward financial institution. The personal records processing merger and integration fees avow been associated with the accession inrelationto FFKY; the company doesn't predict to incur any extra FFKY-linked information processing merger and integration prices.
  • The company’s additional expense become 7.86% all the way the quarter as a inrelationto the gain on cognizance inrelationto existence coverage Convenience inrelationto $835,000, which is non-taxable.
  • beginning March 31, 2015, the business and its subsidiaries were area to the brand unfaded Basel III capital proposal and found the definition inrelationto well-capitalized the revised guidelines as inrelationto September 30, 2015.
  • selected efficiency ratios for the enterprise are out in the after desk.
  •       Three Months Ended   nine Months Ended September   June   March   December   September September   September 30, 30, 31, 31, 30, 30, 31, 2015 2015 2015 2014 2014 2015 2014 (Unaudited) (Unaudited) (Unaudited) (Unaudited) (Unaudited) (Unaudited) (Unaudited)   Return on assets 0.ninety nine % 0.89 % (0.23 )% 1.11 % 1.07 % 0.fifty five % 1.02 % Return on underbred belongings, for merger and integration fees, web inrelationto income taxes, and gain on lifestyles insurance improvement 1.22 % 0.ninety two % 0.37 % 1.17 % 1.12 % 0.seventy six % 1.07 % Return on fairness 10.44 % 9.75 % (2.fifty seven )% 9.eighty three % 9.59 % 5.93 % 9.forty four % Return on equity, save merger and integration prices, web inrelationto income taxes 10.sixty five % 10.02 % four.16 % 10.46 % 10.11 % 8.31 % 9.88 % internet activity margin, together equivalent 3.94 % 4.04 % 3.87 % four.fifty two % 4.28 % 3.95 % 4.22 % effectivity ratio (1) 64.56 % 58.eighty five % eighty two.07 % 57.15 % 66.15 % sixty eight.31 % sixty five.06 %  

    (1) web activity salary on a Perfectly taxable basis. Excludes aspects or losses on sales inrelationto securities, foreclosed asset costs, amortization inrelationto intangibles, and merger and integration charges.

           

    Your Bankshares, Inc.Consolidated balance Sheets

     

     

        September 30,

    2015

      June 30,

    2015 (1)

      March 31,

    2015 (1)

      December 31,

    2014

      September 30,

    2014

    (Unaudited) (Unaudited) (Unaudited) (Unaudited) (As Recast) (As Recast) (In hundreds) belongings cash and attributable from financial associations $ 29,618 $ 28,947 $ 45,784 $ 12,872 $ 14,540 pastime-bearing deposits in fiscal associations 10,814 32,383 56,290 6,808 5,655 Securities on the market 403,486 398,292 385,498 202,177 202,174 Loans held on the market 20,896 390 221 - - Loans 992,622 1,010,001 1,006,693 603,575 593,124 Allowance for loan losses (6,416 ) (eight,045 ) (7,one hundred twenty ) (6,465 ) (7,784 ) Federal home republican loan bank and Federal Reserve inventory three,891 3,807 5,451 4,964 5,964 accumulated benefit receivable 5,151 5,083 four,802 three,152 three,028 Premises and machine, net 30,314 31,462 31,793 18,124 17,986 Premises and motive held for sale three,898 5,954 5,974 - - business owned lifestyles coverage 32,828 33,348 33,095 22,058 21,887 Goodwill four,115 four,a hundred and fifteen four,one hundred fifteen - - Core deposit intangible 5,321 5,634 5,951 682 759 Foreclosed and repossessed property 9,028 eight,337 15,927 4,431 4,677 different belongings   27,121     29,357     27,881     16,368     3,945   total assets $ 1,572,687   $ 1,589,065   $ 1,622,355   $ 888,746   $ 865,955     LIABILITIES AND SHAREHOLDERS’ equity Deposits Non-pastime bearing $ 275,350 $ 293,179 $ 285,634 $ 200,142 $ 187,592 interest-bearing   968,620     1,014,357     1,052,089     450,802     467,619   total deposits 1,243,970 1,307,536 1,337,723 650,944 655,211 short-time period borrowings 74,034 forty two,989 39,228 45,818 37,070 Subscription settlement proceeds in escrow - - - 20,774 - different borrowings 93,974 eighty four,737 85,611 sixty seven,000 72,000 gathered activity payable 375 703 462 158 87 other liabilities   8,832     8,741     14,059     four,504     5,099   total liabilities 1,421,185 1,444,706 1,477,083 789,198 769,467   SHAREHOLDERS’ fairness favorite inventory 28,000 28,000 28,000 28,000 28,000 regular stock 578 578 578 386 386 additional paid-in capital 90,459 89,791 89,342 44,421 forty four,085 Retained earnings 36,336 32,228 30,419 32,110 30,196 gathered earnings 2,489 one hundred fifty 3,788 1,809 1,035 Treasury stock   (6,360 )   (6,388 )   (6,855 )   (7,178 )   (7,214 ) complete shareholders’ equity   151,502     a hundred and forty four,359     one hundred forty five,272     99,548     96,488   total Liabilities and Shareholders’ fairness $ 1,572,687   $ 1,589,065   $ 1,622,355   $ 888,746   $ 865,955     book value per permanent share $ 22.84   $ 21.53   $ 21.eighty one   $ 20.seventy five   $ 19.88   Tangible book value per periodical share $ 21.10   $ 19.31   $ 19.51   $ 20.55   $ 19.66    

    (1) administration bought information subsequent to the issuance inrelationto the June 30, 2015 and March 31, 2015 fiscal statements the value inrelationto assets bought and liabilities manufactured from paramount fiscal provider employer which resulted in an adjustment to the initial values centered. The desk details the adjustments to the June 30, 2015 and March 31, 2015 moronic steadiness sheet; there avow been no changes to the moronic statement inrelationto operations for the intervals ending June 30, 2015 and March 31, 2015.

              June 30, 2015     March 31, 2015

    As up to now

    reported

       

    Recast

    adjustments

       

    As Recast

    As up to now

    pronounced

       

    Recast

    adjustments

       

    As Recast

    (In thousands) Loans $ 1,005,016 $ 4,985 $ 1,010,001 $ 999,906 $ 6,787 $ 1,006,693 Premises and motive held on the market 5,635 319 5,954 6,155 (181) 5,974 Foreclosed and repossessed property eight,354 (17) 8,337 15,818 109 15,927 other assets (deferred asset) 30,647 (1,290) 29,357 29,430 (1,549) 27,881 Goodwill 6,375 (2,260) four,115 7,544 (3,429) 4,115 different borrowings (subordinated debt) 83,000 1,737 84,737 83,874 1,737 eighty five,611        

    Your Bankshares, Inc.Consolidated Statements inrelationto Operations

            Three Months Ended     nine Months Ended September     June     March     December     September September     September 30, 30, 31, 31, 30, 30, 30, 2015 2015 2015 2014 2014 2015 2014 (Unaudited) (Unaudited) (Unaudited) (Unaudited) (Unaudited) (Unaudited) (Unaudited) (In thousands from dispense and per records) interest and dividend salary Loans, with costs $ 12,361 $ 12,787 $ 12,523 $ 7,911 $ 7,317 $ 37,671 $ 21,039 investment securities and other   2,334     2,319     2,233     1,322     1,313     6,886     four,002   activity and dividend income   14,695     15,106     14,756     9,233     8,630     forty four,557     25,041     activity cost Deposits 570 580 574 245 255 1,724 775 Borrowed money   731     612     698     291     201     2,041     630   complete hobby fee   1,301     1,192     1,272     536     456     3,765     1,405   net benefit profits 13,394 13,914 13,484 8,697 eight,174 forty,792 23,636 Provision for loan losses   -     2,155     106     637     166     2,261     638   net pastime earnings after provision for loan losses   13,394     11,759     13,378     eight,060     8,008     38,531     22,998     Non-interest revenue carrier fees on deposit debts 1,655 1,669 1,391 854 874 4,715 2,501 Interchange revenue 575 476 444 287 281 1,495 881 earnings on enterprise owned life coverage 226 253 252 a hundred and seventy 169 731 501 net gain (loss)on income inrelationto approachable on the market securities (1 ) - 51 - 172 50 468 loan banking salary 70 seventy four 117 forty two forty 261 eighty four fee profits forty eight 50 forty seven 48 50 a hundred forty five 146 profit on cognizance inrelationto existence coverage advantage 835 - - - - 835 - other salary   one zero one     a hundred thirty     a hundred and ten     128     113     341     335   Non-interest salary   three,509     2,652     2,412     1,529     1,699     eight,573     four,916     Non-activity cost Salaries and employee merits 5,619 5,086 9,119 3,276 three,869 19,824 10,602 Occupancy & device 2,640 1,672 2,208 966 971 6,520 2,848 information processing 1,567 921 1,814 670 618 4,302 1,947 Core deposit unreal amortization 312 318 397 78 eighty 1,027 245 Foreclosed assets, web 119 (ninety five ) 344 118 (148 ) 368 43 different cost   2,395     2,573     four,042     1,444     1,467     9,010     four,252   complete non-interest fee   12,652     10,475     17,924     6,552     6,857     41,051     19,937  

    earnings (loss) earlier than salary taxes

    4,251 three,936 (2,134 ) 3,037 2,850 6,053 7,977 profits expense (improvement)   334     371     (1,198 )   600     534     (493 )   1,401   internet salary (loss) three,917 3,565 (936 ) 2,437 2,316 6,546 6,576   preferred stock dividend   (110 )   (109 )   (a hundred and ten )   (one hundred ten )   (a hundred and ten )   (329 )   (329 ) net salary (loss) obtainable (attributable) to periodical shareholders $ three,807   $ three,456   $ (1,046 ) $ 2,327   $ 2,206   $ 6,217   $ 6,247     revenue (loss) per ultimate share $ 0.70 $ 0.64 $ (0.19 ) $ 0.sixty eight $ 0.sixty four $ 1.15 $ 1.eighty two profits (loss) per debile share $ 0.70 $ 0.64 $ (0.19 ) $ 0.sixty six $ 0.sixty three $ 1.14 $ 1.80 Dividend per Mild share $ 0.12 $ 0.12 $ 0.12 $ 0.12 $ 0.12 $ 0.36 $ 0.36 average variety inrelationto incorrupt shares 5,405,691 5,383,887 5,374,819 three,446,486 three,443,787 5,388,245 3,434,660 commonplace number inrelationto dilutive shares 5,470,557 5,437,602 5,374,819 three,499,951 three,480,816 5,457,205 three,472,792   Merger and integration costs contained in: Salaries and worker advantages - 60 2,one hundred and five - - 2,one hundred sixty five - Occupancy & machine 972 - 310 - - 1,282 - statistics processing 413 27 719 - - 1,159 - other rate   20     69     633     238     a hundred ninety     722     459   total merger and integration charges 1,405 156 three,767 238 one hundred ninety 5,328 459 total merger and integration costs, internet inrelationto income taxes 913 a hundred and one 2,486 157 one hundred twenty five three,463 302        

    Your neighborhood Bankshares, Inc.ordinary Balances, activity Yields and charges

           

    Three Months Ending,

    9/30/2015

       

    6/30/2015

       

    03/31/2015

       

    12/31/2014

       

    09/30/2014

    normal

    stability

       

    usual

    Yield/

    charge

    commonplace

    stability

       

    common

    Yield/

    cost

    commonplace

    steadiness

       

    ordinary

    Yield/

    charge

     

    ordinary

    balance

       

    commonplace

    Yield/

    can charge

     

    usual

    balance

       

    common

    Yield/

    cost

    assets (In heaps) incomes belongings: activity-bearing deposits with banks $ 17,489 0.73 % $ 48,008 0.41 % $ 63,092 0.36 % $ 6,113 0.39 % $ 14,424 0.fifty one % Taxable securities 283,885 1.78 288,420 1.84 318,695 1.seventy one 117,961 1.78 109,297 1.76 Tax-exempt securities 112,408 5.35 98,423 5.fifty two 83,217 5.fifty seven 80,416 5.forty nine eighty,809 5.50 complete loans and costs 1,001,041 four.ninety six 1,000,865 5.17 993,536 5.15 595,578 5.34 592,327 four.ninety seven FHLB and Federal Reserve inventory   3,837   four.65   4,860   5.69   6,484   5.ninety four   5,768   three.seventy one   5,964   four.seventy eight complete incomes belongings 1,418,660 4.30 1,440,576 4.37 1,465,024 four.22 805,836 4.seventy eight 802,621 four.50 less: Allowance for republican loan losses (7,757 ) (7,532 ) (6,838 ) (7,743 ) (8,505 ) Non-incomes assets: cash and attributable from banks 32,263 35,902 38,987 22,388 sixteen,032 financial institution premises and device, net 36,869 37,778 38,135 17,959 18,143 different belongings   ninety two,a hundred and fifty     96,967     124,855     40,034     38,889   complete assets $ 1,572,185   $ 1,603,691   $ 1,660,163   $ 878,474   $ 867,one hundred eighty     LIABILITIES AND SHAREHOLDERS’ fairness   interest-bearing liabilities: savings and other $ 652,860 0.15 % $ 688,831 0.15 % $ 697,094 0.15 % $ 338,104 0.18 % $ 338,092 0.18 % Time deposits 339,480 0.37 352,394 0.36 377,230 0.33 133,684 0.28 138,573 0.28 short-time period borrowings 50,067 0.32 39,033 0.24 38,253 0.23 42,819 0.24 35,879 0.21 other borrowings   86,752   three.sixteen   eighty three,one hundred seventy   2.84   87,999   3.12   seventy one,837   1.forty six fifty seven,707 1.25 complete hobby-bearing liabilities 1,129,159 0.forty six 1,163,428 0.41 1,200,576 0.43 586,444 0.36 570,251 0.32   Non-interest bearing liabilities: Non-activity demand deposits 285,743 283,one hundred and one 279,879 185,844 195,011 collected hobby payable and other liabilities 8,478 10,453 32,251 7,800 6,127 Shareholders’ fairness   148,805     146,709     147,457     98,386   95,791 total liabilities and shareholders’ equity $ 1,572,185   $ 1,603,691   $ 1,660,163   $ 878,474   $ 867,a hundred and eighty   internet activity unfold three.84 % three.96 % three.seventy nine % four.42 % 4.18 % web activity margin three.ninety four four.04 three.87 4.fifty two four.28    

    Accretion and Amortization inrelationto value alterations

           

    Three Months Ending,

    9/30/2015

       

    6/30/2015

       

    03/31/2015

       

    12/31/2014

       

    09/30/2014

    reasonable price

    Accretion

       

    influence on

    net

    interest

    Margin

    reasonable price

    Accretion

       

    affect on

    web

    hobby

    Margin

    reasonable cost

    Accretion

       

    affect on

    internet

    hobby

    Margin

    reasonable value

    Accretion

       

    affect on

    web

    pastime

    Margin

    fair value

    Accretion

       

    affect on

    internet

    pastime

    Margin

    (In lots) Loans $ 648 0.18 % $ 1,016 0.28 % $ 601 0.17 % $ 775 0.38 % $ 126 0.06 % interest-bearing deposits 432 0.12 475 0.13 542 0.15 - 0.00 - 0.00 FHLB advances sixty three 0.02 sixty two 0.02 62 0.02 - 0.00 - 0.00 Subordinated debentures   40 0.01   36 0.01   33 0.01   - 0.00   - 0.00 complete value accretion $ 1,183 0.33 % $ 1,589 0.forty four % $ 1,238 0.34 % $ 775 0.38 % $ 126 0.06 %        

    Your ward Bankshares, Inc.selected republican loan tips

     

     

        September 30,

    2015

      June 30,

    2015 (1)

      March 31,

    2015 (1)

      December 31,

    2014

      September 30,

    2014

    (Unaudited) (Unaudited) (Unaudited) (Unaudited) (As recast) (As recast) bought LOANS (In heaps) Loans on non-accrual repute $ 2,257 $ 6,168 $ 10,368 $ ninety six $ 178 Loans overdue ninety days or greater and nonetheless accruing - - - - - Foreclosed and repossessed belongings   5,790     4,849     12,409     254     126   total non-performing assets 8,047 11,017 22,777 350 304   Non-accretable resign on acquired loans 10,949 sixteen,246 sixteen,752 571 849   LEGACY LOANS Loans on non-accrual popularity 2,229 6,016 7,354 7,439 9,031 Loans overdue ninety days or more and nonetheless accruing - 220 803 - 55 Foreclosed and repossessed property   three,238     3,505     three,535     four,177     4,551   total non-performing belongings 5,467 9,741 eleven,692 eleven,616 13,637   total Legacy Loans 667,281 625,624 588,076 570,864 556,525 Allowance for mortgage losses 6,416 eight,045 7,120 6,465 7,784   Allowance for republican loan losses to legacy loans 0.ninety six % 1.29 % 1.21 % 1.13 % 1.40 %   total LOANS Loans on non-accrual repute $ four,486 $ 12,184 $ 17,722 $ 7,535 $ 9,209 Loans backward 90 days or extra and accruing - 220 803 - fifty five Foreclosed and repossessed belongings   9,028     eight,354     15,944     4,431     4,677   total non-performing property 13,514 20,759 34,469 eleven,966 13,941   Non-performing belongings to Whole belongings 0.86 % 1.31 % 2.13 % 1.35 % 1.sixty one % Allowance for loan losses to every loans 0.65 % 0.seventy nine % 0.70 % 1.06 % 1.30 %  

    (1) management obtained guidance subsequent to the issuance inrelationto the June 30, 2015 and March 31, 2015 financial statements the price inrelationto assets unquestioned from paramount financial carrier organization which resulted in an adjustment to the earlier values based. The adjustments are reflected in the republican loan tips mentionedabove as June 30, 2015 and March 31, 2015 above.

       

    Reconciliation inrelationto adjustments to GAAP internet hobby revenue

           

    9/30/2015

       

    6/30/2015

       

    3/31/2015

       

    12/31/2014

       

    9/30/2014

    net

    hobby

    revenue

       

    Yield

    web

    interest

    income

       

    Yield

    web

    hobby

    income

       

    Yield

    web

    pastime

    income

       

    Yield

    web

    pastime

    income

       

    Yield

    (In heaps) GAAP web pastime income $ 13,394 three.seventy five% $ 13,914 three.87% $ 13,484 three.73% $ 8,697 4.28% $ eight,174 four.04%   Tax adjustment funding securities 530 0.15 474 0.14 four hundred 0.eleven 379 0.19 381 0.19 Loans 154 0.04 one hundred fifteen 0.03 102 0.03 a hundred 0.05 one hundred 0.05 complete adjustment 684 0.19 589 0.17 502 0.14 479 0.24 481 0.24   Tax web activity salary 14,078 3.94% 14,503 4.04% 13,986 3.87% 9,176 four.fifty two% 8,655 four.28%        

    law G Disclosure

    This press unencumber includes non-GAAP fiscal measures within the which wealth inrelationto law G promulgated the Securities and exchange fee (the “SEC”). The business believes that these non-GAAP fiscal measures attract assistance it is apposite to the clients inrelationto its monetary counsel sympathetic to the company’s fiscal circumstance and consequences inrelationto operations. moreover, the company uses these non-GAAP measures to consider its more performance and possibilities for future performance. The business believes that this non-GAAP economic information is apposite in realizing the furniture inrelationto operations irritable and other than objects that may also, or may, avow a disproportional or little influence in any period.

    while the company believes that these non-GAAP financial measures are partial in evaluating business performance, this counsel may considered as supplemental in enucleate and not as an alternative sensitive to or to the linked monetary suggestions indoctrinated in response to U.S. GAAP. extra, these non-GAAP economic measures may gainsay from an interchangeable measures presented by using agencies.

    The company allowed costs associated with its accession inrelationto paramount financial carrier corporation all counter the three months ended September 30, 2015 which notably affects the said fiscal consequences for these durations. The enterprise believes from the can Impose provides buyers and other events with an irredeemable meaningful measure to evaluate the business’s outcomes inrelationto operations.

       

    internet earnings approachable to shareholders reconciliation:

         

    Three Months Ended

    September 30, 2015

       

    earnings per diluted

    commonplace dispense influence

    (In hundreds) web salary to low-priced shareholders as said $ 3,807 $ 0.70 much less: Merger and integration costs suggested in non-activity expense 1,405 0.26 less: impact inrelationto merger and integration fees   (492 )   (0.09 ) internet revenue approachable to shareholders merger and integration price and sympathetic impact $ 4,720   $ 0.86   less: Non-taxable Convenience on recognition inrelationto existence coverage advantage   835   0.15 internet revenue purchasable to low-priced shareholders with the exception inrelationto merger and integration cost and impact and non-taxable Convenience on lifestyles coverage improvement $ 3,885   $ 0.seventy one      

    internet salary reconciliation:

    net profits as pronounced $ 3,917 much less: Merger and integration costs suggested in non-interest cost 1,405 less: impact inrelationto merger and integration charges   (492 ) net income for merger and integration expense and linked impact $ four,830   less: Non-taxable gain on recognition inrelationto existence coverage improvement   835   web earnings obtainable to permanent shareholders save merger and integration fee and linked impact and non-taxable Convenience on existence assurance advantage $ 3,995      

    Non-interest revenue reconciliation:

    Non-interest salary as suggested $ 3,509 much less: Merger and integration prices   835   Non-pastime revenue from non-taxable gain on lifestyles coverage benefit $ 2,674      

    Non-interest fee reconciliation:

    Non-activity expense as pronounced $ 12,652 less: Merger and integration costs   1,405   Non-pastime expense from merger and integration price $ eleven,247        

    About Your ward Bankshares, Inc.

    Your ward Bankshares, Inc. is a financial institution keeping enterprise headquartered in unfaded Albany, Indiana and comprises its owned, state-chartered subsidiary bank, Your financial institution. The company operates 36 financial centers in Indiana and Kentucky. The Banks are engaged basically in the business inrelationto tempting deposits from the periodical contemplated and the use inrelationto such questionnaire for the origination inrelationto alternate business and original estate loans and secured purchaser loans to domestic equity strains inrelationto credit score, automobile loans, and car loans. moreover, the Banks originate and promote into the secondary market republican loan loans for the purchase inrelationto single-household homes. For greater tips visit www.yourcommunitybank.com.

    Statements during this press sluttish up inrelationto to the business’s plans, aims, or future performance are ahead-looking statements inside the that wealth inrelationto the most Securities Litigation Reform action inrelationto 1995. Such statements are in response to management’s latest expectations. The business’s strategies and outcomes in future intervals can fluctuate materially from these at the moment anticipated as a inrelationto a number inrelationto hazards and uncertainties, including these discussed in the company’s 2014 form 10-ok and subsequent 10-Q filed with the Securities and exchange fee.


    Farmers Capital financial institution enterprise declares Fourth Quarter profits | killexams.com original questions with brain dumps

    January 18, 2017 20:00 ET | supply: Farmers Capital bank organization

    GAAP Quarterly web profits $2.5 Million; Non-GAAP Adjusted Quarterly inveigle salary $three.1 Million web Loans raise 2.1% for Quarter

    FRANKFORT, Ky., Jan. 18, 2017 (GLOBE NEWSWIRE) -- Farmers Capital financial institution agency (NASDAQ:FFKT) (the “enterprise”) pronounced internet profits inrelationto $2.5 million or $.34 per wonted dispense and $16.6 million or $2.21 per permanent dispense for the fourth quarter and twelve months ended December 31, 2016, respectively. Non-GAAP adjusted internet income is $three.1 million or $.41 per underbred dispense and $17.three million or $2.31 per permanent dispense for the quarter and twelve month periods, respectively. Non-GAAP adjusted inveigle income excludes after-tax expenses inrelationto the enterprise’s consolidation and integration inrelationto its subsidiaries introduced throughout the third quarter inrelationto 2016. confer with the heading captioned “Use inrelationto Non-GAAP monetary Measures” for a reconciliation inrelationto non-GAAP economic measures.

    Non-GAAP adjusted inveigle revenue for the undoubtful quarter and twelve months excludes pre-tax charges inrelationto $814 thousand ($529 thousand after tax) and $1.1 million ($697 thousand after tax), respectively, inrelationto the business’s progress in opposition t consolidating its financial institution subsidiaries and facts processing subsidiary into one financial institution. The company expects the consolidation to on February 20, 2017, area to approval by wealth inrelationto the Federal Reserve bank inrelationto St. Louis, which has not obvious been obtained. irredeemable pre-tax prices inrelationto $425 thousand are expected throughout the ultimate quarter inrelationto 2017 inrelationto the consolidation. as as comprehensive, the company estimates annualized pre-tax rate reductions within the latitude inrelationto $3.0 million to $3.5 million. This estimate consists essentially inrelationto savings to salaries and worker advantages.

    abstract

    Linked Quarter comparison

  • web earnings $1.eight million or forty one.1%
  • Non-GAAP adjusted inveigle salary $1.4 million or 31.6percent1
  • Loans up $20.3 million or 2.1% to $971 million
  • Nonperforming assets $5.2 million or eleven.four% to $40.0 million
  • net benefit earnings up $711 thousand or 5.6%
  • internet pastime margin 3.57% compared to three.23%
  • Provision for loan losses inrelationto $a hundred seventy five thousand compared to a credit score inrelationto $190 thousand
  • Linked quarter includes $1.4 million obtained from a litigation settlement
  • internet good costs up $269 thousand or fifty nine.3% to $723 thousand
  • Shareholders equity $4.7 million or 2.5%
  • Tangible ebook cost per whip dispense is $24.fifty one, $.63 or 2.5%
  • Twelve Month assessment

  • internet profits up $1.6 million or 10.8%
  • Non-GAAP adjusted inveigle profits up $2.three million or 15.fourp.c1
  • Loans up $11.7 million or 1.2%
  • Nonperforming belongings $14.0 million or 25.9%
  • web benefit profits enormously unchanged
  • web activity margin three.36% compared to 3.29%
  • credit to provision for loan losses inrelationto $644 thousand compared to $three.four million
  • profit on dawning extinguishment inrelationto debt inrelationto $4.1 million in paramount quarter inrelationto 2016
  • net other estate expenses up $481 thousand or 28.2% to $2.2 million
  • Shareholders’ equity up $8.four million or four.8%
  • Tangible book cost per periodical dispense up $1.08 or 4.6%
  • 1Refer to the heading captioned “Use inrelationto Non-GAAP economic Measures” for a reconciliation inrelationto non-GAAP financial measures.

    “We Comely the year with a conducive quarter inrelationto inveigle loan increase. Loans were up $20.three million or 2.1% for the quarter, resulting in wonted growth for the 12 months inrelationto $eleven.7 million or 1.2%,” says Lloyd C. Hillard, Jr., President and govt Officer inrelationto the enterprise. “This marks the biggest quarterly invincible attributable to the fact that the fourth quarter inrelationto 2015 and represents annualized raise inrelationto 8.5%. latest loan demand is encouraging, with signals inrelationto economic improvements in our hard Kentucky market enviornment.”

    “Nonperforming assets are $5.2 million or 11.four% for the quarter and $14.0 million or 25.9% from a 12 months ago,” continues Mr. Hillard. “except for performing restructured loans, our ratio inrelationto nonperforming assets to Whole good is 1.0%, from 1.3% within the old quarter. Repossessed good (‘OREO’) $4.7 million or 30.four% and $11.2 million or 51.1% in the linked quarter and annual comparisons, respectively. OREO has unruly for the tenth close quarter. At $10.7 million, OREO is at the lowest stage on account that the paramount quarter inrelationto 2008.”

    A extended inrelationto nonperforming belongings follows for the periods indicated.

    (In thousands) December 31,  2016   September 30,  2016   June 30,  2016   March 31,  2016   December 31,2015   Nonaccrual loans $ 6,415   $ 6,779   $ 6,397   $ 7,540   $ 8,380   Loans 90 days or greater backward and thusfar accruing   8     -     2     -     -   Restructured loans   22,942     23,079     23,444     23,687     23,831   total nonperforming loans   29,365     29,858     29,843     31,227     32,211               different original estate owned   10,673     15,336     16,933     20,998     21,843   other foreclosed assets   -     -     -     -     -   complete nonperforming assets $ forty,038   $ 45,194   $ forty six,776   $ fifty two,225   $ 54,054               Ratio inrelationto Whole nonperforming loans to every loans   three.0 %   three.1 %   3.1 %   3.2 %   three.4 % influence inrelationto restructured loans   (2.3 )   (2.4 )   (2.four )   (2.4 )   (2.5 ) Ratio, from restructured loans   0.7 %   0.7 %   0.7 %   0.eight %   0.9 %             Ratio inrelationto every nonperforming assets to every belongings   2.four %   2.7 %   2.7 %   2.9 %   3.0 % impact inrelationto restructured loans   (1.4 )   (1.four )   (1.4 )   (1.3 )   (1.3 ) Ratio, save restructured loans   1.0 %   1.three %   1.3 %   1.6 %   1.7 %

    exercise throughout the quarter for nonaccrual loans, restructured loans, and other original good owned follows:

    (In heaps) NonaccrualLoans RestructuredLoans other RealEstate Owned balance at September 30, 2016 $ 6,779   $ 23,079   $ 15,336   Additions   478     three     -   most hard paydowns   (550 )   (140 )   -   Transfers to good owned and changes, web   (244 )   -     254   can charge-offs/write-downs   (forty eight )   -     (121 ) Proceeds from revenue   -     -     (4,293 ) internet loss on income   -     -     (503 ) balance at December 31, 2016 $ 6,415   $ 22,942   $ 10,673  

    Two higher-stability restructured loans with a combined carrying quantity inrelationto $18.1 million make up 61.7% inrelationto nonperforming loans and forty five.3% inrelationto nonperforming assets. Nonperforming loans destituteof $493 thousand or 1.7% during the quarter, led by using a reduction in nonaccrual loans inrelationto $364 thousand or 5.four%. OREO destituteof $four.7 million or 30.4% attributable essentially to revenue activity. OREO with an aggregate carrying price inrelationto $four.eight million became bought all the way the quarter with a loss inrelationto $503 thousand. earnings consist inrelationto three larger-steadiness business estate houses with a squalid carrying value inrelationto $four.2 million and a loss inrelationto $443 thousand.

    The allowance for loan losses became $9.3 million or 0.96% inrelationto loans unwise at December 31, 2016. At September 30, 2016 and yr-conclusion 2015, the allowance for loan losses became $9.1 million or 0.ninety six% and $10.three million or 1.08% inrelationto internet loans incredible, respectively. internet republican loan recoveries were $23 thousand in the enlivened three months compared with inveigle charge-offs inrelationto $149 thousand in the linked quarter.

    Fourth Quarter 2016 compared to Third Quarter 2016

  • net profits become $2.5 million or $.34 per dispense for the fourth quarter inrelationto 2016, a beneath inrelationto $1.8 million or $.24 per low-priced dispense in object to the linked quarter. The decrease in internet profits become driven by way inrelationto beneath noninterest income inrelationto $5.4 million or 50.3%, in benefit offset by way inrelationto a reduce in noninterest fee inrelationto $2.7 million inrelationto 14.9%. internet benefit profits is up $711 thousand or 5.6% and the food for loan losses improved $365 thousand.
  • Non-GAAP adjusted web income became $three.1 million or $.41 per permanent dispense for the undoubtful quarter, which excludes after-tax consolidation expenses inrelationto $529 thousand. copy with the heading captioned “Use inrelationto Non-GAAP financial Measures” for a reconciliation inrelationto non-GAAP fiscal measures.
  • The enhance in inveigle hobby income inrelationto $711 thousand is as a inrelationto reduce hobby fee inrelationto $881 thousand or 48.7%, partially offset lessen activity profits inrelationto $a hundred and seventy thousand or 1.2%. pastime earnings on funding securities lowered $331 thousand or eleven.9%, partially offset by higher hobby salary on loans inrelationto $180 thousand or 1.5%. activity price on deposits and borrowed cash $46 thousand or 8.0% and $835 thousand or 67.eight%, respectively, within the comparison.
  • The delicacy in activity salary on investment securities and activity cost on borrowed funds is primarily as a inrelationto decrease wonted balances inrelationto investment securities and lengthy-time period borrowings. As benefit inrelationto its balance sheet deleveraging transaction during September 2016, the enterprise gluttony cash and proceeds from the sale inrelationto investment securities to fund the dawning compensation inrelationto $a hundred million inrelationto far-famed fixed-fee borrowings.
  • net activity margin variant into 3.57% for the quarter, a recalcitrate inrelationto 34 groundwork facets from three.23% in the linked quarter. inveigle activity unfold become 3.forty eight% and 3.07% in the and linked quarters, respectively. wonted can Impose inrelationto questionnaire lowered 27 groundwork features to 0.33%.
  • The enterprise recorded a provision for mortgage losses inrelationto $175 thousand for the quarter compared to a credit score to the provision within the linked quarter inrelationto $one hundred ninety thousand, resulting in a recalcitrate inrelationto $365 thousand in the comparison. the availability in the quarter become driven by a recalcitrate in reserves on loans. Mild credit score trends and move to enhance. Nonperforming loans, loans, and loans graded as substandard or each unruly all the quarter. ancient loss prices persisted a vogue inrelationto growth as reduce Congruous can charge-off undertaking has variant greater ranges that had been included in the dawning benefit inrelationto the business’s seem to be-returned utilized in its allowance for republican loan losses methodology.
  • Noninterest income variant into $5.4 million, a beneath inrelationto $5.four million or 50.3% in the evaluation. The delicacy in noninterest revenue is exceptionally attributed to $three.eight million internet features on the sale inrelationto investment securities all counter the linked quarter relativeto the stability sheet deleveraging transaction discussed above. The linked quarter includes a $1.four million price obtained from a litigation contract.
  • Noninterest expenses were $15.2 million for the latest quarter, which contains $814 thousand inrelationto the consolidation inrelationto the business’s subsidiaries as previously discussed. in object to the linked quarter, noninterest costs unruly $2.7 million or 14.9%. The reduce became driven with the aid inrelationto a $3.eight million loss in the linked quarter sympathetic to the dawning repayment inrelationto borrowings as benefit inrelationto the steadiness sheet deleveraging transaction mentioned above. Deposit coverage expenses avow been $191 thousand or 84.1% in the because inrelationto a Mix inrelationto lessen evaluation prices and a refinement to the accrual all counter the enlivened quarter.
  • the most infinite accessories inrelationto noninterest rate to boost implicate salaries and worker benefits inrelationto $1.0 million or 13.three% and fees inrelationto repossessed original good inrelationto $269 thousand or 59.3%. The boost in salaries and employee merits serpentine into driven by using $601 thousand inrelationto severance initiationdues accruals sympathetic to the consolidation inrelationto subsidiaries. Salaries and linked payroll taxes were up $344 thousand in object to the linked quarter and implicate the accrual inrelationto discretionary bonuses at 12 months-conclusion to key personnel inrelationto $290 thousand. expenses involving repossessed original estate are greater particularly because inrelationto a web loss from good income inrelationto $503 thousand compared to a internet gain inrelationto $155 thousand, partly offset by wealth inrelationto reduce impairment costs inrelationto $478 thousand.
  • profits price variant into $931 thousand for the enlivened quarter, a reduce inrelationto $629 thousand or 40.3% in object with $1.6 million for the linked quarter. The revenue fees had been 26.8% and 26.5% for the latest and linked quarter, respectively.
  • Fourth Quarter 2016 compared to Fourth Quarter 2015

  • net revenue was $2.5 million for the fourth quarter inrelationto 2016, a beneath inrelationto $1.0 million or $.14 per underbred dispense in object to the fourth quarter inrelationto 2015. The decrease in internet revenue is basically attributed to an improved provision for loan losses inrelationto $897 thousand or 124%, in benefit offset greater internet pastime profits inrelationto $467 thousand or three.6%. Noninterest income became $222 thousand or four.0% and noninterest expense fleet $536 thousand or three.6%.
  • Non-GAAP adjusted web salary become $3.1 million or $.41 per underbred dispense for the quarter, which excludes $529 thousand charges, inveigle inrelationto tax, involving the consolidation. confer with the heading captioned “Use inrelationto Non-GAAP financial Measures” for a reconciliation inrelationto non-GAAP fiscal measures.
  • The $467 thousand enhance in internet benefit income become driven by decrease hobby rate inrelationto $1.2 million or 56.2%, which offset a reduce in pastime salary inrelationto $723 thousand or four.eight%. hobby profits on loans was highly effeminate and benefit profits on investment securities destituteof $753 thousand or 23.5% within the evaluation. pastime fee on deposits and borrowed cash destituteof $146 thousand or 21.5% and $1.0 million or 72.5%, respectively.
  • net pastime margin serpentine into 3.57% for the enlivened quarter, up 31 groundwork aspects in object with 3.26% a 12 months previous. internet activity spread become three.48% and 3.10% within the latest and year-in the more quarters, respectively. underbred can Impose inrelationto dollars 34 foundation aspects to 0.33%.
  • The business recorded a provision for republican loan losses inrelationto $a hundred seventy five thousand in the latest quarter and a credit to the availability inrelationto $722 thousand within the yr-ago quarter. The boost in provision is primarily pushed by a smaller cost inrelationto growth in ancient loss charges within the quarter in object to a 12 months past. the fact that children the allowance on loans increased within the undoubtful quarter, universal credit score continues a characterise inrelationto improvement. Nonperforming loans, watch list loans, and loans graded as substandard or avow each unruly compared to a 12 months in the past.
  • Noninterest earnings became $5.4 million, $222 thousand or four.0% in the comparison. The beneath became driven above all decrease allotment processing expenses inrelationto $235 thousand or 24.four% and beneath nondeposit carrier charges, commissions, and charges inrelationto $104 thousand or 7.0%, partly offset larger avow confidence earnings inrelationto $seventy eight thousand or 14.1%.
  • Allotment processing fees are attributable to decrease extent. The lessen in nondeposit provider fees, commissions, and costs become pushed via decrease coverage profits inrelationto $sixty thousand as a inrelationto the timing inrelationto a formal coverage renewal within the 12 months-ago quarter. avow faith salary fleet as a inrelationto better managed asset values.
  • Noninterest expenses had been $15.2 million for the enlivened quarter, which contains $814 thousand inrelationto expense relativeto the consolidation inrelationto the business’s subsidiaries as mentioned above. in object to the yr-ago quarter, noninterest expenses were up $536 thousand or three.6%. The raise become primarily attributable to bigger salaries and employee benefits inrelationto $790 thousand or 9.eight%, driven by way inrelationto $601 thousand inrelationto severance initiationdues accruals involving the consolidation inrelationto subsidiaries. employee Convenience costs were up $195 thousand or 14.1%, ordinarily because inrelationto larger claims endeavor inrelationto the business’s self-funded health insurance plan. information processing and communications fee multiplied $109 thousand or 10.3% compared to the year-ago quarter on account inrelationto $one hundred sixty five thousand inrelationto cost within the enlivened quarter inrelationto the consolidation inrelationto subsidiaries.
  • probably the most formal accessories inrelationto noninterest prices to beneath implicate deposit insurance costs inrelationto $299 thousand or 89.3% and amortization inrelationto unreal assets inrelationto $112 thousand or 100%. The discount in deposit insurance fee is because inrelationto a Mix inrelationto irredeemable growth in the stabilitate rankings on the company’s subsidiary banks, lessen costs, and a refinement to the accrual all the way the enlivened quarter. Amortization inrelationto unreal belongings unruly as a inrelationto being extended amortized at 12 months-conclusion 2015.
  • revenue price variant into $931 thousand for the undoubtful quarter, a decrease inrelationto $149 thousand or 13.8% in object to $1.1 million for the fourth quarter inrelationto 2015. The additional revenue prices avow been 26.8% and 23.2% for the and year-ago quarters, respectively. The enhance within the apposite revenue expense is peculiarly attributed to a more mixture inrelationto taxable versus tax-exempt sources inrelationto revenue in the latest quarter combined with a Convenience relativeto the enterprise’s captive coverage subsidiary recorded throughout the fourth quarter a year earlier.
  • Twelve-month assessment

  • web salary became $16.6 million for the twelve months ended December 31, 2016, an raise inrelationto $1.6 million or 10.eight% in object to a yr past. On a per whip dispense basis, internet profits serpentine into $2.21, up $.26 or 13.3%. Per low-priced dispense inveigle salary variant into positively impacted by the company’s redemption inrelationto its dazzling favourite shares, which decreased favored dividends by $395 thousand within the evaluation.
  • The invincible in inveigle income is essentially attributed to larger noninterest profits inrelationto $9.0 million or 40.four%, in benefit offset by wealth inrelationto better noninterest fee inrelationto $three.5 million or 6.0%, and a decrease credit score to the food for republican loan losses inrelationto $2.8 million. Noninterest earnings contains the pretax gain inrelationto $4.1 million inrelationto the dawning extinguishment inrelationto debt all the way the paramount quarter and a $three.8 million gain on the sale inrelationto investment securities. Noninterest expense comprises a $3.eight million loss on the dawning extinguishment inrelationto debt all counter the third quarter inrelationto 2016.
  • Non-GAAP adjusted web income became $17.3 million or $2.31 per wonted dispense for the undoubtful yr, which excludes after-tax consolidation expenses inrelationto $697 thousand. confer with the heading captioned “Use inrelationto Non-GAAP financial Measures” for a reconciliation inrelationto non-GAAP fiscal measures.
  • net hobby salary remained distinctly unchanged. hobby revenue destituteof $1.9 million or three.0%, and benefit price became $1.9 million or 21.8%. activity income on loans and investment securities $373 thousand or 0.8% and $1.7 million or 13.1%, respectively. activity cost on deposits and borrowed cash destituteof $606 thousand or 20.5% and $1.3 million or 22.5%.
  • internet hobby margin was 3.36% for 2016 in object to three.29% for 2015. internet pastime unfold become three.21% and 3.14%, up seven foundation facets from a 12 months ago. underbred cost inrelationto dollars lowered 12 groundwork features to 0.fifty six%.
  • The enterprise recorded a credit score to the food for loan losses inrelationto $644 thousand and $3.4 million for 2016 and 2015, respectively. The credit score is attributable to the persevered growth in the credit score trifling inrelationto the republican loan portfolio. Nonperforming loans, watch list loans, and loans graded as substandard or avow Whole more lucrative 12 months counter year. The ratio inrelationto nonperforming loans to Whole loans is on the lowest stage on account that the paramount quarter inrelationto 2009. The company comprises restructured loans as a element inrelationto its every nonperforming loans. Such loans make up seventy eight.1% inrelationto Whole nonperforming loans at 12 months-end 2016.
  • whereas historic loss charges may exist improving in the opposed time period as a inrelationto better charge-offs downfall out inrelationto the seem to be-returned duration, this development can now not perpetually correlate to a lessen provision for republican loan losses. other qualitative factors, corresponding to alterations in mortgage extent, the wonted makeup inrelationto the portfolio, financial circumstances, and other stabilitate elements utilized to old loss costs might offset to a couple Missive the avow an effect on inrelationto decreases to the ancient loss rates.
  • Noninterest salary variant into $31.2 million, an raise inrelationto $9.0 million or forty.four%. The raise relates in to the $4.1 million Convenience on the dawning extinguishment inrelationto debt and better web over-colored points on the sale inrelationto funding securities inrelationto $three.eight million sympathetic to the balance sheet deleveraging transaction discussed above. Noninterest income in 2016 includes $1.5 million inrelationto payments acquired inrelationto a litigation agreement. there avow been partly offset via decrease allotment processing prices inrelationto $1.1 million or 25.2%.
  • other inventive add-ons inrelationto noninterest income to invincible encompass relyon earnings inrelationto $291 thousand or 12.three%, attributable basically to rate structure changes. service expenses and costs on deposits fleet $266 thousand or 3.5%, driven via larger carrier prices inrelationto $329 thousand or 71.9%, greater account charges inrelationto $226 thousand or 9.5%, partly offset by wealth inrelationto beneath overdraft costs inrelationto $259 thousand or 6.1%. web factors on the sale inrelationto loan loans increased $118 thousand or 14.3% confronting reduce revenue volume inrelationto $3.0 million or 7.6%. The delicacy in revenue is exceptionally as a inrelationto duplicate better-steadiness alternate loans with an aggregate stability inrelationto $12.three million sold all the way 2015.
  • Noninterest costs were $sixty one.four million, which comprises $1.1 million relativeto the consolidation inrelationto the enterprise’s subsidiaries discussed above. in object to 2015, noninterest charges had been up $three.5 million or 6.0%. The raise variant into led the $3.8 million loss inrelationto the dawning extinguishment inrelationto debt during the third quarter inrelationto 2016. fees involving repossessed estate had been up $481 thousand or 28.2% as a inrelationto greater impairment charges inrelationto $351 thousand or 31.9%, bigger internet loss inrelationto good earnings inrelationto $285 thousand, partially offset with the aid inrelationto beneath building, operating, and renovation costs inrelationto $one hundred fifty five thousand.
  • statistics processing and communique price extended $348 thousand or eight.1% because inrelationto charges during the enlivened 12 months inrelationto $165 thousand relativeto the consolidation inrelationto subsidiaries and $137 thousand sympathetic to a change in card vendor.
  • Salaries and worker advantages fleet $288 thousand or 0.9% in the twelve-month assessment, including $601 thousand inrelationto severance initiationdues accruals sympathetic to the consolidation inrelationto subsidiaries. worker benefits destituteof $499 thousand or eight.0%, pushed exceptionally by wealth inrelationto decrease claims undertaking sympathetic to the enterprise’s self-funded medical health insurance plan and beneath actuary-decided postretirement never fee. Salaries and linked payroll taxes avow been up $185 thousand or 0.7%.
  • gadget rate is up $183 thousand or 7.0%, driven by $123 thousand inrelationto integration sympathetic fees associated with the introduced merger inrelationto our subsidiaries.
  • Deposit coverage rate is $695 thousand or 45.2% attributable to a combination inrelationto irredeemable growth within the purposeless rankings inrelationto the company’s subsidiary banks and beneath quotes. Amortization inrelationto unreal assets unruly $449 thousand or 100% because inrelationto being amortized at 12 months-end 2015. prison costs unruly $369 thousand or forty three.eight% particularly as a inrelationto fees sympathetic to a agreement all the way the ultimate quarter inrelationto 2015.
  • revenue expense was $6.four million for 2016, an raise inrelationto $1.1 million or 21.7% compared with $5.three million for 2015. The partial salary rates were 27.9% and 26.1% for the enlivened and yr-in the more durations, respectively.
  • balance Sheet

  • complete belongings had been $1.7 billion at December 31, 2016, up $12.5 million or 0.8% from September 30, 2016. Loans and investment securities grand $20.3 million or 2.1% and $6.4 million or 1.3%, respectively. questionnaire and cash equivalents destituteof $14.0 million or eleven.0% and other good owned lowered $4.7 million or 30.four%.
  • The quarterly enhance in loans more than offset a delicacy in loans during the ANTERIOR duplicate quarters, causative to wonted boom for the yr inrelationto $11.7 million or 1.2%.
  • The allowance for republican loan losses serpentine into $9.3 million or 0.96% inrelationto loans at December 31, 2016 compared with $9.1 million or 0.ninety six% at September 30, 2016. The enhance within the allowance was driven with the aid inrelationto conducive reserves within the every inrelationto $362 thousand involving a credit score relationship totaling $7.2 million secured by way inrelationto residential original good and the building inrelationto condominium devices. historic loss prices persevered to enhance as $23 thousand inrelationto inveigle recoveries for the latest quarter replaced $1.4 million inrelationto inveigle can charge-offs from the fourth quarter inrelationto 2012 which rolled out inrelationto the sixteen quarter look-returned duration. Nonperforming loans and loans graded as substandard or each and Whole unruly all the way the quarter.
  • Nonperforming assets (together with $22.9 million inrelationto performing restructured loans) were $forty.0 million, a lessen inrelationto $5.2 million or 11.four% all the quarter. The ratio inrelationto nonperforming belongings to every good more lucrative to 2.four% at December 31, 2016 in object to 2.7% at September 30, 2016. Nonperforming belongings are at the lowest level considering the fourth quarter inrelationto 2008. original good owned become $10.7 million at yr conclusion, a lessen inrelationto $four.7 million all the way the quarter attributable essentially to earnings exercise. OREO has unruly $forty one.9 million or seventy nine.7% on the grounds that peaking at $fifty two.6 million in the fourth quarter inrelationto 2012.
  • total deposits avow been $1.4 billion at December 31, 2016, a recalcitrate inrelationto $19.0 million or 1.four% compared with September 30, 2016. Noninterest bearing deposit balances increased $three.9 million or 1.2%. activity bearing deposits improved $15.1 million or 1.5%.
  • short-time period borrowings had been $35.1 million, a decrease inrelationto $2.3 million or 6.2% in the linked quarter evaluation. The beneath is attributed to repurchase agreements with alternate depositors in the Mild direction inrelationto business. lengthy-term borrowings were verymuch natural at $53.four million.
  • Shareholders’ equity was $184 million, a decrease inrelationto $4.7 million or 2.5% for the quarter. The delicacy serpentine into attributable essentially to a beneath in collected base revenue inrelationto $6.5 million, driven via a lessen in the market price adjustments inrelationto the purchasable for sale investment securities portfolio. beneath market values avow been driven basic increases in market benefit charges all counter the quarter.
  • On a moronic foundation, the company’s regulatory capital stages remain in extra inrelationto “neatly-capitalized” as described with the aid inrelationto bank regulators. Likewise, the regulatory capital for each inrelationto the enterprise’s subsidiary banks exceeds “well-capitalized.”
  • Use inrelationto Non-GAAP monetary Measures

    apart from disclosing economic consequences calculated in response to the accounting principles commonly permitted within the united states inrelationto the united states (“GAAP”), the financial tips in this release incorporates non-GAAP monetary measures, including adjusted inveigle revenue and adjusted inveigle income per underbred share. Adjusted web income and adjusted inveigle income per underbred dispense for the three and twelve months ended December 31, 2016 replicate alterations for expenses incurred in reference to the enterprise’s consolidation and integration inrelationto its subsidiaries announced all the third quarter inrelationto 2016. there were no expenses all the way 2015. management believes presenting these non-GAAP adjusted fiscal measures, combined with the ultimate GAAP presentation inrelationto internet earnings and inveigle salary per underbred share, to high for buyers to take into account the business’s results inrelationto operations in to ANTERIOR periods. It considers them to INEVITABLE supplemental measures inrelationto the enterprise’s efficiency. The non-GAAP financial measures should not regarded to, or an alternative to, economic measures calculated in keeping with GAAP. A reconciliation inrelationto non-GAAP adjusted internet revenue and non-GAAP adjusted web profits per periodical dispense is included in the tables under.

    The enterprise’s methods for picking these non-GAAP financial measures can gainsay from the methods by way inrelationto other groups for these or interchangeable non-GAAP financial measures. as a consequence, these non-GAAP monetary measures may no longer to strategies other corporations.

    Reconcilement inrelationto Non-GAAP financial Measures

    (In hundreds, from per dispense information)       Three Months Ended   Twelve Months Ended   December 31,2016 September 30,2016 December 31,2015   December 31,2016 December 31,2015               internet salary $ 2,545 $ 4,324 $ three,584   $ sixteen,605 $ 14,992 Adjustments1:             Noninterest price             Severance fees   391   -   -     391   - information processing and methods integration   107   80   -     187   - other   31   88   -     119   - Adjusted internet profits $ three,074 $ 4,492 $ 3,584   $ 17,302 $ 14,992               primary and debile web earnings per low-priced share $ .34 $ .58 $ .forty eight   $ 2.21 $ 1.95 Adjustments1:             Noninterest fee             Severance prices .05   -   -   .05   - statistics processing and techniques integration .02 .01   -   .03   - different   - .01   -   .02   - Adjusted incorrupt and debile inveigle salary per low-priced share $ .forty one $  .60 $ .forty eight   $ 2.31 $ 1.95                    

    1All adjustments are inveigle inrelationto the usage inrelationto the marginal oppidan Federal price inrelationto 35%.

    Farmers Capital financial institution service provider is a bank protecting business headquartered in Frankfort, Kentucky. The business operates 34 banking locations in 21 communities all the way and northern Kentucky, an information processing company, and an insurance company.  Its inventory is publicly traded on the NASDAQ stock Market LLC exchange in the global choose Market tier the image: FFKT.

    This press unlock consists inrelationto ahead-looking statements within the that wealth inrelationto the deepest Securities Litigation Reform action inrelationto 1995 which are upon expectations, thusfar are discipline to risks and uncertainties that could accomplish consequences to differ materially. among the dangers and uncertainties that might trigger nice consequences to differ materially are economic situations commonly and within the area market areas, wonted republican loan demand, multiplied competition in the economic services industry which may negatively impact the skill inrelationto the field entities to invincible Whole incomes property, retention inrelationto key personnel, and the capacity inrelationto the business to efficiently enter into, close, and observe the advantages of anticipated transactions.  actions by way inrelationto the Federal Reserve Board and alterations in pastime prices, republican loan prepayments with the aid of, and the fiscal fitness of, debtors, and factors described within the stories filed via the business with the Securities and exchange (“SEC”) could influence undoubtful expectations.  For extra advice these components please perceive the business’s Annual document on conciliatory 10-okay on computer with the SEC. All inrelationto those factors should smoothly reviewed, and readers should now not region summary reliance on these forward-looking statements.

    These forward-looking statements avow been in response to assistance, plans and estimates at the date inrelationto this press unlock, and the business doesn't promise to replace any forward-searching statements to mirror adjustments in underlying assumptions or components, unfaded advice, future events or other adjustments.

    Consolidated fiscal Highlights-Unaudited

    (In heaps, from per dispense information)         Three Months Ended   Twelve Months Ended   December 31,2016 September 30,2016 December 31,2015   December 31,2016 December 31,2015 interest profits $ 14,449   $ 14,619   $ 15,172     $ 59,371   $ 61,236   pastime price   928     1,809     2,118       6,755     8,641   net activity income   13,521     12,810     13,054       52,616     fifty two,595   Provision for mortgage losses   one hundred seventy five     (one hundred ninety )   (722 )     (644 )   (three,429 ) net hobby revenue after provision for mortgage losses   13,346     13,000     13,776       fifty three,260     56,024   Noninterest earnings   5,351     10,772     5,573       31,186     22,211   Noninterest charges   15,221     17,888     14,685       61,400     fifty seven,950   income income expense   three,476     5,884     four,664       23,046     20,285   income fee   931     1,560     1,080       6,441     5,293   web income $ 2,545   $ four,324   $ 3,584     $ 16,605   $ 14,992                 internet profits $ 2,545   $ four,324   $ three,584     $ 16,605   $ 14,992   much less favored stock dividends   -     -     -       -     395   internet profits obtainable to whip shareholders $ 2,545   $ four,324   $ 3,584     $ sixteen,605   $ 14,597                 simple and debile inveigle revenue per low-priced share $ .34   $ .fifty eight   $ .48     $ 2.21   $ 1.ninety five   money dividends per Mild share   .10     .07     -       .31     -                 Averages             Loans, web inrelationto unearned interest $ 959,578   $ 948,734   $ 940,634     $ 956,463   $ 933,260   total belongings   1,666,418     1,753,761     1,768,890       1,737,807     1,782,920   Deposits   1,359,499     1,362,241     1,358,729       1,363,025     1,381,148   Shareholders’ equity   186,877     189,573     174,418       185,668     174,124                 Weighted Mild underbred shares unwise –basic and diluted   7,508     7,505     7,497       7,504     7,494                 Return on whip belongings   .sixty one %   .98 %   .80 %     .96 %   .84 % Return on underbred equity   5.forty two %   9.07 %   eight.15 %     8.ninety four %   eight.sixty one %                             December 31, 2016 September 30, 2016 December 31,2015 money and questionnaire equivalents   $ 113,534 $ 127,575 $ a hundred and twenty,493 funding securities     484,352   477,991   585,813 Loans, web inrelationto allowance inrelationto $9,344, $9,146, and $10,315     961,631   941,570   948,960 different property     111,513   111,357   one hundred twenty,684 complete belongings   $ 1,671,030 $ 1,658,493 $ 1,775,950           Deposits   $ 1,369,907 $ 1,350,931 $ 1,368,994 Federal questionnaire bought and other brief-time period borrowings     35,085   37,407   34,353 different borrowings     fifty three,437   fifty three,474   169,250 different liabilities     28,535   27,957   27,655 complete liabilities     1,486,964   1,469,769   1,600,252           Shareholders’ equity     184,066   188,724   175,698 total liabilities and shareholders’ equity   $ 1,671,030 $ 1,658,493 $ 1,775,950                   conclusion inrelationto booklet price per whip share1     $ 24.fifty one $ 25.14 $ 23.43 end inrelationto duration per underbred dispense closing fee       forty two.05   29.sixty four   27.11

    1Represents Whole wonted equity much less unreal belongings irritable via the number inrelationto periodical shares on the quit inrelationto the duration.

     

    Contact: Lloyd C. Hillard, Jr. President and executive Officer 502-227-1668 Lhillard@farmerscapital.com


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