Financial Highlights
 
Financial Highlights
2018 FQ3 YTD
9/30/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
Balance Sheet ($000)
Total Assets 681,304 711,101 655,184 612,443 568,932
Total Net Loans 478,839 485,692 419,454 393,093 355,615
Total Deposits 561,206 585,851 539,850 496,404 456,761
Equity Attributable to Parent Company 62,045 61,630 57,670 56,684 55,852
Total Equity 62,045 61,630 57,670 56,684 55,852
Profitability (%)
Net Income($000) 6,811 4,350 4,871 4,378 3,869
Net Income Attributable to Parent($000) 6,811 4,350 4,871 4,378 3,869
ROAA 1.36 0.68 0.80 0.77 0.71
Core ROAA 1.11 0.79 0.78 0.76 0.64
ROAE 14.82 7.25 8.27 7.73 7.21
ROATCE 14.82 7.25 8.27 7.73 7.21
Core ROAE 12.18 8.35 8.02 7.65 6.50
Net Interest Margin 3.69 3.59 3.64 3.65 3.67
Reported: Net Interest Margin 3.70 3.59 3.63 3.65 3.67
Efficiency Ratio 65.27 73.41 72.72 70.46 69.81
Noninterest Inc/ Operating Rev 15.76 16.77 17.34 17.16 16.56
Balance Sheet Ratios (%)
Loans/ Deposits 85.87 83.21 77.76 79.42 78.86
Securities/ Assets 20.61 22.84 27.35 26.46 29.93
Total Equity/ Total Assets 9.11 8.67 8.80 9.26 9.82
Tangible Equity/ Tangible Assets 9.11 8.67 8.80 9.26 9.82
Tang Common Equity/ Tang Assets 9.11 8.67 8.80 9.26 9.82
Asset Quality (%)
NPAs/ Assets 1.52 0.85 1.39 2.02 1.77
NPA Excl Restructured/ Assets 0.34 0.25 0.55 0.93 1.12
NPAs & 90+ PD/ Assets 1.52 0.85 1.39 2.02 1.77
NPAs/ Loans & REO 2.15 1.22 2.14 3.10 2.78
Nonaccrual & 90+ & OREO/ Assets 0.34 0.25 0.55 0.93 1.12
NPAs & 90+ PD/ Loans & REO 2.15 1.22 2.14 3.10 2.78
NPA & Loans 90+/ Tangible Common Equity + LLR 15.66 9.08 14.57 20.01 16.47
NCOs/ Avg Loans 0.31 0.09 0.10 0.13 0.06
Loan Loss Reserves/ Gross Loans 0.86 0.93 1.15 1.30 1.44
Reserves/ NPAs 40.05 76.19 53.43 41.95 51.73
Loan Loss Provision/ NCO 60.41 25.64 13.30 98.27 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 67,269 63,455 60,631 56,922 53,705
Tier 1 Capital($000) 72,269 68,455 65,631 61,922 58,705
Tier 2 Capital($000) 4,236 4,661 4,952 5,277 NA
Total Capital($000) 76,505 73,116 70,583 67,199 63,704
Total Risk-weighted Assets($000) 550,033 512,975 467,405 445,390 402,649
Tier 1 Common Capital (CET1) Ratio(%) 12.23 12.37 12.97 12.78 13.34
Tier 1 Ratio(%) 13.14 13.35 14.04 13.90 14.58
Total Capital Ratio(%) 13.91 14.26 15.10 15.09 15.82
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.69 10.77 10.46 10.62 10.66
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 4,363,537 4,420,136 4,420,255 4,404,783 4,527,848
Avg Diluted Shares(actual) 4,373,198 4,411,474 4,407,269 4,497,825 4,527,848
Basic Book Value per Share 14.22 13.94 13.05 12.87 12.34
Book Value per Share, As Reported 14.22 13.94 13.05 12.87 12.33
Basic Tangible Book Value per Share 14.22 13.94 13.05 12.87 12.34
Tangible Book Value per Share, As Reported 14.22 13.94 13.05 12.87 12.33
Common Dividends Declared per Share 0.38 0.39 0.28 0.24 0.18
EPS after Extra 1.56 0.99 1.11 0.97 0.85
EPS after Extra Growth(%) 59.20 (10.80) 14.40 14.10 117.90
Core EPS 1.28 1.14 1.08 0.96 0.77
Core EPS Growth(%) 51.80 5.90 12.30 25.20 22.40
Diluted EPS before Amortization 1.56 0.99 1.11 0.97 0.85
Pre-Provision Earnings per Share 1.24 0.88 0.86 0.86 0.83
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