Financial Highlights
2017 FQ2
6/30/2017
2017 FQ1
3/31/2017
2016 FQ4
12/31/2016
2016 FQ3
9/30/2016
2016 FQ2
6/30/2016
Balance Sheet ($000)
Total Assets 403,437 402,937 402,372 398,803 397,794
Total Net Loans 320,202 318,702 323,616 317,810 315,586
Total Deposits 338,551 337,512 337,099 334,150 333,013
Equity Attributable to Parent Company 52,087 51,431 50,949 50,785 50,426
Total Equity 52,087 51,431 50,949 50,785 50,426
Profitability (%)
Net Income($000) 835 765 1,078 758 1,009
Net Income Attributable to Parent($000) 835 765 1,078 758 1,009
ROAA 0.83 0.76 1.08 0.69 0.94
Core ROAA 0.83 0.76 1.08 0.70 0.94
ROAE 6.45 5.98 8.50 6.03 8.12
ROATCE 6.65 6.17 8.77 6.23 8.39
Core ROAE 6.45 5.98 8.49 6.04 8.10
Net Interest Margin 4.58 4.40 4.44 4.41 4.49
Reported: Net Interest Margin NA 4.40 NA NA NA
Efficiency Ratio 72.33 74.53 69.86 75.49 67.81
Noninterest Inc/ Operating Rev 11.20 11.56 12.01 12.46 12.63
Balance Sheet Ratios (%)
Loans/ Deposits 95.53 95.37 96.95 96.14 95.81
Securities/ Assets 8.33 8.76 8.31 8.78 9.63
Total Equity/ Total Assets 12.91 12.76 12.66 12.73 12.68
Tangible Equity/ Tangible Assets 12.58 12.43 12.33 12.40 12.34
Tang Common Equity/ Tang Assets 12.58 12.43 12.33 12.40 12.34
Asset Quality (%)
NPAs/ Assets NA NA NA NA NA
NPA Excl Restructured/ Assets NA NA 1.86 NA NA
NPAs & 90+ PD/ Assets NA NA NA NA NA
NPAs/ Loans & REO NA NA NA NA NA
Nonaccrual & 90+ & OREO/ Assets NA NA 1.90 NA NA
NPAs & 90+ PD/ Loans & REO NA NA NA NA NA
NPA & Loans 90+/ Tangible Common Equity + LLR NA NA NA NA NA
NCOs/ Avg Loans 0.06 0.10 0.40 0.12 0.20
Loan Loss Reserves/ Gross Loans 1 0.99 0.98 1.07 1.09
Reserves/ NPAs NA NA NA NA NA
Loan Loss Provision/ NCO 186.54 77.11 24.92 45.92 1.24
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA NA 50,638 NA NA
Tier 1 Capital($000) NA NA 50,638 NA NA
Tier 2 Capital($000) NA NA 3,424 NA NA
Total Capital($000) NA NA 54,062 NA NA
Total Risk-weighted Assets($000) NA NA 294,065 NA NA
Tier 1 Common Capital (CET1) Ratio(%) NA NA 17.22 NA NA
Tier 1 Ratio(%) NA NA 17.22 NA NA
Total Capital Ratio(%) NA NA 18.27 NA NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA NA 13.13 NA NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 1,336,873 1,336,873 1,336,873 1,336,873 1,336,873
Avg Diluted Shares(actual) 1,336,873 1,336,873 1,336,873 1,336,873 1,336,873
Basic Book Value per Share 38.96 38.47 38.11 37.99 37.72
As-reported Book Value per Share 38.96 38.47 38.11 37.99 37.72
Basic Tangible Book Value per Share 37.81 37.32 36.96 36.84 36.57
Reported: Tangible Book Value 37.81 37.32 NA 36.84 36.57
Common Dividends Declared per Share 0.28 0.28 0.28 0.28 0.26
EPS after Extra 0.63 0.57 0.81 0.56 0.76
EPS after Extra Growth(%) (17.10) (13.60) 14.10 (5.10) 20.60
Core EPS 0.63 0.57 0.81 0.56 0.76
Core EPS Growth(%) (16.90) (13.20) 12.90 (8.20) 16.50
Diluted EPS before Amortization 0.63 0.57 0.81 0.56 0.76
Pre-Provision Earnings per Share 0.64 0.56 0.70 0.55 0.73
Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.