Financial Highlights

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Financial Highlights
2019 FQ1 YTD
9/30/2018
2018 FY
6/30/2018
2017 FY
6/30/2017
2016 FY
6/30/2016
2015 FY
6/30/2015
Balance Sheet ($000)
Total Assets 387,800 379,790 366,902 340,987 334,056
Total Net Loans 266,189 261,653 245,769 230,309 225,626
Total Deposits 343,193 334,905 322,475 279,157 265,480
Equity Attributable to Parent Company 39,750 40,011 37,750 37,449 33,682
Total Equity 39,750 40,011 37,750 37,449 33,682
Profitability (%)
Net Income($000) 1,105 4,805 4,019 3,790 3,165
Net Income Attributable to Parent($000) 1,105 4,805 4,019 3,790 3,165
ROAA 1.15 1.29 1.14 1.13 0.94
Core ROAA 1.14 1.31 1.12 1.12 0.93
ROAE 11.08 12.24 10.73 10.53 9.04
ROATCE 11.43 12.63 11.32 11.47 9.89
Core ROAE 10.94 12.50 10.52 10.45 8.98
Net Interest Margin 3.61 3.76 3.55 3.69 3.63
Reported: Net Interest Margin 3.61 3.76 3.55 3.69 3.63
Efficiency Ratio 66.19 64.86 65.14 64.59 62.55
Noninterest Inc/ Operating Rev 20.38 19.16 21.78 19.81 21.02
Balance Sheet Ratios (%)
Loans/ Deposits 78.57 78.96 76.98 83.47 86.20
Securities/ Assets 20.52 21.05 22.18 23.76 23.94
Total Equity/ Total Assets 10.25 10.54 10.29 10.98 10.08
Tangible Equity/ Tangible Assets 9.97 10.25 9.99 10.66 9.75
Tang Common Equity/ Tang Assets 9.97 10.25 9.99 10 8.78
Asset Quality (%)
NPAs/ Assets NA NA 2.16 3.09 3.06
NPA Excl Restructured/ Assets NA 0.90 1.20 2.02 1.96
NPAs & 90+ PD/ Assets NA NA 2.16 3.09 3.06
NPAs/ Loans & REO NA NA 3.17 4.45 4.41
Nonaccrual & 90+ & OREO/ Assets NA 0.90 1.20 2.02 1.96
NPAs & 90+ PD/ Loans & REO NA NA 3.17 4.45 4.41
NPA & Loans 90+/ Tangible Common Equity + LLR NA NA 19.86 28.05 31.42
NCOs/ Avg Loans 0 (0.24) 0.25 0.02 0.04
Loan Loss Reserves/ Gross Loans 1.40 1.40 1.33 1.52 1.45
Reserves/ NPAs NA NA 41.86 33.79 32.43
Loan Loss Provision/ NCO NM NM 58.23 NM 577.32
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 36,233 34,020 NA NA
Tier 1 Capital($000) NA 36,233 34,020 33,379 32,149
Tier 2 Capital($000) NA 3,500 3,322 3,183 2,922
Total Capital($000) NA 39,733 37,342 36,562 35,071
Total Risk-weighted Assets($000) NA 278,715 265,939 254,018 233,251
Tier 1 Common Capital (CET1) Ratio(%) NA 13 12.79 NA NA
Tier 1 Ratio(%) NA 13 12.79 13.14 13.78
Total Capital Ratio(%) NA 14.26 14.04 14.39 15.04
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA 9.56 9.30 9.82 9.64
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 1,149,480 1,165,980 1,160,084 1,156,084 1,142,084
Avg Diluted Shares(actual) 1,158,790 1,165,980 1,159,788 1,150,463 1,137,163
Basic Book Value per Share 34.58 34.32 32.54 30.45 26.65
Book Value per Share, As Reported 34.58 34.32 NA 30.45 26.65
Basic Tangible Book Value per Share 33.52 33.27 31.49 29.40 25.58
Common Dividends Declared per Share 0.21 1.26 0.70 0.60 0.52
EPS after Extra 0.95 4.12 3.39 3.15 2.49
EPS after Extra Growth(%) (22.10) 21.50 7.60 26.50 (22.40)
Core EPS 0.94 4.21 3.32 3.12 2.47
Core EPS Growth(%) (23.10) 26.60 6.40 26.40 (21.70)
Diluted EPS before Amortization 0.95 4.12 3.39 3.15 2.49
Pre-Provision Earnings per Share 0.95 3.92 2.89 2.73 2.43
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