Financial Highlights

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Financial Highlights
2020 FQ1 YTD
9/30/2019
2019 FY
6/30/2019
2018 FY
6/30/2018
2017 FY
6/30/2017
2016 FY
6/30/2016
Balance Sheet ($000)
Total Assets 419,048 414,517 379,790 366,902 340,987
Total Net Loans 290,238 281,137 261,653 245,769 230,309
Total Deposits 362,251 364,121 334,905 322,475 279,157
Equity Attributable to Parent Company 45,615 44,738 40,011 37,750 37,449
Total Equity 45,615 44,738 40,011 37,750 37,449
Profitability (%)
Net Income($000) 1,236 4,344 4,805 4,019 3,790
Net Income Attributable to Parent($000) 1,236 4,344 4,805 4,019 3,790
ROAA 1.19 1.10 1.29 1.14 1.13
Core ROAA 1.19 1.09 1.31 1.12 1.12
ROAE 10.94 10.44 12.24 10.73 10.53
ROATCE 11.25 10.76 12.63 11.32 11.47
Core ROAE 10.94 10.36 12.50 10.52 10.45
Net Interest Margin 3.56 3.52 3.76 3.55 3.69
Reported: Net Interest Margin 3.56 3.52 3.76 3.55 3.69
Efficiency Ratio 66.33 68.24 64.86 65.14 64.59
Noninterest Inc/ Operating Rev 22.46 19.15 19.16 21.78 19.81
Balance Sheet Ratios (%)
Loans/ Deposits 80.90 77.90 78.96 76.98 83.47
Securities/ Assets 20.71 20.93 21.05 22.18 23.76
Total Equity/ Total Assets 10.89 10.79 10.54 10.29 10.98
Tangible Equity/ Tangible Assets 10.63 10.53 10.25 9.99 10.66
Tang Common Equity/ Tang Assets 10.63 10.53 10.25 9.99 10
Asset Quality (%)
NPAs/ Assets NA NA NA 2.16 3.09
NPA Excl Restructured/ Assets NA 0.89 0.90 1.20 2.02
NPAs & 90+ PD/ Assets NA NA NA 2.16 3.09
NPAs/ Loans & REO NA NA NA 3.17 4.45
Nonaccrual & 90+ & OREO/ Assets NA 0.89 0.90 1.20 2.02
NPAs & 90+ PD/ Loans & REO NA NA NA 3.17 4.45
NPA & Loans 90+/ Tangible Common Equity + LLR NA NA NA 19.86 28.05
NCOs/ Avg Loans 0.19 0.03 (0.24) 0.25 0.02
Loan Loss Reserves/ Gross Loans 1.29 1.35 1.40 1.33 1.52
Reserves/ NPAs NA NA NA 41.86 33.79
Loan Loss Provision/ NCO 53.96 256.67 NM 58.23 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 38,400 36,233 34,020 NA
Tier 1 Capital($000) NA 38,400 36,233 34,020 33,379
Tier 2 Capital($000) NA 3,702 3,500 3,322 3,183
Total Capital($000) NA 42,102 39,733 37,342 36,562
Total Risk-weighted Assets($000) NA 296,068 278,715 265,939 254,018
Tier 1 Common Capital (CET1) Ratio(%) NA 12.97 13 12.79 NA
Tier 1 Ratio(%) NA 12.97 13 12.79 13.14
Total Capital Ratio(%) NA 14.22 14.26 14.04 14.39
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA 9.46 9.56 9.30 9.82
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 1,137,783 1,149,783 1,165,980 1,160,084 1,156,084
Avg Diluted Shares(actual) 1,144,435 1,151,968 1,165,980 1,159,788 1,150,463
Basic Book Value per Share 40.09 38.91 34.32 32.54 30.45
Book Value per Share, As Reported NA NA 34.32 NA 30.45
Basic Tangible Book Value per Share 39.02 37.85 33.27 31.49 29.40
Common Dividends Declared per Share 0.23 0.84 1.26 0.70 0.60
EPS after Extra 1.08 3.77 4.12 3.39 3.15
EPS after Extra Growth(%) 13.70 (8.50) 21.50 7.60 26.50
Core EPS 1.08 3.74 4.21 3.32 3.12
Core EPS Growth(%) 15.10 (11.10) 26.60 6.40 26.40
Diluted EPS before Amortization 1.08 3.77 4.12 3.39 3.15
Pre-Provision Earnings per Share 1.04 3.55 3.92 2.89 2.73
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