Financial Highlights

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Financial Highlights
2021 FQ1 YTD
9/30/2020
2020 FY
6/30/2020
2019 FY
6/30/2019
2018 FY
6/30/2018
2017 FY
6/30/2017
Balance Sheet ($000)
Total Assets 466,214 461,724 414,517 379,790 366,902
Total Net Loans 308,666 313,980 281,137 261,653 245,769
Total Deposits 411,614 408,542 364,121 334,905 322,475
Equity Attributable to Parent Company 50,474 49,198 44,738 40,011 37,750
Total Equity 50,474 49,198 44,738 40,011 37,750
COVID-19 Financial Disclosure
Paycheck Protection Program Loan($000) NA NA NA NA NA
PPP Loan Ratio(%) NA NA NA NA NA
COVID-19 Loan Modification($000) NA NA NA NA NA
COVID-19 Loan Modification Ratio(%) NA NA NA NA NA
Processing Fees on PPP Loans($000) NA NA NA NA NA
Profitability (%)
Net Income($000) 1,748 5,011 4,344 4,805 4,019
Net Income Attributable to Parent($000) 1,748 5,011 4,344 4,805 4,019
ROAA 1.51 1.18 1.10 1.29 1.14
Core ROAA 1.44 1.18 1.09 1.31 1.12
ROAE 14.03 10.88 10.44 12.24 10.73
ROATCE 14.38 11.18 10.76 12.63 11.32
Core ROAE 13.41 10.85 10.36 12.50 10.52
Net Interest Margin 3.38 3.54 3.52 3.76 3.55
Reported: Net Interest Margin 3.38 3.54 3.52 3.76 3.55
Efficiency Ratio 61.13 66.28 68.24 64.86 65.14
Noninterest Inc/ Operating Rev 33.77 22.90 19.15 19.16 21.78
Balance Sheet Ratios (%)
Loans/ Deposits 74.97 75.19 77.90 78.96 76.98
Securities/ Assets 21.80 18.97 20.93 21.05 22.18
Total Equity/ Total Assets 10.83 10.66 10.79 10.54 10.29
Tangible Equity/ Tangible Assets 10.59 10.42 10.53 10.25 9.99
Tang Common Equity/ Tang Assets 10.59 10.42 10.53 10.25 9.99
Asset Quality (%)
NPAs/ Assets NA NA NA NA 2.16
NPA Excl Restructured/ Assets NA 0.77 0.89 0.90 1.20
NPAs & 90+ PD/ Assets NA NA NA NA 2.16
NPAs/ Loans & REO NA NA NA NA 3.17
Nonaccrual & 90+ & OREO/ Assets NA 0.77 0.89 0.90 1.20
NPAs & 90+ PD/ Loans & REO NA NA NA NA 3.17
NPA & Loans 90+/ Tangible Common Equity + LLR NA NA NA NA 19.86
NCOs/ Avg Loans 0.29 0.02 0.03 (0.24) 0.25
Loan Loss Reserves/ Gross Loans 1.29 1.29 1.35 1.40 1.33
Reserves/ NPAs NA NA NA NA 41.86
Loan Loss Provision/ NCO 72.69 476.56 256.67 NM 58.23
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA NA NA 36,233 34,020
Tier 1 Capital($000) NA NA NA 36,233 34,020
Tier 2 Capital($000) NA NA NA 3,500 3,322
Total Capital($000) NA NA NA 39,733 37,342
Total Risk-weighted Assets($000) NA NA NA 278,715 265,939
Tier 1 Common Capital (CET1) Ratio(%) NA NA NA 13 12.79
Tier 1 Ratio(%) NA NA NA 13 12.79
Total Capital Ratio(%) NA NA NA 14.26 14.04
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA NA NA 9.56 9.30
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 1,142,690 1,129,394 1,149,783 1,165,980 1,160,084
Avg Diluted Shares(actual) 1,142,690 1,138,115 1,151,968 1,165,980 1,159,788
Basic Book Value per Share 44.17 43.56 38.91 34.32 32.54
Book Value per Share, As Reported NA NA NA 34.32 NA
Basic Tangible Book Value per Share 43.11 42.49 37.85 33.27 31.49
Common Dividends Declared per Share 0.25 0.92 0.84 1.26 0.70
EPS after Extra 1.53 4.40 3.77 4.12 3.39
EPS after Extra Growth(%) 41.70 16.70 (8.50) 21.50 7.60
Core EPS 1.46 4.39 3.74 4.21 3.32
Core EPS Growth(%) 35.40 17.30 (11.10) 26.60 6.40
Diluted EPS before Amortization 1.53 4.40 3.77 4.12 3.39
Pre-Provision Earnings per Share 1.50 4.25 3.55 3.92 2.89
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