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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 969,117 884,084 889,598 933,604 925,713
Total Net Loans NA 565,910 545,836 547,548 595,220
Total Deposits 780,290 722,755 737,732 757,922 726,630
Equity Attributable to Parent Company 77,880 81,189 74,403 70,307 90,918
Total Equity 77,880 81,189 74,403 70,307 90,918
Profitability (%)
Net Income($000) 4,944 7,278 4,015 6,485 7,853
Net Income Attributable to Parent($000) 4,944 7,278 4,015 6,485 7,853
ROAA 0.71 0.82 0.44 0.69 0.84
Core ROAA 0.53 0.61 0.55 0.48 0.56
ROAE 8.42 9.32 5.38 7.28 9.03
ROATCE 9.68 10.73 6.26 10.72 14.32
Core ROAE 6.36 6.87 6.65 5.09 5.95
Net Interest Margin 3.35 3.48 3.17 3.23 3.41
Reported: Net Interest Margin 3.35 3.48 3.17 3.23 3.42
Efficiency Ratio 84.50 79.83 79.56 80.42 77.76
Noninterest Inc/ Operating Rev 14.68 15.37 18 15.65 19.10
Balance Sheet Ratios (%)
Loans/ Deposits NA 79.21 75.02 73.35 83.07
Securities/ Assets NA 29.36 29.50 27.60 24.44
Total Equity/ Total Assets 8.04 9.18 8.36 7.53 9.82
Tangible Equity/ Tangible Assets 7.08 8.15 7.32 6.52 8.82
Tang Common Equity/ Tang Assets 7.08 8.15 7.32 6.52 6.25
Asset Quality (%)
NPAs/ Assets NA 0.69 0.77 NA 1.44
NPA Excl Restructured/ Assets NA 0.35 0.39 0.77 1.25
NPAs & 90+ PD/ Assets NA 0.69 0.77 NA 1.44
NPAs/ Loans & REO NA 1.07 1.23 NA 2.20
Nonaccrual & 90+ & OREO/ Assets NA 0.35 0.39 0.77 1.25
NPAs & 90+ PD/ Loans & REO NA 1.07 1.23 NA 2.20
NPA & Loans 90+/ Tangible Common Equity + LLR NA 7.81 9.46 NA 20.17
NCOs/ Avg Loans NA 0.11 0.13 0.03 0.61
Loan Loss Reserves/ Gross Loans NA 1.26 1.42 1.55 1.46
Reserves/ NPAs NA 118.06 115.23 NA 66.13
Loan Loss Provision/ NCO NA 0 0 0 38.67
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 72,741 68,082 66,004 58,780
Tier 1 Capital($000) NA 92,466 87,565 85,883 102,336
Tier 2 Capital($000) NA 7,860 7,621 7,116 NA
Total Capital($000) NA 100,326 95,186 92,999 109,677
Total Risk-weighted Assets($000) NA 602,244 586,525 567,532 570,593
Tier 1 Common Capital (CET1) Ratio(%) 11.78 12.08 11.61 11.63 10.30
Tier 1 Ratio(%) 14.83 15.35 14.93 15.14 17.94
Total Capital Ratio(%) 15.93 16.66 16.23 16.39 19.22
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.13 10.45 9.83 9.08 10.83
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 2,751,650 2,751,650 2,751,650 2,751,650 2,751,650
Avg Diluted Shares(actual) 2,751,650 2,751,650 2,751,650 2,751,650 2,751,650
Basic Book Value per Share 28.30 29.51 27.04 25.55 24.47
Book Value per Share, As Reported 28.30 29.51 27.04 25.55 24.48
Basic Tangible Book Value per Share 24.69 25.88 23.40 21.89 20.79
Tangible Book Value per Share, As Reported 24.68 25.88 23.40 21.89 20.80
Common Dividends Declared per Share 0.70 0.64 0.64 0.64 0.64
EPS after Extra 1.80 2.64 1.46 2.26 2.76
EPS after Extra Growth(%) (10.90) 80.80 (35.40) (18.10) 7.40
Core EPS 1.36 1.94 1.80 1.55 1.79
Core EPS Growth(%) (13.60) 7.70 16.50 (13.30) 7
Diluted EPS before Amortization 1.81 2.65 1.48 2.28 2.79
Pre-Provision Earnings per Share 1.12 1.58 1.51 1.30 1.70
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.