Financial Highlights

Financial Highlights
2020 FQ2 YTD
12/31/2019
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 1,443,951 1,269,462 1,151,478 982,291 868,781
Total Net Loans 851,065 785,738 704,431 624,187 522,764
Total Deposits 1,244,658 1,120,569 1,025,234 859,535 738,887
Equity Attributable to Parent Company 120,546 112,369 96,191 83,521 74,301
Total Equity 120,546 112,369 96,191 83,521 74,301
Profitability (%)
Net Income($000) 9,976 17,484 14,408 11,187 8,963
Net Income Attributable to Parent($000) 9,976 17,484 14,408 11,187 8,963
ROAA 1.46 1.46 1.34 1.22 1.13
Core ROAA 1.46 1.46 1.32 1.22 1.13
ROAE 17.16 16.83 16.09 14.25 12.68
ROATCE 17.16 16.83 16.09 14.25 12.68
Core ROAE 17.16 16.83 15.81 14.25 12.68
Net Interest Margin 3.36 3.56 3.52 3.64 3.62
Reported: Net Interest Margin 3.36 3.56 3.52 3.64 3.62
Efficiency Ratio 47.92 50.92 50.21 50.99 54.81
Noninterest Inc/ Operating Rev 17.63 17.29 17.65 17.45 18.53
Balance Sheet Ratios (%)
Loans/ Deposits 69.50 71.30 69.88 73.90 72.03
Securities/ Assets 36.62 33.79 34.49 32.32 35.43
Total Equity/ Total Assets 8.35 8.85 8.35 8.50 8.55
Tangible Equity/ Tangible Assets 8.35 8.85 8.35 8.50 8.55
Tang Common Equity/ Tang Assets 8.35 8.85 8.35 8.50 8.55
Asset Quality (%)
NPAs/ Assets 0.33 0.40 0.45 0.54 0.53
NPA Excl Restructured/ Assets 0.25 0.29 0.32 0.44 0.43
NPAs & 90+ PD/ Assets 0.33 0.40 0.46 0.55 0.54
NPAs/ Loans & REO 0.55 0.63 0.72 0.83 0.87
Nonaccrual & 90+ & OREO/ Assets 0.25 0.29 0.32 0.45 0.43
NPAs & 90+ PD/ Loans & REO 0.55 0.63 0.73 0.84 0.88
NPA & Loans 90+/ Tangible Common Equity + LLR 3.52 4.03 4.86 5.67 5.62
NCOs/ Avg Loans 0.11 0.06 0.08 0.06 0.07
Loan Loss Reserves/ Gross Loans 1.62 1.65 1.68 1.74 1.78
Reserves/ NPAs 295.71 260.92 231.54 208.47 204.86
Loan Loss Provision/ NCO 271.55 343.48 289.77 510.96 506.97
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 118,181 108,716 NA 80,671 NA
Tier 1 Capital($000) 118,181 108,716 NA 80,671 NA
Tier 2 Capital($000) 10,448 9,397 NA 7,048 NA
Total Capital($000) 128,629 118,113 NA 87,719 NA
Total Risk-weighted Assets($000) 832,261 748,019 NA 555,415 NA
Tier 1 Common Capital (CET1) Ratio(%) 14.20 14.53 NA 14.52 NA
Tier 1 Ratio(%) 14.20 14.53 NA 14.52 NA
Total Capital Ratio(%) 15.45 15.79 NA 15.79 NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.32 8.69 NA 8.48 NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 8,536,414 8,537,814 8,537,814 8,502,614 8,475,614
Avg Diluted Shares(actual) 8,537,412 8,537,814 8,534,909 8,513,129 8,476,292
Basic Book Value per Share 14.12 13.16 11.27 9.82 8.77
Book Value per Share, As Reported 14.12 13.16 11.27 9.82 8.77
Basic Tangible Book Value per Share 14.12 13.16 11.27 9.82 8.77
Tangible Book Value per Share, As Reported 14.12 13.16 11.27 9.82 8.77
Common Dividends Declared per Share 0.22 0.30 0.39 0.38 0.37
EPS after Extra 1.17 2.05 1.69 1.31 1.06
EPS after Extra Growth(%) 11.40 21.30 29 23.60 25.40
Core EPS 1.17 2.05 1.66 1.31 1.06
Core EPS Growth(%) 11.40 23.50 26.80 23.60 23.70
Diluted EPS before Amortization 1.17 2.05 1.69 1.31 1.06
Pre-Provision Earnings per Share 1.21 2.10 1.86 1.28 1.02
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