Financial Highlights

Financial Highlights
2017 FQ3 YTD
3/31/2017
2016 FY
6/30/2016
2015 FY
6/30/2015
2014 FY
6/30/2014
2013 FY
6/30/2013
Balance Sheet ($000)
Total Assets 958,491 868,781 738,647 674,161 633,605
Total Net Loans 606,651 522,764 443,496 399,309 359,426
Total Deposits 845,189 738,887 622,717 589,574 558,439
Equity Attributable to Parent Company 80,948 74,301 66,920 61,200 56,108
Total Equity 80,948 74,301 66,920 61,200 56,108
Profitability (%)
Net Income($000) 8,330 8,963 7,189 6,528 6,371
Net Income Attributable to Parent($000) 8,330 8,963 7,189 6,528 6,371
ROAA 1.23 1.13 1.02 0.99 1.03
Core ROAA 1.23 1.13 1.04 0.99 1.03
ROAE 14.35 12.68 11.19 11.18 11.66
ROATCE 14.35 12.68 11.19 11.18 11.66
Core ROAE 14.35 12.68 11.35 11.18 11.65
Net Interest Margin 3.64 3.62 3.64 3.34 3.54
Reported: Net Interest Margin 3.64 3.62 3.64 3.34 3.54
Efficiency Ratio 50.30 54.81 57.95 60.19 58.93
Noninterest Inc/ Operating Rev 17.45 18.53 19.58 19.79 19.01
Balance Sheet Ratios (%)
Loans/ Deposits 73.05 72.03 72.53 68.99 65.62
Securities/ Assets 30.57 35.43 34.86 35.55 39.07
Total Equity/ Total Assets 8.45 8.55 9.06 9.08 8.86
Tangible Equity/ Tangible Assets 8.45 8.55 9.06 9.08 8.86
Tang Common Equity/ Tang Assets 8.45 8.55 9.06 9.08 8.86
Asset Quality (%)
NPAs/ Assets 0.49 0.53 0.87 1.17 1.24
NPA Excl Restructured/ Assets 0.39 0.43 0.74 0.95 1.05
NPAs & 90+ PD/ Assets 0.50 0.54 0.88 1.21 1.33
NPAs/ Loans & REO 0.76 0.87 1.42 1.93 2.15
Nonaccrual & 90+ & OREO/ Assets 0.40 0.43 0.75 0.98 1.13
NPAs & 90+ PD/ Loans & REO 0.77 0.88 1.44 2 2.30
NPA & Loans 90+/ Tangible Common Equity + LLR 5.21 5.62 8.66 11.87 13.37
NCOs/ Avg Loans 0.05 0.07 0.19 0.29 0.25
Loan Loss Reserves/ Gross Loans 1.74 1.78 1.80 1.82 1.92
Reserves/ NPAs 227.82 204.86 126.82 94.20 89.31
Loan Loss Provision/ NCO 623.73 506.97 186.79 133.81 197.73
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA NA NA NA NA
Tier 1 Capital($000) NA NA NA NA NA
Tier 2 Capital($000) NA NA NA NA NA
Total Capital($000) NA NA NA NA NA
Total Risk-weighted Assets($000) NA NA NA NA NA
Tier 1 Common Capital (CET1) Ratio(%) NA NA NA NA NA
Tier 1 Ratio(%) NA NA NA NA NA
Total Capital Ratio(%) NA NA NA NA NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA NA NA NA NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 8,502,614 8,475,614 8,444,714 8,427,514 8,385,308
Avg Diluted Shares(actual) 8,509,752 8,476,292 8,497,374 8,482,512 8,446,998
Basic Book Value per Share 9.52 8.77 7.92 7.26 6.69
As-reported Book Value per Share 9.52 8.77 7.92 7.26 6.69
Basic Tangible Book Value per Share 9.52 8.77 7.92 7.26 6.69
Reported: Tangible Book Value 9.52 8.77 7.92 7.26 6.69
Common Dividends Declared per Share 0.29 0.37 0.36 0.35 0.35
EPS after Extra 0.98 1.06 0.85 0.77 0.76
EPS after Extra Growth(%) 25.60 25.40 9.70 2 8.60
Core EPS 0.98 1.06 0.86 0.77 0.75
Core EPS Growth(%) 25.60 23.70 11.30 2.10 8.40
Diluted EPS before Amortization 0.98 1.06 0.85 0.77 0.76
Pre-Provision Earnings per Share 0.97 1.02 0.86 0.81 0.83
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.
Copyright © 1998,2017 The Bank of Greene County. All rights reserved.