Financial Highlights

Financial Highlights
2013 FY
6/30/2013
2014 FY
6/30/2014
2015 FY
6/30/2015
2016 FY
6/30/2016
2017 FY
6/30/2017
Balance Sheet ($000)
Total Assets 633,605 674,161 738,647 868,781 982,291
Total Net Loans 359,426 399,309 443,496 522,764 624,187
Total Deposits 558,439 589,574 622,717 738,887 859,535
Equity Attributable to Parent Company 56,108 61,200 66,920 74,301 83,521
Total Equity 56,108 61,200 66,920 74,301 83,521
Profitability (%)
Net Income($000) 6,371 6,528 7,189 8,963 11,187
Net Income Attributable to Parent($000) 6,371 6,528 7,189 8,963 11,187
ROAA 1.03 0.99 1.02 1.13 1.22
Core ROAA 1.03 0.99 1.04 1.13 1.22
ROAE 11.66 11.18 11.19 12.68 14.25
ROATCE 11.66 11.18 11.19 12.68 14.25
Core ROAE 11.65 11.18 11.35 12.68 14.25
Net Interest Margin 3.54 3.34 3.64 3.62 3.64
Reported: Net Interest Margin 3.54 3.34 3.64 3.62 3.64
Efficiency Ratio 58.93 60.19 57.95 54.81 50.99
Noninterest Inc/ Operating Rev 19.01 19.79 19.58 18.53 17.45
Balance Sheet Ratios (%)
Loans/ Deposits 65.62 68.99 72.53 72.03 73.90
Securities/ Assets 39.07 35.55 34.86 35.43 32.32
Total Equity/ Total Assets 8.86 9.08 9.06 8.55 8.50
Tangible Equity/ Tangible Assets 8.86 9.08 9.06 8.55 8.50
Tang Common Equity/ Tang Assets 8.86 9.08 9.06 8.55 8.50
Asset Quality (%)
NPAs/ Assets 1.24 1.17 0.87 0.53 0.54
NPA Excl Restructured/ Assets 1.05 0.95 0.74 0.43 0.44
NPAs & 90+ PD/ Assets 1.33 1.21 0.88 0.54 0.55
NPAs/ Loans & REO 2.15 1.93 1.42 0.87 0.83
Nonaccrual & 90+ & OREO/ Assets 1.13 0.98 0.75 0.43 0.45
NPAs & 90+ PD/ Loans & REO 2.30 2 1.44 0.88 0.84
NPA & Loans 90+/ Tangible Common Equity + LLR 13.37 11.87 8.66 5.62 5.67
NCOs/ Avg Loans 0.25 0.29 0.19 0.07 0.06
Loan Loss Reserves/ Gross Loans 1.92 1.82 1.80 1.78 1.74
Reserves/ NPAs 89.31 94.20 126.82 204.86 208.47
Loan Loss Provision/ NCO 197.73 133.81 186.79 506.97 510.96
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA NA NA NA 80,671
Tier 1 Capital($000) NA NA NA NA 80,671
Tier 2 Capital($000) NA NA NA NA 7,048
Total Capital($000) NA NA NA NA 87,719
Total Risk-weighted Assets($000) NA NA NA NA 555,415
Tier 1 Common Capital (CET1) Ratio(%) NA NA NA NA 14.52
Tier 1 Ratio(%) NA NA NA NA 14.52
Total Capital Ratio(%) NA NA NA NA 15.79
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA NA NA NA 8.48
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 8,385,308 8,427,514 8,444,714 8,475,614 8,502,614
Avg Diluted Shares(actual) 8,446,998 8,482,512 8,497,374 8,476,292 8,513,129
Basic Book Value per Share 6.69 7.26 7.92 8.77 9.82
As-reported Book Value per Share 6.69 7.26 7.92 8.77 9.82
Basic Tangible Book Value per Share 6.69 7.26 7.92 8.77 9.82
Reported: Tangible Book Value 6.69 7.26 7.92 8.77 9.82
Common Dividends Declared per Share 0.35 0.35 0.36 0.37 0.38
EPS after Extra 0.76 0.77 0.85 1.06 1.31
EPS after Extra Growth(%) 8.60 2 9.70 25.40 23.60
Core EPS 0.75 0.77 0.86 1.06 1.31
Core EPS Growth(%) 8.40 2.10 11.30 23.70 23.60
Diluted EPS before Amortization 0.76 0.77 0.85 1.06 1.31
Pre-Provision Earnings per Share 0.83 0.81 0.86 1.02 1.28
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.
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