Financial Highlights

Financial Highlights
2018 FQ3 YTD
3/31/2018
2017 FY
6/30/2017
2016 FY
6/30/2016
2015 FY
6/30/2015
2014 FY
6/30/2014
Balance Sheet ($000)
Total Assets 1,173,788 982,291 868,781 738,647 674,161
Total Net Loans 678,495 624,187 522,764 443,496 399,309
Total Deposits 1,052,247 859,535 738,887 622,717 589,574
Equity Attributable to Parent Company 92,667 83,521 74,301 66,920 61,200
Total Equity 92,667 83,521 74,301 66,920 61,200
Profitability (%)
Net Income($000) 10,789 11,187 8,963 7,189 6,528
Net Income Attributable to Parent($000) 10,789 11,187 8,963 7,189 6,528
ROAA 1.37 1.22 1.13 1.02 0.99
Core ROAA NA 1.22 1.13 1.04 0.99
ROAE 16.34 14.25 12.68 11.19 11.18
ROATCE 16.34 14.25 12.68 11.19 11.18
Core ROAE NA 14.25 12.68 11.35 11.18
Net Interest Margin 3.50 3.64 3.62 3.64 3.34
Reported: Net Interest Margin 3.50 3.64 3.62 3.64 3.34
Efficiency Ratio 49.08 50.99 54.81 57.95 60.19
Noninterest Inc/ Operating Rev 17.71 17.45 18.53 19.58 19.79
Balance Sheet Ratios (%)
Loans/ Deposits 65.59 73.90 72.03 72.53 68.99
Securities/ Assets 33.78 32.32 35.43 34.86 35.55
Total Equity/ Total Assets 7.89 8.50 8.55 9.06 9.08
Tangible Equity/ Tangible Assets 7.89 8.50 8.55 9.06 9.08
Tang Common Equity/ Tang Assets 7.89 8.50 8.55 9.06 9.08
Asset Quality (%)
NPAs/ Assets NA 0.54 0.53 0.87 1.17
NPA Excl Restructured/ Assets NA 0.44 0.43 0.74 0.95
NPAs & 90+ PD/ Assets NA 0.55 0.54 0.88 1.21
NPAs/ Loans & REO NA 0.83 0.87 1.42 1.93
Nonaccrual & 90+ & OREO/ Assets NA 0.45 0.43 0.75 0.98
NPAs & 90+ PD/ Loans & REO NA 0.84 0.88 1.44 2
NPA & Loans 90+/ Tangible Common Equity + LLR NA 5.67 5.62 8.66 11.87
NCOs/ Avg Loans 0.09 0.06 0.07 0.19 0.29
Loan Loss Reserves/ Gross Loans 1.68 1.74 1.78 1.80 1.82
Reserves/ NPAs NA 208.47 204.86 126.82 94.20
Loan Loss Provision/ NCO 235.14 510.96 506.97 186.79 133.81
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 80,671 NA NA NA
Tier 1 Capital($000) NA 80,671 NA NA NA
Tier 2 Capital($000) NA 7,048 NA NA NA
Total Capital($000) NA 87,719 NA NA NA
Total Risk-weighted Assets($000) NA 555,415 NA NA NA
Tier 1 Common Capital (CET1) Ratio(%) NA 14.52 NA NA NA
Tier 1 Ratio(%) NA 14.52 NA NA NA
Total Capital Ratio(%) NA 15.79 NA NA NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA 8.48 NA NA NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 8,526,614 8,502,614 8,475,614 8,444,714 8,427,514
Avg Diluted Shares(actual) 8,533,850 8,513,129 8,476,292 8,497,374 8,482,512
Basic Book Value per Share 10.87 9.82 8.77 7.92 7.26
As-reported Book Value per Share 10.87 9.82 8.77 7.92 7.26
Basic Tangible Book Value per Share 10.87 9.82 8.77 7.92 7.26
Reported: Tangible Book Value 10.87 9.82 8.77 7.92 7.26
Common Dividends Declared per Share 0.29 0.38 0.37 0.36 0.35
EPS after Extra 1.26 1.31 1.06 0.85 0.77
EPS after Extra Growth(%) 28.60 23.60 25.40 9.70 2
Core EPS NA 1.31 1.06 0.86 0.77
Core EPS Growth(%) NA 23.60 23.70 11.30 2.10
Diluted EPS before Amortization 1.26 1.31 1.06 0.85 0.77
Pre-Provision Earnings per Share 1.14 1.28 1.02 0.86 0.81
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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