Financial Highlights

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Financial Highlights
2017 FY
9/30/2017
2018 FY
9/30/2018
2019 FY
9/30/2019
2019 FQ4 YTD
9/30/2019
Balance Sheet ($000)
Total Assets 762,894 768,865 779,256 779,256
Total Net Loans 584,443 615,899 604,784 604,784
Total Deposits 548,755 582,078 586,342 586,342
Equity Attributable to Parent Company 68,900 71,838 76,247 76,247
Total Equity 68,900 71,838 76,247 76,247
Profitability (%)
Net Income($000) 5,650 7,110 8,149 8,149
Net Income Attributable to Parent($000) 5,650 7,110 8,149 8,149
ROAA 0.74 0.92 1.04 1.04
Core ROAA 0.73 0.97 1.03 1.03
ROAE 8.39 10.12 10.99 10.99
ROATCE 8.39 10.12 10.99 10.99
Core ROAE 8.23 10.63 10.84 10.84
Net Interest Margin 2.83 3.13 3.21 3.21
Reported: Net Interest Margin 2.84 3.13 3.21 3.21
Efficiency Ratio 62.34 58.95 57.16 57.16
Noninterest Inc/ Operating Rev 10.13 9.81 9.14 9.14
Balance Sheet Ratios (%)
Loans/ Deposits 107.24 106.48 103.96 103.96
Securities/ Assets 18.11 14.72 15.75 15.75
Total Equity/ Total Assets 9.03 9.34 9.78 9.78
Tangible Equity/ Tangible Assets 9.03 9.34 9.78 9.78
Tang Common Equity/ Tang Assets 9.03 9.34 9.78 9.78
Asset Quality (%)
NPAs/ Assets 1.72 1.48 1.27 1.27
NPA Excl Restructured/ Assets 1.61 1.38 1.16 1.16
NPAs & 90+ PD/ Assets 1.72 1.48 1.27 1.27
NPAs/ Loans & REO 2.23 1.83 1.62 1.62
Nonaccrual & 90+ & OREO/ Assets 1.61 1.38 1.16 1.16
NPAs & 90+ PD/ Loans & REO 2.23 1.83 1.62 1.62
NPA & Loans 90+/ Tangible Common Equity + LLR 18.01 15.01 12.19 12.19
NCOs/ Avg Loans 0.10 0.19 0.02 0.02
Loan Loss Reserves/ Gross Loans 0.69 0.63 0.78 0.78
Reserves/ NPAs 30.94 34.49 48.19 48.19
Loan Loss Provision/ NCO 120.51 88.06 NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 68,845 71,901 76,253 76,253
Tier 1 Capital($000) 68,845 71,901 76,253 76,253
Tier 2 Capital($000) 4,148 4,006 4,842 4,842
Total Capital($000) 72,993 75,907 81,095 81,095
Total Risk-weighted Assets($000) 535,188 552,138 544,678 544,678
Tier 1 Common Capital (CET1) Ratio(%) 12.86 13.02 14 14
Tier 1 Ratio(%) 12.86 13.02 14 14
Total Capital Ratio(%) 13.64 13.75 14.89 14.89
Liquidity Coverage Ratio(%) NA NA NA NA
Leverage Ratio(%) 8.92 9.26 9.72 9.72
Basel III Leverage Ratio(%) NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 3,759,637 3,744,046 3,764,057 3,764,057
Avg Diluted Shares(actual) 3,818,833 3,844,533 3,821,965 3,821,965
Basic Book Value per Share 18.33 19.19 20.26 20.26
Book Value per Share, As Reported 18.33 19.19 20.26 20.26
Basic Tangible Book Value per Share 18.33 19.19 20.26 20.26
Tangible Book Value per Share, As Reported 18.33 19.19 20.26 20.26
Common Dividends Declared per Share 0.87 0.91 0.98 0.98
EPS after Extra 1.48 1.85 2.13 2.13
EPS after Extra Growth(%) 2.10 25 15.10 15.10
Core EPS 1.45 1.94 2.10 2.10
Core EPS Growth(%) 0 33.90 8.10 8.10
Diluted EPS before Amortization 1.48 1.85 2.13 2.13
Pre-Provision Earnings per Share 1.51 2.27 2.49 2.49
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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