Financial Highlights

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Financial Highlights
2016 FY
9/30/2016
2017 FY
9/30/2017
2018 FY
9/30/2018
2019 FQ3 YTD
6/30/2019
Balance Sheet ($000)
Total Assets 747,174 762,894 768,865 795,031
Total Net Loans 542,922 584,443 615,899 614,691
Total Deposits 523,420 548,755 582,078 595,155
Equity Attributable to Parent Company 65,675 68,900 71,838 75,109
Total Equity 65,675 68,900 71,838 75,109
Profitability (%)
Net Income($000) 5,481 5,650 7,110 6,230
Net Income Attributable to Parent($000) 5,481 5,650 7,110 6,230
ROAA 0.72 0.74 0.92 1.07
Core ROAA 0.72 0.73 0.97 1.05
ROAE 8.48 8.39 10.12 11.28
ROATCE 8.48 8.39 10.12 11.28
Core ROAE 8.48 8.23 10.63 11.08
Net Interest Margin 2.77 2.83 3.13 3.23
Reported: Net Interest Margin 2.74 2.84 3.13 3.23
Efficiency Ratio 61.21 62.34 58.95 57.05
Noninterest Inc/ Operating Rev 10.68 10.13 9.81 9.11
Balance Sheet Ratios (%)
Loans/ Deposits 104.48 107.24 106.48 104.05
Securities/ Assets 20.29 18.11 14.72 15.15
Total Equity/ Total Assets 8.79 9.03 9.34 9.45
Tangible Equity/ Tangible Assets 8.79 9.03 9.34 9.45
Tang Common Equity/ Tang Assets 8.79 9.03 9.34 9.45
Asset Quality (%)
NPAs/ Assets 1.69 1.72 1.48 1.23
NPA Excl Restructured/ Assets 1.36 1.61 1.38 1.12
NPAs & 90+ PD/ Assets 1.69 1.72 1.48 1.24
NPAs/ Loans & REO 2.31 2.23 1.83 1.58
Nonaccrual & 90+ & OREO/ Assets 1.36 1.61 1.38 1.13
NPAs & 90+ PD/ Loans & REO 2.31 2.23 1.83 1.59
NPA & Loans 90+/ Tangible Common Equity + LLR 18.18 18.01 15.01 12.34
NCOs/ Avg Loans 0.09 0.10 0.19 0.03
Loan Loss Reserves/ Gross Loans 0.72 0.69 0.63 0.73
Reserves/ NPAs 31.24 30.94 34.49 46.49
Loan Loss Provision/ NCO 155.98 120.51 88.06 547.86
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 65,561 68,845 71,901 75,132
Tier 1 Capital($000) 65,561 68,845 71,901 75,132
Tier 2 Capital($000) 4,035 4,148 4,006 4,632
Total Capital($000) 69,596 72,993 75,907 79,764
Total Risk-weighted Assets($000) 506,881 535,188 552,138 555,601
Tier 1 Common Capital (CET1) Ratio(%) 12.93 12.86 13.02 13.52
Tier 1 Ratio(%) 12.93 12.86 13.02 13.52
Total Capital Ratio(%) 13.73 13.64 13.75 14.36
Liquidity Coverage Ratio(%) NA NA NA NA
Leverage Ratio(%) 8.67 8.92 9.26 9.53
Basel III Leverage Ratio(%) NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 3,686,890 3,759,637 3,744,046 3,759,019
Avg Diluted Shares(actual) 3,775,173 3,818,833 3,844,533 3,823,846
Basic Book Value per Share 17.81 18.33 19.19 19.98
Book Value per Share, As Reported 17.81 18.33 19.19 19.98
Basic Tangible Book Value per Share 17.81 18.33 19.19 19.98
Tangible Book Value per Share, As Reported 17.81 18.33 19.19 19.98
Common Dividends Declared per Share 0.84 0.87 0.91 0.73
EPS after Extra 1.45 1.48 1.85 1.63
EPS after Extra Growth(%) 11.50 2.10 25 25.40
Core EPS 1.45 1.45 1.94 1.60
Core EPS Growth(%) 14.90 0 33.90 23.10
Diluted EPS before Amortization 1.45 1.48 1.85 1.63
Pre-Provision Earnings per Share 1.56 1.51 2.27 1.90
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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