Financial Highlights

 

Financial Highlights
2018 FQ2
3/31/2018
2017 FQ2
3/31/2017
Y-Y Ch (%)
2018 FQ1
12/31/2017
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 1,653,916 1,484,796 11.39 1,643,673 2.49
Total Net Loans 1,154,781 1,009,905 14.35 1,152,541 0.78
Total Deposits 1,349,261 1,201,731 12.28 1,343,997 1.57
Equity Attributable to Parent Company 221,587 208,413 6.32 218,187 6.23
Total Equity 221,587 208,413 6.32 218,187 6.23
Profitability (%)
Net Income($000) 5,250 3,317 58.28 4,397 77.60
Net Income Attributable to Parent($000) 5,250 3,317 58.28 4,397 77.60
ROAA 1.29 0.91 38 bp 1.08 21 bp
Core ROAA 1.46 0.89 57 bp 1.50 (4) bp
ROAE 9.56 6.47 309 bp 8.10 146 bp
ROATCE 12.20 7.90 430 bp 10.38 182 bp
Core ROAE 10.81 6.35 446 bp 11.31 (50) bp
Net Interest Margin 3.98 3.52 46 bp 3.87 11 bp
Reported: Net Interest Margin 3.98 3.52 46 bp 3.87 11 bp
Efficiency Ratio 60.70 66.36 (566) bp 57.98 272 bp
Noninterest Inc/ Operating Rev 25.26 26.94 (168) bp 27.36 (210) bp
Balance Sheet Ratios (%)
Loans/ Deposits 86.20 84.72 148 bp 86.49 (29) bp
Securities/ Assets 10.82 13.15 (233) bp 11.23 (41) bp
Total Equity/ Total Assets 13.40 14.04 (64) bp 13.27 13 bp
Tangible Equity/ Tangible Assets 11.11 12.14 (103) bp 10.96 15 bp
Tang Common Equity/ Tang Assets 11.11 12.14 (103) bp 10.96 15 bp
Asset Quality (%)
NPAs/ Assets 0.34 0.58 (24) bp 0.44 (10) bp
NPA Excl Restructured/ Assets 0.10 0.24 (14) bp 0.17 (7) bp
NPAs & 90+ PD/ Assets 0.35 0.62 (27) bp 0.46 (11) bp
NPAs/ Loans & REO 0.49 0.85 (36) bp 0.62 (13) bp
Nonaccrual & 90+ & OREO/ Assets 0.10 0.28 (18) bp 0.19 (9) bp
NPAs & 90+ PD/ Loans & REO 0.50 0.90 (40) bp 0.65 (15) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 3.04 4.95 (191) bp 4.04 (100) bp
NCOs/ Avg Loans (0.12) (0.06) (6) bp (0.01) (11) bp
Loan Loss Reserves/ Gross Loans 0.95 1.03 (8) bp 0.96 (1) bp
Reserves/ NPAs 196.38 121.59 7,479 bp 154.10 4,228 bp
Loan Loss Provision/ NCO NM NM NM NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 182,018 178,496 1.97 177,782 9.53
Tier 1 Capital($000) 188,811 185,152 1.98 184,541 9.26
Tier 2 Capital($000) 11,110 10,505 5.76 11,114 (0.14)
Total Capital($000) 199,921 195,657 2.18 195,655 8.72
Total Risk-weighted Assets($000) 1,238,304 1,091,027 13.50 1,230,894 2.41
Tier 1 Common Capital (CET1) Ratio(%) 14.70 16.36 (166) bp 14.44 26 bp
Tier 1 Ratio(%) 15.25 16.97 (172) bp 14.99 26 bp
Total Capital Ratio(%) 16.14 17.93 (179) bp 15.90 24 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.83 12.92 (109) bp 11.55 28 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 15,137,631 15,060,616 0.51 15,132,320 0.14
Avg Diluted Shares(actual) 15,371,827 15,340,320 0.21 15,235,942 3.57
Basic Book Value per Share 14.64 13.84 5.78 14.42 6.10
As-reported Book Value per Share 14.64 13.84 5.78 14.42 6.10
Basic Tangible Book Value per Share 11.83 11.70 1.11 11.59 8.28
Reported: Tangible Book Value 11.83 11.70 1.11 11.59 8.28
Common Dividends Declared per Share 0.08 0.06 33.33 0.08 0
EPS after Extra 0.34 0.22 54.55 0.29 68.97
EPS after Extra Growth(%) 54.50 57.10 (259) bp (12.10) 6,667 bp
Core EPS 0.38 0.22 72.73 0.40 (20)
Core EPS Growth(%) 78.20 61.30 1,698 bp 24.20 5,406 bp
Diluted EPS before Amortization 0.35 0.23 52.17 0.30 66.67
Pre-Provision Earnings per Share 0.39 0.22 77.27 0.35 45.71

   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.


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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