Financial Highlights

Financial Highlights
2021 FQ1 YTD
9/30/2020
2020 FY
6/30/2020
2019 FY
6/30/2019
2018 FY
6/30/2018
2017 FY
6/30/2017
Balance Sheet ($000)
Total Assets 726,004 735,517 723,870 638,923 585,474
Total Net Loans 518,241 509,817 487,774 476,480 440,322
Total Deposits 601,731 601,700 607,023 480,421 439,146
Equity Attributable to Parent Company 83,547 82,564 82,461 81,675 83,969
Total Equity 83,547 82,564 82,461 81,675 83,969
COVID-19 Financial Disclosure
Paycheck Protection Program Loan($000) NA NA NA NA NA
PPP Loan Ratio(%) NA NA NA NA NA
COVID-19 Loan Modification($000) NA NA NA NA NA
COVID-19 Loan Modification Ratio(%) NA NA NA NA NA
Processing Fees on PPP Loans($000) NA NA NA NA NA
Profitability (%)
Net Income($000) 1,331 4,245 3,558 1,738 3,919
Net Income Attributable to Parent($000) 1,331 4,245 3,558 1,738 3,919
ROAA 0.73 0.61 0.53 0.28 0.67
Core ROAA 0.64 0.58 0.53 0.49 0.57
ROAE 6.36 5.30 4.41 2.09 4.69
ROATCE 6.36 5.30 4.41 2.09 4.69
Core ROAE 5.59 5.04 4.40 3.67 3.99
Net Interest Margin 2.80 2.75 2.78 2.93 3.14
Reported: Net Interest Margin 2.80 2.75 2.78 2.93 3.14
Efficiency Ratio 69.49 74.72 76.18 75.70 67.53
Noninterest Inc/ Operating Rev 24.04 19.90 18.84 18.98 17.75
Balance Sheet Ratios (%)
Loans/ Deposits 87.21 85.67 81.35 100.37 101.78
Securities/ Assets 22.79 22.49 20.37 20.23 19.50
Total Equity/ Total Assets 11.51 11.23 11.39 12.78 14.34
Tangible Equity/ Tangible Assets 11.51 11.23 11.39 12.78 14.34
Tang Common Equity/ Tang Assets 11.51 11.23 11.39 12.78 14.34
Asset Quality (%)
NPAs/ Assets 0.24 0.28 0.36 1.48 2.05
NPA Excl Restructured/ Assets 0.07 0.11 0.18 1.06 1.68
NPAs & 90+ PD/ Assets 0.25 0.32 0.39 1.52 2.08
NPAs/ Loans & REO 0.33 0.40 0.53 1.95 2.69
Nonaccrual & 90+ & OREO/ Assets 0.09 0.15 0.21 1.10 1.70
NPAs & 90+ PD/ Loans & REO 0.35 0.46 0.58 2.01 2.72
NPA & Loans 90+/ Tangible Common Equity + LLR 2.05 2.65 3.22 11.10 13.41
NCOs/ Avg Loans 0.03 0.04 0 0.35 0.05
Loan Loss Reserves/ Gross Loans 1.24 1.21 1.28 1.23 1.53
Reserves/ NPAs 381.14 304.69 240.70 63.05 56.84
Loan Loss Provision/ NCO NM 57.66 NM 46.61 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 77,910 NA NA NA NA
Tier 1 Capital($000) 77,910 NA NA NA NA
Tier 2 Capital($000) NA NA NA NA NA
Total Capital($000) NA NA NA NA NA
Total Risk-weighted Assets($000) NA NA NA NA NA
Tier 1 Common Capital (CET1) Ratio(%) NA NA 16.30 17.30 18.80
Tier 1 Ratio(%) NA NA 16.30 17.30 18.80
Total Capital Ratio(%) NA NA 17.60 18.48 20.09
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.63 11 11.90 13.40 14.30
Basel III Leverage Ratio(%) NA NA NA NA NA
Pre-Provision Earnings per Share 0.51 1.44 1.18 1.12 1.23
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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