Financial Highlights

Financial Highlights
2018 FQ3
9/30/2018
2017 FQ3
9/30/2017
Y-Y Ch (%)
2018 FQ2
6/30/2018
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 443,449 377,043 17.61 413,565 28.90
Total Net Loans 279,390 241,717 15.59 276,574 4.07
Total Deposits 402,933 342,126 17.77 375,083 29.70
Equity Attributable to Parent Company 38,610 33,804 14.22 37,111 16.16
Total Equity 38,610 33,804 14.22 37,111 16.16
Profitability (%)
Net Income($000) 1,625 1,055 54.03 1,541 21.80
Net Income Attributable to Parent($000) 1,625 1,055 54.03 1,541 21.80
ROAA 1.50 1.13 37 bp 1.54 (4) bp
Core ROAA NA 1.06 NA 1.54 NA
ROAE 17.03 12.58 445 bp 16.92 11 bp
ROATCE 17.03 12.58 445 bp 16.92 11 bp
Core ROAE NA 11.74 NA 16.92 NA
Net Interest Margin 4.55 4.16 39 bp 4.52 3 bp
Reported: Net Interest Margin 4.55 4.16 39 bp 4.52 3 bp
Efficiency Ratio 51.14 54.15 (301) bp 54.91 (377) bp
Noninterest Inc/ Operating Rev 8.71 12.14 (343) bp 8.86 (15) bp
Balance Sheet Ratios (%)
Loans/ Deposits 70.25 71.63 (138) bp 74.63 (438) bp
Securities/ Assets NA 17.11 NA 19.57 NA
Total Equity/ Total Assets 8.71 8.97 (26) bp 8.97 (26) bp
Tangible Equity/ Tangible Assets 8.71 8.97 (26) bp 8.97 (26) bp
Tang Common Equity/ Tang Assets 8.71 8.97 (26) bp 8.97 (26) bp
Asset Quality (%)
NPAs/ Assets NA 0.67 NA 0.61 NA
NPA Excl Restructured/ Assets NA 0.67 NA 0.61 NA
NPAs & 90+ PD/ Assets NA 0.67 NA 0.61 NA
NPAs/ Loans & REO NA 1.03 NA 0.90 NA
Nonaccrual & 90+ & OREO/ Assets NA 0.67 NA 0.61 NA
NPAs & 90+ PD/ Loans & REO NA 1.03 NA 0.90 NA
NPA & Loans 90+/ Tangible Common Equity + LLR NA 6.77 NA 6.21 NA
NCOs/ Avg Loans 0 0.05 (5) bp 0 0 bp
Loan Loss Reserves/ Gross Loans 1.30 1.37 (7) bp 1.20 10 bp
Reserves/ NPAs NA 133.08 NA 133.94 NA
Loan Loss Provision/ NCO NM NM NM NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 33,233 NA 37,440 NA
Tier 1 Capital($000) NA 33,233 NA 37,440 NA
Tier 2 Capital($000) NA 2,722 NA 2,945 NA
Total Capital($000) NA 35,955 NA 40,385 NA
Total Risk-weighted Assets($000) NA 217,079 NA 235,148 NA
Tier 1 Common Capital (CET1) Ratio(%) NA 15.31 NA 15.92 NA
Tier 1 Ratio(%) NA 15.31 NA 15.92 NA
Total Capital Ratio(%) NA 16.56 NA 17.17 NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA 8.92 NA 9.32 NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 2,853,672 2,818,066 1.26 2,855,895 (0.31)
Avg Diluted Shares(actual) 2,901,786 2,885,103 0.58 2,919,432 (2.42)
Basic Book Value per Share 13.53 12 12.75 12.99 16.63
As-reported Book Value per Share 13.53 12 12.75 12.99 16.63
Basic Tangible Book Value per Share 13.53 12 12.75 12.99 16.63
Reported: Tangible Book Value 13.53 12 12.75 12.99 16.63
Common Dividends Declared per Share 0 0 0 0 0
EPS after Extra 0.56 0.37 51.35 0.53 22.64
EPS after Extra Growth(%) 51.40 42.30 904 bp 65.60 (1,427) bp
Core EPS NA 0.35 NA 0.53 NA
Core EPS Growth(%) NA 32.70 NA 65.60 NA
Diluted EPS before Amortization 0.56 0.37 51.35 0.53 22.64
Pre-Provision Earnings per Share 0.70 0.45 55.56 0.58 82.76

   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.


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