|
|
| Balance Sheet ($000)
| |
| Total Assets | 850,873 | 775,872 | 9.67 | 823,398 | 13.35 |
| Total Net Loans | 620,978 | 541,876 | 14.60 | 605,595 | 10.16 |
| Total Deposits | 688,878 | 635,745 | 8.36 | 633,680 | 34.84 |
| Equity Attributable to Parent Company | 81,646 | 75,299 | 8.43 | 80,446 | 5.97 |
| Total Equity | 81,646 | 75,299 | 8.43 | 80,446 | 5.97 |
| Profitability (%)
| |
| Net Income
($000)
| 1,763 | 1,622 | 8.69 | 971 | 326.26 |
| Net Income Attributable to Parent
($000)
| 1,763 | 1,622 | 8.69 | 971 | 326.26 |
| ROAA | 0.84 | 0.86 |
(2)
bp
| 0.48 | 36
bp
|
| Core ROAA | NA | 0.86 | NA
bp
| 0.48 | NA
bp
|
| ROAE | 8.70 | 8.65 | 5
bp
| 4.80 | 390
bp
|
| ROATCE | 12.02 | 12.34 |
(32)
bp
| 6.53 | 549
bp
|
| Core ROAE | NA | 8.65 | NA
bp
| 4.80 | NA
bp
|
| Net Interest Margin | 3.66 | 3.77 |
(11)
bp
| 3.65 | 1
bp
|
| Reported: Net Interest Margin | 3.66 | 3.75 |
(9)
bp
| 3.60 | 6
bp
|
| Efficiency Ratio | 56.43 | 58.51 |
(208)
bp
| 53.39 | 304
bp
|
| Noninterest Inc /
Operating Rev | 4.40 | 2.70 | 170
bp
| 5.16 |
(76)
bp
|
| Balance Sheet Ratios/ Capital (%)
| |
| Loans /
Deposits | 89.15 | 82.97 | 618
bp
| 93.36 |
(421)
bp
|
| Securities /
Assets | 21.71 | 25.07 |
(336)
bp
| 20.36 | 135
bp
|
| Total Equity /
Total Assets | 9.60 | 9.71 |
(11)
bp
| 9.77 |
(17)
bp
|
| Tangible Equity /
Tangible Assets | 9.60 | 9.71 |
(11)
bp
| 9.77 |
(17)
bp
|
| Tang Common Equity /
Tang Assets | 6.72 | 6.55 | 17
bp
| 6.80 |
(8)
bp
|
| Tier 1 Common Capital Ratio | NA | 8.20 | NA
bp
| 8.11 | NA
bp
|
| Tier 1 Ratio | NA | 12.39 | NA
bp
| 11.84 | NA
bp
|
| Risk-based Capital Ratio | NA | 14.51 | NA
bp
| 13.78 | NA
bp
|
| Leverage Ratio (Bank, BHC Only) | NA | 9.63 | NA
bp
| 9.57 | NA
bp
|
| Core Cap /
Tang Assets (OTS Only) | NA | NA | NA | NA | NA |
| Asset Quality (%)
| |
| NPAs /
Assets | NA | 0.36 | NA
bp
| 0.77 | NA
bp
|
| NPA Excl Restructured /
Assets | NA | 0.32 | NA
bp
| 0.53 | NA
bp
|
| NPAs & 90+ PD /
Assets | NA | 0.36 | NA
bp
| 0.77 | NA
bp
|
| NPAs /
Loans & REO | NA | 0.51 | NA
bp
| 1.04 | NA
bp
|
| Nonaccrual & 90+ & OREO /
Assets | NA | 0.32 | NA
bp
| 0.53 | NA
bp
|
| NPAs & 90+ PD /
Loans & REO | NA | 0.51 | NA
bp
| 1.04 | NA
bp
|
| NPA & Loans 90+ /
Tangible Common Equity + LLR | NA | 4.92 | NA
bp
| 10.16 | NA
bp
|
| NCOs /
Avg Loans | 0 | 0.09 |
(9)
bp
| 1.47 |
(147)
bp
|
| Loan Loss Reserves /
Gross Loans | 1.14 | 1.16 |
(2)
bp
| 1.09 | 5
bp
|
| Reserves /
NPAs | NA | 225.30 | NA
bp
| 105.33 | NA
bp
|
| Loan Loss Provision /
NCO | NM | 261.48 | NM | 98.76 | NM |
| Per Share Information ($)
| |
| Common Shares Outstanding
(actual)
| 3,150,000 | 3,118,366 | 1.01 | 3,136,000 | 1.79 |
| Avg Diluted Shares
(actual)
| 3,205,000 | 3,152,000 | 1.68 | 3,185,000 | 2.51 |
| Basic Book Value per Share | 18.15 | 16.30 | 11.35 | 17.85 | 6.72 |
| As-reported Book Value per Share | 18.15 | 16.30 | 11.35 | 17.85 | 6.72 |
| Basic Tangible Book Value per Share | 18.15 | 16.30 | 11.35 | 17.85 | 6.72 |
| Reported: Tangible Book Value | 18.15 | 16.30 | 11.35 | 17.85 | 6.72 |
| Common Dividends Declared per Share | 0 | 0 | 0 | 0 | 0 |
| EPS after Extra | 0.53 | 0.49 | 8.16 | 0.28 | 357.14 |
| EPS after Extra Growth
(%)
| 8.20 | 32.40 |
(2,427)
bp
| (42.9) | 5,102
bp
|
| Core EPS | NA | 0.49 | NA | 0.28 | NA |
| Core EPS Growth
(%)
| NA | 32.40 | NA
bp
| (42.9) | NA
bp
|
| Diluted EPS before Amortization | 0.53 | 0.49 | 8.16 | 0.28 | 357.14 |
| Pre-Provision Earnings Per Share | 0.64 | 0.58 | 10.34 | 0.68 |
(23.53)
|
