|
|
| Balance Sheet ($000)
| |
| Total Assets | 464,268 | 409,533 | 13.37 | 445,161 | 17.17 |
| Total Net Loans | 265,113 | 229,348 | 15.59 | 254,773 | 16.23 |
| Total Deposits | 381,874 | 354,638 | 7.68 | 385,887 |
(4.16)
|
| Equity Attributable to Parent Company | 36,348 | 33,027 | 10.06 | 36,810 |
(5.02)
|
| Total Equity | 36,348 | 33,027 | 10.06 | 36,810 |
(5.02)
|
| Profitability (%)
| |
| Net Income
($000)
| 550 | 728 |
(24.45)
| 1,072 |
(194.78)
|
| Net Income Attributable to Parent
($000)
| 550 | 728 |
(24.45)
| 1,072 |
(194.78)
|
| ROAA | 0.48 | 0.71 |
(23)
bp
| 0.95 |
(47)
bp
|
| Core ROAA | 0.22 | 0.49 |
(27)
bp
| 0.88 |
(66)
bp
|
| ROAE | 6.01 | 9.08 |
(307)
bp
| 12.40 |
(639)
bp
|
| ROATCE | 6.01 | 9.08 |
(307)
bp
| 12.40 |
(639)
bp
|
| Core ROAE | 2.68 | 6.21 |
(353)
bp
| 11.46 |
(878)
bp
|
| Net Interest Margin | 3.46 | 3.62 |
(16)
bp
| 3.46 | 0
bp
|
| Reported: Net Interest Margin | 3.46 | 3.55 |
(9)
bp
| 3.60 |
(14)
bp
|
| Efficiency Ratio | 86.96 | 72.08 | 1,488
bp
| 76.44 | 1,052
bp
|
| Noninterest Inc /
Operating Rev | 4.37 | 15.04 |
(1,067)
bp
| 12.61 |
(824)
bp
|
| Balance Sheet Ratios/ Capital (%)
| |
| Loans /
Deposits | 70.51 | 65.86 | 465
bp
| 67.10 | 341
bp
|
| Securities /
Assets | 35.91 | 36.03 |
(12)
bp
| 36.05 |
(14)
bp
|
| Total Equity /
Total Assets | 7.83 | 8.06 |
(23)
bp
| 8.27 |
(44)
bp
|
| Tangible Equity /
Tangible Assets | 7.83 | 8.06 |
(23)
bp
| 8.27 |
(44)
bp
|
| Tang Common Equity /
Tang Assets | 7.83 | 8.06 |
(23)
bp
| 8.27 |
(44)
bp
|
| Tier 1 Common Capital Ratio | NA | NA | NA | NA | NA |
| Tier 1 Ratio | 13.37 | 14.13 |
(76)
bp
| 13.71 |
(34)
bp
|
| Risk-based Capital Ratio | 14.64 | 15.38 |
(74)
bp
| 14.96 |
(32)
bp
|
| Leverage Ratio (Bank, BHC Only) | 9.64 | 9.80 |
(16)
bp
| 9.47 | 17
bp
|
| Core Cap /
Tang Assets (OTS Only) | NA | NA | NA | NA | NA |
| Asset Quality (%)
| |
| NPAs /
Assets | NA | 0.89 | NA
bp
| 0.90 | NA
bp
|
| NPA Excl Restructured /
Assets | NA | 0.89 | NA
bp
| 0.82 | NA
bp
|
| NPAs & 90+ PD /
Assets | NA | 0.89 | NA
bp
| NA | NA |
| NPAs /
Loans & REO | NA | 1.54 | NA
bp
| 1.53 | NA
bp
|
| Nonaccrual & 90+ & OREO /
Assets | NA | 0.89 | NA
bp
| NA | NA |
| NPAs & 90+ PD /
Loans & REO | NA | 1.54 | NA
bp
| NA | NA |
| NPA & Loans 90+ /
Tangible Common Equity + LLR | NA | 9.81 | NA
bp
| NA | NA |
| NCOs /
Avg Loans | (0.01) | 0.40 |
(41)
bp
| (0.25) | 24
bp
|
| Loan Loss Reserves /
Gross Loans | 1.54 | 1.81 |
(27)
bp
| 1.60 |
(6)
bp
|
| Reserves /
NPAs | NA | 115.52 | NA
bp
| 103.29 | NA
bp
|
| Loan Loss Provision /
NCO | NM | 52.17 | NM | NM | NM |
| Per Share Information ($)
| |
| Common Shares Outstanding
(actual)
| 2,610,687 | 2,600,645 | 0.39 | 2,602,607 | 1.24 |
| Avg Diluted Shares
(actual)
| 2,670,111 | 2,625,100 | 1.71 | 2,657,833 | 1.85 |
| Basic Book Value per Share | 13.92 | 12.70 | 9.61 | 14.14 |
(6.22)
|
| As-reported Book Value per Share | 13.92 | 12.70 | 9.61 | 14.14 |
(6.22)
|
| Basic Tangible Book Value per Share | 13.92 | 12.70 | 9.61 | 14.14 |
(6.22)
|
| Reported: Tangible Book Value | 13.92 | 12.70 | 9.61 | 14.14 |
(6.22)
|
| Common Dividends Declared per Share | 0 | 0 | 0 | 0 | 0 |
| EPS after Extra | 0.21 | 0.28 |
(25)
| 0.40 |
(190)
|
| EPS after Extra Growth
(%)
| (25.0) | 64.70 |
(8,971)
bp
| 73.90 |
(9,891)
bp
|
| Core EPS | 0.09 | 0.19 |
(52.63)
| 0.37 |
(302.70)
|
| Core EPS Growth
(%)
| (51.2) | 25.70 |
(7,690)
bp
| 74.10 |
(12,526)
bp
|
| Diluted EPS before Amortization | 0.21 | 0.28 |
(25)
| 0.40 |
(190)
|
| Pre-Provision Earnings Per Share | 0.06 | 0.19 |
(68.42)
| 0.33 |
(327.27)
|
