|
|
| Balance Sheet ($000)
| |
| Total Assets | 417,772 | 405,241 | 3.09 | 418,124 |
(0.34)
|
| Total Net Loans | 265,814 | 243,682 | 9.08 | 264,878 | 1.41 |
| Total Deposits | 355,629 | 344,800 | 3.14 | 355,476 | 0.17 |
| Equity Attributable to Parent Company | 43,094 | 41,636 | 3.50 | 43,010 | 0.78 |
| Total Equity | 43,094 | 41,636 | 3.50 | 43,010 | 0.78 |
| Profitability (%)
| |
| Net Income
($000)
| 711 | 864 |
(17.71)
| 473 | 201.27 |
| Net Income Attributable to Parent
($000)
| 711 | 864 |
(17.71)
| 473 | 201.27 |
| ROAA | 0.68 | 0.85 |
(17)
bp
| 0.46 | 22
bp
|
| Core ROAA | 0.69 | 0.75 |
(6)
bp
| 0.50 | 19
bp
|
| ROAE | 6.55 | 8.26 |
(171)
bp
| 4.37 | 218
bp
|
| ROATCE | 12.46 | 16.41 |
(395)
bp
| 8.42 | 404
bp
|
| Core ROAE | 6.62 | 7.26 |
(64)
bp
| 4.70 | 192
bp
|
| Net Interest Margin | 3.60 | 3.83 |
(23)
bp
| 3.76 |
(16)
bp
|
| Reported: Net Interest Margin | 3.56 | 3.77 |
(21)
bp
| 3.64 |
(8)
bp
|
| Efficiency Ratio | 70.59 | 68.31 | 228
bp
| 73.09 |
(250)
bp
|
| Noninterest Inc /
Operating Rev | 23.89 | 22.07 | 182
bp
| 23.57 | 32
bp
|
| Balance Sheet Ratios/ Capital (%)
| |
| Loans /
Deposits | 75.69 | 71.73 | 396
bp
| 75.41 | 28
bp
|
| Securities /
Assets | 24.60 | 28.20 |
(360)
bp
| 22.83 | 177
bp
|
| Total Equity /
Total Assets | 10.32 | 10.27 | 5
bp
| 10.29 | 3
bp
|
| Tangible Equity /
Tangible Assets | 8.05 | 7.89 | 16
bp
| 8.01 | 4
bp
|
| Tang Common Equity /
Tang Assets | 5.60 | 5.36 | 24
bp
| 5.57 | 3
bp
|
| Tier 1 Ratio | 15.92 | 16.47 |
(55)
bp
| 15.77 | 15
bp
|
| Risk-based Capital Ratio | 17.18 | 17.73 |
(55)
bp
| 17.01 | 17
bp
|
| Leverage Ratio (Bank, BHC Only) | 10.24 | 9.97 | 27
bp
| 10.30 |
(6)
bp
|
| Asset Quality (%)
| |
| NPAs /
Assets | 1.54 | 2.03 |
(49)
bp
| 1.65 |
(11)
bp
|
| NPA Excl Restructured /
Assets | 0.44 | 0.87 |
(43)
bp
| 0.52 |
(8)
bp
|
| NPAs & 90+ PD /
Assets | 1.54 | 2.03 |
(49)
bp
| 1.65 |
(11)
bp
|
| NPAs /
Loans & REO | 2.38 | 3.32 |
(94)
bp
| 2.57 |
(19)
bp
|
| Nonaccrual & 90+ & OREO /
Assets | 0.44 | 0.87 |
(43)
bp
| 0.52 |
(8)
bp
|
| NPAs & 90+ PD /
Loans & REO | 2.38 | 3.32 |
(94)
bp
| 2.57 |
(19)
bp
|
| NPA & Loans 90+ /
Tangible Common Equity + LLR | 24.52 | 33.22 |
(870)
bp
| 26.64 |
(212)
bp
|
| NCOs /
Avg Loans | 0.10 | 0.03 | 7
bp
| 0.67 |
(57)
bp
|
| Loan Loss Reserves /
Gross Loans | 1.24 | 1.47 |
(23)
bp
| 1.19 | 5
bp
|
| Reserves /
NPAs | 52.14 | 44.03 | 811
bp
| 46.22 | 592
bp
|
| Loan Loss Provision /
NCO | 351.56 | NM | NM | 89.89 | 26,167
bp
|
| Per Share Information ($)
| |
| Common Shares Outstanding
(actual)
| 995,474 | 995,474 | 0 | 995,474 | 0 |
| Avg Diluted Shares
(actual)
| 995,474 | 995,474 | 0 | 995,474 | 0 |
| Basic Book Value per Share | 33.26 | 31.80 | 4.59 | 33.18 | 0.96 |
| As-reported Book Value per Share | 33.26 | 31.80 | 4.59 | 33.18 | 0.96 |
| Basic Tangible Book Value per Share | 22.94 | 21.26 | 7.90 | 22.80 | 2.46 |
| Common Dividends Declared per Share | 0.30 | 0.30 | 0 | 0.33 |
(36.36)
|
| EPS after Extra | 0.69 | 0.84 |
(17.86)
| 0.45 | 213.33 |
| EPS after Extra Growth
(%)
| (17.9) | 1.20 |
(1,906)
bp
| (23.7) | 587
bp
|
| Core EPS | 0.70 | 0.73 |
(4.11)
| 0.49 | 171.43 |
| Core EPS Growth
(%)
| (5.0) | 2.80 |
(779)
bp
| (22.6) | 1,762
bp
|
| Diluted EPS before Amortization | 0.74 | 0.90 |
(17.78)
| 0.51 | 180.39 |
| Pre-Provision Earnings Per Share | 0.68 | 0.73 |
(6.85)
| 0.60 | 53.33 |
