Financial Highlights

Financial Highlights
2018 FQ2 YTD
3/31/2018
2017 FY
9/30/2017
2016 FY
9/30/2016
2015 FY
9/30/2015
2014 FY
9/30/2014
Balance Sheet ($000)
Total Assets 1,001,201 952,024 891,388 815,815 745,565
Total Net Loans 712,549 693,963 666,750 607,328 565,752
Total Deposits 880,411 837,898 761,534 678,912 615,116
Equity Attributable to Parent Company 117,843 111,000 96,834 89,187 82,778
Total Equity 117,843 111,000 96,834 89,187 82,778
Profitability (%)
Net Income($000) 7,883 14,167 10,154 8,292 5,850
Net Income Attributable to Parent($000) 7,883 14,167 10,154 8,292 5,850
ROAA 1.63 1.53 1.19 1.07 0.79
Core ROAA 1.72 1.53 1.19 1.04 0.80
ROAE 13.86 13.65 11 9.70 7.08
ROATCE 14.58 14.43 11.72 10.39 7.69
Core ROAE 14.61 13.63 10.94 9.46 7.14
Net Interest Margin 4.19 4.07 3.88 3.80 3.84
Reported: Net Interest Margin 4.19 4.07 3.88 3.80 3.84
Efficiency Ratio 56.68 57.91 62.43 68.58 71.70
Noninterest Inc/ Operating Rev 24.50 25.98 25.95 25.81 24.70
Balance Sheet Ratios (%)
Loans/ Deposits 81.57 83.53 88.37 90.47 93.52
Securities/ Assets 1.34 1.31 1.24 1.47 1.80
Total Equity/ Total Assets 11.77 11.66 10.86 10.93 11.10
Tangible Equity/ Tangible Assets 11.27 11.13 10.29 10.31 10.42
Tang Common Equity/ Tang Assets 11.27 11.13 10.29 10.31 10.42
Asset Quality (%)
NPAs/ Assets 0.76 0.95 1.72 3.35 5.08
NPA Excl Restructured/ Assets 0.46 0.60 0.87 1.82 2.83
NPAs & 90+ PD/ Assets 0.76 0.95 1.74 3.37 5.19
NPAs/ Loans & REO 1.05 1.28 2.25 4.36 6.46
Nonaccrual & 90+ & OREO/ Assets 0.46 0.60 0.88 1.84 2.94
NPAs & 90+ PD/ Loans & REO 1.05 1.28 2.27 4.39 6.60
NPA & Loans 90+/ Tangible Common Equity + LLR 6.24 7.91 15.33 29.38 44.22
NCOs/ Avg Loans 0 (0.14) 0.02 (0.17) 0.12
Loan Loss Reserves/ Gross Loans 1.32 1.36 1.45 1.61 1.81
Reserves/ NPAs 125.69 105.13 64 36.34 27.51
Loan Loss Provision/ NCO 0 NM 0 NM 0
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 113,333 107,145 92,860 85,221 78,480
Tier 1 Capital($000) 113,333 107,145 92,860 85,221 78,480
Tier 2 Capital($000) 8,471 8,231 7,895 7,690 NA
Total Capital($000) 121,804 115,376 100,755 92,911 85,692
Total Risk-weighted Assets($000) 676,370 656,954 629,518 612,758 573,576
Tier 1 Common Capital (CET1) Ratio(%) 16.76 16.31 14.75 13.91 13.68
Tier 1 Ratio(%) 16.76 16.31 14.75 13.91 13.68
Total Capital Ratio(%) 18.01 17.56 16 15.16 14.94
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.66 11.52 10.54 10.64 10.59
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 7,390,227 7,361,077 6,943,868 6,988,848 7,047,336
Avg Diluted Shares(actual) 7,510,092 7,380,053 7,105,349 7,069,088 7,019,676
Basic Book Value per Share 15.95 15.08 13.95 12.76 11.75
As-reported Book Value per Share 15.95 15.08 13.95 12.76 11.75
Basic Tangible Book Value per Share 15.18 14.31 13.13 11.95 10.94
Reported: Tangible Book Value 15.18 14.31 13.13 11.95 10.94
Common Dividends Declared per Share 0.24 0.50 0.37 0.24 0.16
EPS after Extra 1.05 1.92 1.43 1.17 0.80
EPS after Extra Growth(%) 22.10 34.30 22.20 46.30 37.90
Core EPS 1.11 1.92 1.42 1.14 0.81
Core EPS Growth(%) 28.80 34.80 24.70 41.20 55.50
Diluted EPS before Amortization 1.05 1.92 1.43 1.17 0.82
Pre-Provision Earnings per Share 1.13 1.76 1.37 0.98 0.76
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