Financial Highlights

Financial Highlights
2017 FY
9/30/2017
2016 FY
9/30/2016
2015 FY
9/30/2015
2014 FY
9/30/2014
2013 FY
9/30/2013
Balance Sheet ($000)
Total Assets 952,024 891,388 815,815 745,565 745,648
Total Net Loans 693,963 666,750 607,328 565,752 548,104
Total Deposits 837,898 761,534 678,912 615,116 608,262
Equity Attributable to Parent Company 111,000 96,834 89,187 82,778 89,688
Total Equity 111,000 96,834 89,187 82,778 89,688
Profitability (%)
Net Income($000) 14,167 10,154 8,292 5,850 4,757
Net Income Attributable to Parent($000) 14,167 10,154 8,292 5,850 4,757
ROAA 1.53 1.19 1.07 0.79 0.64
Core ROAA 1.53 1.19 1.04 0.80 0.62
ROAE 13.65 11 9.70 7.08 5.27
ROATCE 14.43 11.72 10.39 7.69 5.82
Core ROAE 13.63 10.94 9.46 7.14 5.09
Net Interest Margin 4.07 3.88 3.80 3.84 3.82
Reported: Net Interest Margin 4.07 3.88 3.80 3.84 3.82
Efficiency Ratio 57.91 62.43 68.58 71.70 65.30
Noninterest Inc/ Operating Rev 25.98 25.95 25.81 24.70 28.55
Balance Sheet Ratios (%)
Loans/ Deposits 83.53 88.37 90.47 93.52 91.63
Securities/ Assets 1.31 1.24 1.47 1.80 1.65
Total Equity/ Total Assets 11.66 10.86 10.93 11.10 12.03
Tangible Equity/ Tangible Assets 11.13 10.29 10.31 10.42 11.34
Tang Common Equity/ Tang Assets 11.13 10.29 10.31 10.42 9.73
Asset Quality (%)
NPAs/ Assets 0.95 1.72 3.35 5.08 6.18
NPA Excl Restructured/ Assets 0.60 0.87 1.82 2.83 3.69
NPAs & 90+ PD/ Assets 0.95 1.74 3.37 5.19 6.24
NPAs/ Loans & REO 1.28 2.25 4.36 6.46 8.04
Nonaccrual & 90+ & OREO/ Assets 0.60 0.88 1.84 2.94 3.75
NPAs & 90+ PD/ Loans & REO 1.28 2.27 4.39 6.60 8.12
NPA & Loans 90+/ Tangible Common Equity + LLR 7.91 15.33 29.38 44.22 55.98
NCOs/ Avg Loans (0.14) 0.02 (0.17) 0.12 0.65
Loan Loss Reserves/ Gross Loans 1.36 1.45 1.61 1.81 1.99
Reserves/ NPAs 105.13 64 36.34 27.51 24.16
Loan Loss Provision/ NCO NM 0 NM 0 80.94
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 107,145 92,860 85,221 78,480 73,222
Tier 1 Capital($000) 107,145 92,860 85,221 78,480 85,158
Tier 2 Capital($000) 8,231 7,895 7,690 NA NA
Total Capital($000) 115,376 100,755 92,911 85,692 92,168
Total Risk-weighted Assets($000) 656,954 629,518 612,758 573,576 556,480
Tier 1 Common Capital (CET1) Ratio(%) 16.31 14.75 13.91 13.68 13.16
Tier 1 Ratio(%) 16.31 14.75 13.91 13.68 15.30
Total Capital Ratio(%) 17.56 16 15.16 14.94 16.56
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.52 10.54 10.64 10.59 11.48
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 7,361,077 6,943,868 6,988,848 7,047,336 7,045,036
Avg Diluted Shares(actual) 7,380,053 7,105,349 7,069,088 7,019,676 6,886,995
Basic Book Value per Share 15.08 13.95 12.76 11.75 11.04
As-reported Book Value per Share 15.08 13.95 12.76 11.75 11.04
Basic Tangible Book Value per Share 14.31 13.13 11.95 10.94 10.22
Reported: Tangible Book Value 14.31 13.13 11.95 10.94 10.22
Common Dividends Declared per Share 0.50 0.37 0.24 0.16 0.09
EPS after Extra 1.92 1.43 1.17 0.80 0.58
EPS after Extra Growth(%) 34.30 22.20 46.30 37.90 11.50
Core EPS 1.92 1.42 1.14 0.81 0.52
Core EPS Growth(%) 34.80 24.70 41.20 55.50 (4.40)
Diluted EPS before Amortization 1.92 1.43 1.17 0.82 0.60
Pre-Provision Earnings per Share 1.76 1.37 0.98 0.76 0.78
Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.
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