Financial Highlights

Financial Highlights
2018 FQ3 YTD
6/30/2018
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 1,006,383 952,024 891,388 815,815 745,565
Total Net Loans 719,645 693,963 666,750 607,328 565,752
Total Deposits 880,727 837,898 761,534 678,912 615,116
Equity Attributable to Parent Company 120,894 111,000 96,834 89,187 82,778
Total Equity 120,894 111,000 96,834 89,187 82,778
Profitability (%)
Net Income($000) 12,299 14,167 10,154 8,292 5,850
Net Income Attributable to Parent($000) 12,299 14,167 10,154 8,292 5,850
ROAA 1.68 1.53 1.19 1.07 0.79
Core ROAA 1.75 1.53 1.19 1.04 0.80
ROAE 14.21 13.65 11 9.70 7.08
ROATCE 14.94 14.43 11.72 10.39 7.69
Core ROAE 14.82 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 56.10 57.91 62.43 68.58 71.70
Noninterest Inc/ Operating Rev 24.44 25.98 25.95 25.81 24.70
Balance Sheet Ratios (%)
Loans/ Deposits 82.53 83.53 88.37 90.47 93.52
Securities/ Assets 1.32 1.31 1.24 1.47 1.80
Total Equity/ Total Assets 12.01 11.66 10.86 10.93 11.10
Tangible Equity/ Tangible Assets 11.52 11.13 10.29 10.31 10.42
Tang Common Equity/ Tang Assets 11.52 11.13 10.29 10.31 10.42
Asset Quality (%)
NPAs/ Assets 0.82 0.95 1.72 3.35 5.08
NPA Excl Restructured/ Assets 0.52 0.60 0.87 1.82 2.83
NPAs & 90+ PD/ Assets 0.86 0.95 1.74 3.37 5.19
NPAs/ Loans & REO 1.12 1.28 2.25 4.36 6.46
Nonaccrual & 90+ & OREO/ Assets 0.56 0.60 0.88 1.84 2.94
NPAs & 90+ PD/ Loans & REO 1.18 1.28 2.27 4.39 6.60
NPA & Loans 90+/ Tangible Common Equity + LLR 6.92 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 1.31 1.36 1.45 1.61 1.81
Reserves/ NPAs 116.09 105.13 64 36.34 27.51
Loan Loss Provision/ NCO 0 NM 0 NM 0
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 116,401 107,145 92,860 85,221 78,480
Tier 1 Capital($000) 116,401 107,145 92,860 85,221 78,480
Tier 2 Capital($000) 8,581 8,231 7,895 7,690 NA
Total Capital($000) 124,982 115,376 100,755 92,911 85,692
Total Risk-weighted Assets($000) 685,343 656,954 629,518 612,758 573,576
Tier 1 Common Capital (CET1) Ratio(%) 16.98 16.31 14.75 13.91 13.68
Tier 1 Ratio(%) 16.98 16.31 14.75 13.91 13.68
Total Capital Ratio(%) 18.24 17.56 16 15.16 14.94
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.80 11.52 10.54 10.64 10.59
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 7,395,927 7,361,077 6,943,868 6,988,848 7,047,336
Avg Diluted Shares(actual) 7,518,447 7,380,053 7,105,349 7,069,088 7,019,676
Basic Book Value per Share 16.35 15.08 13.95 12.76 11.75
As-reported Book Value per Share 16.35 15.08 13.95 12.76 11.75
Basic Tangible Book Value per Share 15.58 14.31 13.13 11.95 10.94
Reported: Tangible Book Value 15.58 14.31 13.13 11.95 10.94
Common Dividends Declared per Share 0.47 0.50 0.37 0.24 0.16
EPS after Extra 1.64 1.92 1.43 1.17 0.80
EPS after Extra Growth(%) 13.90 34.30 22.20 46.30 37.90
Core EPS 1.71 1.92 1.42 1.14 0.81
Core EPS Growth(%) 18.80 34.80 24.70 41.20 55.50
Diluted EPS before Amortization 1.64 1.92 1.43 1.17 0.82
Pre-Provision Earnings per Share 1.75 1.76 1.37 0.98 0.76
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