Financial Highlights

Financial Highlights
2020 FQ2 YTD
3/31/2020
2019 FY
9/30/2019
2018 FY
9/30/2018
2017 FY
9/30/2017
2016 FY
9/30/2016
Balance Sheet ($000)
Total Assets 1,323,101 1,247,132 1,018,290 952,024 891,388
Total Net Loans 913,455 892,733 727,176 693,963 666,750
Total Deposits 1,125,648 1,068,227 889,506 837,898 761,534
Equity Attributable to Parent Company 178,008 171,067 124,657 111,000 96,834
Total Equity 178,008 171,067 124,657 111,000 96,834
Profitability (%)
Net Income($000) 11,701 24,020 16,721 14,167 10,154
Net Income Attributable to Parent($000) 11,701 24,020 16,721 14,167 10,154
ROAA 1.84 1.96 1.70 1.53 1.19
Core ROAA 1.86 2.05 1.79 1.53 1.19
ROAE 13.37 14.91 14.27 13.65 11
ROATCE 15.02 16.78 15 14.43 11.72
Core ROAE 13.52 15.56 15.04 13.63 10.94
Net Interest Margin 4.35 4.50 4.23 4.07 3.88
Reported: Net Interest Margin 4.35 4.50 4.23 4.07 3.88
Efficiency Ratio 48.92 51.11 55.37 57.91 62.43
Noninterest Inc/ Operating Rev 22.50 20.52 24.21 25.98 25.95
Balance Sheet Ratios (%)
Loans/ Deposits 81.69 83.91 82.62 83.53 88.37
Securities/ Assets 6.35 4.73 1.78 1.31 1.24
Total Equity/ Total Assets 13.45 13.72 12.24 11.66 10.86
Tangible Equity/ Tangible Assets 12.33 12.51 11.75 11.13 10.29
Tang Common Equity/ Tang Assets 12.33 12.51 11.75 11.13 10.29
Asset Quality (%)
NPAs/ Assets 0.60 0.63 0.65 0.95 1.72
NPA Excl Restructured/ Assets 0.38 0.40 0.36 0.60 0.87
NPAs & 90+ PD/ Assets 0.60 0.63 0.65 0.95 1.74
NPAs/ Loans & REO 0.86 0.87 0.89 1.28 2.25
Nonaccrual & 90+ & OREO/ Assets 0.38 0.40 0.36 0.60 0.88
NPAs & 90+ PD/ Loans & REO 0.86 0.87 0.89 1.28 2.27
NPA & Loans 90+/ Tangible Common Equity + LLR 4.60 4.84 5.13 7.91 15.33
NCOs/ Avg Loans 0 (0.02) 0 (0.14) 0.02
Loan Loss Reserves/ Gross Loans 1.28 1.07 1.29 1.36 1.45
Reserves/ NPAs 149.48 122.46 144.59 105.13 64
Loan Loss Provision/ NCO NM NM 0 NM 0
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 162,841 155,468 120,175 107,145 92,860
Tier 1 Capital($000) 162,841 155,468 120,175 107,145 92,860
Tier 2 Capital($000) 11,001 9,931 8,780 8,231 7,895
Total Capital($000) 173,842 165,399 128,955 115,376 100,755
Total Risk-weighted Assets($000) 878,797 844,935 701,547 656,954 629,518
Tier 1 Common Capital (CET1) Ratio(%) 18.53 18.40 17.13 16.31 14.75
Tier 1 Ratio(%) 18.53 18.40 17.13 16.31 14.75
Total Capital Ratio(%) 19.78 19.57 18.39 17.56 16
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 12.75 12.65 11.98 11.52 10.54
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 8,309,193 8,329,419 7,401,177 7,361,077 6,943,868
Avg Diluted Shares(actual) 8,465,894 8,468,226 7,526,344 7,380,053 7,105,349
Basic Book Value per Share 21.42 20.54 16.84 15.08 13.95
Book Value per Share, As Reported 21.42 20.54 16.84 15.08 13.95
Basic Tangible Book Value per Share 19.38 18.48 16.08 14.31 13.13
Tangible Book Value per Share, As Reported 19.38 18.48 16.08 14.31 13.13
Common Dividends Declared per Share 0.45 0.78 0.60 0.50 0.37
EPS after Extra 1.38 2.84 2.22 1.92 1.43
EPS after Extra Growth(%) (0.70) 27.90 15.60 34.30 22.20
Core EPS 1.40 2.96 2.34 1.92 1.42
Core EPS Growth(%) 0.80 26.80 22 34.80 24.70
Diluted EPS before Amortization 1.40 2.89 2.22 1.92 1.43
Pre-Provision Earnings per Share 1.57 2.88 2.40 1.76 1.37
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