Financial Highlights

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Select Period: Financial Charting
 2018 FQ22017 FQ2 2018 FQ1 
Period Ended6/30/20186/30/2017Y-Y Ch (%)3/31/2018 Q-Q Ch (%)
Balance Sheet ($000)   
Total Assets413,565352,02317.48409,8373.64
Total Net Loans276,574244,90112.93266,78614.68
Total Deposits375,083318,32517.83372,6282.64
Equity Attributable to Parent Company37,11132,83613.0235,70615.74
Total Equity37,11132,83613.0235,70615.74
Profitability (%)   
Net Income ($000) 1,54191568.421,46421.04
Net Income Attributable to Parent ($000) 1,54191568.421,46421.04
ROAA1.541.0549  bp 1.4410  bp
Core ROAANA1.05NA  bp 1.44NA  bp
ROAE16.9211.33559  bp 16.6329  bp
ROATCE16.9211.33559  bp 16.6329  bp
Core ROAENA11.33NA  bp 16.63NA  bp
Net Interest Margin4.524.2725  bp 4.2626  bp
Reported: Net Interest Margin4.524.2626  bp 4.2626  bp
Efficiency Ratio54.8854.92 (4)  bp 56.20 (132)  bp
Noninterest Inc / Operating Rev8.8613.54 (468)  bp 9.01 (15)  bp
Balance Sheet Ratios (%)   
Loans / Deposits74.6377.89 (326)  bp 72.50213  bp
Securities / AssetsNA19.69NA  bp 19.19NA  bp
Total Equity / Total Assets8.979.33 (36)  bp 8.7126  bp
Tangible Equity / Tangible Assets8.979.33 (36)  bp 8.7126  bp
Tang Common Equity / Tang Assets8.979.33 (36)  bp 8.7126  bp
Asset Quality (%)   
NPAs / AssetsNA0.72NA  bp 0.61NA  bp
NPA Excl Restructured / AssetsNA0.72NA  bp 0.61NA  bp
NPAs & 90+ PD / AssetsNA0.72NA  bp 0.61NA  bp
NPAs / Loans & REONA1.03NA  bp 0.93NA  bp
Nonaccrual & 90+ & OREO / AssetsNA0.72NA  bp 0.61NA  bp
NPAs & 90+ PD / Loans & REONA1.03NA  bp 0.93NA  bp
NPA & Loans 90+ / Tangible Common Equity + LLRNA7.10NA  bp 6.43NA  bp
NCOs / Avg Loans00.53 (53)  bp 00  bp
Loan Loss Reserves / Gross Loans1.201.22 (2)  bp 1.25 (5)  bp
Reserves / NPAsNA118.84NA  bp 133.86NA  bp
Loan Loss Provision / NCONM121.17NMNMNM
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) NA32,061NA35,780NA
Tier 1 Capital ($000) NA32,061NA35,780NA
Tier 2 Capital ($000) NA2,617NA2,854NA
Total Capital ($000) NA34,678NA38,634NA
Total Risk-weighted Assets ($000) NA208,948NA227,818NA
Tier 1 Common Capital (CET1) Ratio (%) NA15.34NA  bp 15.71NA  bp
Tier 1 Ratio (%) NA15.34NA  bp 15.71NA  bp
Total Capital Ratio (%) NA16.60NA  bp 16.96NA  bp
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) NA9.18NA  bp 8.77NA  bp
Basel III Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 2,853,6722,818,0661.262,857,139 (0.49)
Avg Diluted Shares (actual) 2,919,4322,872,6781.632,918,0370.19
Basic Book Value per Share13.0011.6511.5912.5016
As-reported Book Value per Share13.0011.6511.5912.5016
Basic Tangible Book Value per Share13.0011.6511.5912.5016
Reported: Tangible Book Value13.0011.6511.5912.5016
Common Dividends Declared per Share00000
EPS after Extra0.530.3265.620.5024
EPS after Extra Growth (%) 65.6018.504,710  bp 72.40 (679)  bp
Core EPSNA0.32NA0.50NA
Core EPS Growth (%) NA18.70NA  bp 73.70NA  bp
Diluted EPS before Amortization0.530.3265.620.5024
Pre-Provision Earnings per Share0.580.4334.880.5337.74
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   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.



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