Financial Highlights

Financial Highlights
2018 FQ2
6/30/2018
2017 FQ2
6/30/2017
Y-Y Ch (%)
2018 FQ1
3/31/2018
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 764,718 689,888 10.85 736,776 15.17
Total Net Loans 511,977 471,418 8.60 485,171 22.10
Total Deposits 679,066 616,159 10.21 652,791 16.10
Equity Attributable to Parent Company 59,497 52,928 12.41 57,291 15.40
Total Equity 59,497 52,928 12.41 57,291 15.40
Profitability (%)
Net Income($000) 3,445 2,541 35.58 3,280 20.12
Net Income Attributable to Parent($000) 3,445 2,541 35.58 3,280 20.12
ROAA 1.87 1.53 34 bp 1.79 8 bp
Core ROAA 1.87 1.54 33 bp 1.71 16 bp
ROAE 23.61 19.61 400 bp 23.23 38 bp
ROATCE 23.66 19.65 401 bp 23.28 38 bp
Core ROAE 23.63 19.61 402 bp 22.12 151 bp
Net Interest Margin 4.73 4.50 23 bp 4.46 27 bp
Reported: Net Interest Margin 4.75 4.51 24 bp 4.52 23 bp
Efficiency Ratio 51 52.76 (176) bp 55.04 (404) bp
Noninterest Inc/ Operating Rev 21.73 25.73 (400) bp 23.58 (185) bp
Balance Sheet Ratios (%)
Loans/ Deposits 75.86 77.18 (132) bp 74.84 102 bp
Securities/ Assets 21.03 16.67 436 bp 20.48 55 bp
Total Equity/ Total Assets 7.78 7.67 11 bp 7.78 0 bp
Tangible Equity/ Tangible Assets 7.77 7.66 11 bp 7.77 0 bp
Tang Common Equity/ Tang Assets 7.77 7.66 11 bp 7.77 0 bp
Asset Quality (%)
NPAs/ Assets 0.39 0.89 (50) bp 0.43 (4) bp
NPA Excl Restructured/ Assets 0.24 0.54 (30) bp 0.28 (4) bp
NPAs & 90+ PD/ Assets 0.39 0.89 (50) bp 0.44 (5) bp
NPAs/ Loans & REO 0.57 1.28 (71) bp 0.64 (7) bp
Nonaccrual & 90+ & OREO/ Assets 0.24 0.54 (30) bp 0.29 (5) bp
NPAs & 90+ PD/ Loans & REO 0.57 1.28 (71) bp 0.65 (8) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 4.49 10.31 (582) bp 5.06 (57) bp
NCOs/ Avg Loans 0.18 0.07 11 bp 0.20 (2) bp
Loan Loss Reserves/ Gross Loans 1.29 1.43 (14) bp 1.35 (6) bp
Loan Loss Provision/ NCO 133.93 227.27 (9,334) bp 80.97 5,296 bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA NA NA NA NA
Tier 1 Capital($000) NA NA NA NA NA
Tier 2 Capital($000) NA NA NA NA NA
Total Capital($000) NA NA NA NA NA
Total Risk-weighted Assets($000) NA NA NA NA NA
Tier 1 Common Capital (CET1) Ratio(%) NA NA NA NA NA
Tier 1 Ratio(%) NA NA NA NA NA
Total Capital Ratio(%) NA NA NA NA NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA NA NA NA NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 5,118,676 5,042,971 1.50 5,082,676 2.83
Avg Diluted Shares(actual) 5,222,000 5,180,000 0.81 5,208,000 1.08
Basic Book Value per Share 11.62 10.50 10.67 11.27 12.42
As-reported Book Value per Share 11.62 10.50 10.67 11.27 12.42
Basic Tangible Book Value per Share 11.61 10.48 10.78 11.26 12.43
Reported: Tangible Book Value 11.61 10.48 10.78 11.26 12.43
EPS after Extra 0.66 0.49 34.69 0.63 19.05
EPS after Extra Growth(%) 34.70 36.10 (142) bp 57.50 (2,281) bp
Core EPS 0.66 0.49 34.69 0.60 40
Core EPS Growth(%) 34.70 36.20 (144) bp 49.10 (1,437) bp
Diluted EPS before Amortization 0.66 0.49 34.69 0.63 19.05
Pre-Provision Earnings per Share 0.76 0.55 38.18 0.67 53.73

   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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