Financial Highlights

Financial Highlights
2018 FQ3
9/30/2018
2017 FQ3
9/30/2017
Y-Y Ch (%)
2018 FQ2
6/30/2018
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 770,748 731,048 5.43 764,718 3.15
Total Net Loans 535,998 474,717 12.91 511,977 18.77
Total Deposits 682,842 649,850 5.08 679,066 2.22
Equity Attributable to Parent Company 62,366 55,556 12.26 59,497 19.29
Total Equity 62,366 55,556 12.26 59,497 19.29
Profitability (%)
Net Income($000) 3,696 2,448 50.98 3,445 29.14
Net Income Attributable to Parent($000) 3,696 2,448 50.98 3,445 29.14
ROAA 1.93 1.38 55 bp 1.87 6 bp
Core ROAA NA 1.38 NA 1.87 NA
ROAE 24.26 17.83 643 bp 23.61 65 bp
ROATCE 24.30 17.86 644 bp 23.66 64 bp
Core ROAE NA 17.84 NA 23.63 NA
Net Interest Margin 4.78 4.34 44 bp 4.73 5 bp
Reported: Net Interest Margin 4.78 4.31 47 bp 4.75 3 bp
Efficiency Ratio 50.09 53.68 (359) bp 51 (91) bp
Noninterest Inc/ Operating Rev 21.08 23.40 (232) bp 21.73 (65) bp
Balance Sheet Ratios (%)
Loans/ Deposits 79.08 73.82 526 bp 75.86 322 bp
Securities/ Assets NA 16.31 NA 21.03 NA
Total Equity/ Total Assets 8.09 7.60 49 bp 7.78 31 bp
Tangible Equity/ Tangible Assets 8.08 7.59 49 bp 7.77 31 bp
Tang Common Equity/ Tang Assets 8.08 7.59 49 bp 7.77 31 bp
Asset Quality (%)
NPAs/ Assets NA 0.90 NA 0.39 NA
NPA Excl Restructured/ Assets NA 0.64 NA 0.24 NA
NPAs & 90+ PD/ Assets NA 0.90 NA 0.39 NA
NPAs/ Loans & REO NA 1.36 NA 0.57 NA
Nonaccrual & 90+ & OREO/ Assets NA 0.64 NA 0.24 NA
NPAs & 90+ PD/ Loans & REO NA 1.36 NA 0.57 NA
NPA & Loans 90+/ Tangible Common Equity + LLR NA 10.55 NA 4.49 NA
NCOs/ Avg Loans 0.11 0.20 (9) bp 0.18 (7) bp
Loan Loss Reserves/ Gross Loans 1.26 1.42 (16) bp 1.29 (3) bp
Loan Loss Provision/ NCO 197.37 85.84 11,153 bp 133.93 6,344 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) 5,125,000 5,053,172 1.42 5,118,676 0.49
Avg Diluted Shares(actual) 5,225,000 5,192,000 0.64 5,222,000 0.23
Basic Book Value per Share 12.17 10.99 10.74 11.62 18.93
As-reported Book Value per Share 12.17 10.99 10.74 11.62 18.93
Basic Tangible Book Value per Share 12.15 10.98 10.66 11.61 18.60
Reported: Tangible Book Value 12.15 10.98 10.66 11.61 18.60
EPS after Extra 0.71 0.47 51.06 0.66 30.30
EPS after Extra Growth(%) 51.10 20.50 3,055 bp 34.70 1,637 bp
Core EPS NA 0.47 NA 0.66 NA
Core EPS Growth(%) NA 20.60 NA 34.70 NA
Diluted EPS before Amortization 0.71 0.47 51.06 0.66 30.30
Pre-Provision Earnings per Share 0.82 0.52 57.69 0.76 31.58

   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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