Financial Highlights

Financial Highlights
2018 FY
9/30/2018
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 1,033,951 1,046,012 821,272 655,690 542,264
Total Net Loans 902,136 834,331 574,160 391,307 386,074
Total Deposits 774,163 790,396 602,046 465,522 412,953
Equity Attributable to Parent Company 110,823 102,520 96,157 82,749 77,160
Total Equity 110,823 102,520 96,157 82,749 77,160
Profitability (%)
Net Income($000) 7,306 5,817 12,150 4,668 711
Net Income Attributable to Parent($000) 7,306 5,817 12,150 4,668 711
ROAA 0.69 0.62 1.61 0.75 0.12
Core ROAA 0.69 0.59 1.57 0.70 0.12
ROAE 6.88 5.84 14.07 5.84 0.94
ROATCE 6.88 5.84 14.07 5.84 0.94
Core ROAE 6.88 5.54 13.64 5.42 0.90
Net Interest Margin 2.66 2.72 2.65 2.62 2.71
Reported: Net Interest Margin NA 2.72 2.65 2.62 2.74
Efficiency Ratio 60.76 58.08 67.64 80.41 98.67
Noninterest Inc/ Operating Rev 7.27 7.16 8.71 11.72 11.80
Balance Sheet Ratios (%)
Loans/ Deposits 117.70 106.62 96.27 85.06 94.60
Securities/ Assets 6.09 5.26 13.68 29.03 19.26
Total Equity/ Total Assets 10.72 9.80 11.71 12.62 14.23
Tangible Equity/ Tangible Assets 10.72 9.80 11.71 12.62 14.23
Tang Common Equity/ Tang Assets 10.72 9.80 11.71 12.62 14.23
Asset Quality (%)
NPAs/ Assets 2.06 0.31 0.45 0.56 0.99
NPA Excl Restructured/ Assets 0.26 0.10 0.20 0.39 0.80
NPAs & 90+ PD/ Assets 2.10 0.33 0.53 0.56 0.99
NPAs/ Loans & REO 2.34 0.39 0.63 0.92 1.37
Nonaccrual & 90+ & OREO/ Assets 0.30 0.12 0.28 0.39 0.80
NPAs & 90+ PD/ Loans & REO 2.38 0.41 0.75 0.92 1.37
NPA & Loans 90+/ Tangible Common Equity + LLR 18.12 3.11 4.28 4.18 6.56
NCOs/ Avg Loans 0.04 (0.02) 0.04 0 0.19
Loan Loss Reserves/ Gross Loans 0.99 1 0.94 1.18 1.17
Reserves/ NPAs 42.30 256.56 148.63 127.58 85.55
Loan Loss Provision/ NCO 282.25 NM 526.11 NM 34.42
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 100,779 91,876 NA NA
Tier 1 Capital($000) NA 100,779 91,876 NA NA
Tier 2 Capital($000) NA 32,770 5,496 NA NA
Total Capital($000) NA 133,549 97,372 NA NA
Total Risk-weighted Assets($000) NA 820,676 597,762 NA NA
Tier 1 Common Capital (CET1) Ratio(%) NA 12.28 15.37 NA NA
Tier 1 Ratio(%) NA 12.28 15.37 NA NA
Total Capital Ratio(%) NA 16.27 16.29 NA NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA 10 11.64 NA NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 6,580,879 6,572,684 6,560,403 6,558,473 6,558,473
Avg Diluted Shares(actual) 6,459,510 6,432,137 6,409,325 6,393,330 6,378,930
Basic Book Value per Share 16.84 15.60 14.66 12.62 11.76
Book Value per Share, As Reported 16.84 15.60 14.66 12.62 11.76
Basic Tangible Book Value per Share 16.84 15.60 14.66 12.62 11.76
Tangible Book Value per Share, As Reported 16.84 15.60 14.66 12.62 11.76
Common Dividends Declared per Share 0 0 0 0 0
EPS after Extra 1.13 0.90 1.90 0.73 0.11
EPS after Extra Growth(%) 25.60 (52.60) 160.30 563.60 NM
Core EPS 1.13 0.85 1.84 0.68 0.11
Core EPS Growth(%) 32.40 (53.70) 171.90 540.30 NM
Diluted EPS before Amortization 1.13 0.90 1.90 0.73 0.11
Pre-Provision Earnings per Share 1.53 1.11 0.65 0.33 0.06
Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.

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