Financial Highlights

Financial Highlights
2019 FQ3 YTD
6/30/2019
2018 FY
9/30/2018
2017 FY
9/30/2017
2016 FY
9/30/2016
2015 FY
9/30/2015
Balance Sheet ($000)
Total Assets 1,265,878 1,033,951 1,046,012 821,272 655,690
Total Net Loans 1,010,326 902,136 834,331 574,160 391,307
Total Deposits 957,199 774,163 790,396 602,046 465,522
Equity Attributable to Parent Company 139,668 110,823 102,520 96,157 82,749
Total Equity 139,668 110,823 102,520 96,157 82,749
Profitability (%)
Net Income($000) 6,633 7,306 5,817 12,150 4,668
Net Income Attributable to Parent($000) 6,633 7,306 5,817 12,150 4,668
ROAA 0.78 0.69 0.62 1.61 0.75
Core ROAA 0.78 0.80 0.59 1.57 0.70
ROAE 6.48 6.88 5.84 14.07 5.84
ROATCE 6.48 6.88 5.84 14.07 5.84
Core ROAE 6.53 7.91 5.54 13.64 5.42
Net Interest Margin 2.62 2.66 2.72 2.65 2.62
Reported: Net Interest Margin 2.62 2.66 2.72 2.65 2.62
Efficiency Ratio 54.26 60.76 58.08 67.64 80.41
Noninterest Inc/ Operating Rev 8.51 7.27 7.16 8.71 11.72
Balance Sheet Ratios (%)
Loans/ Deposits 106.57 117.70 106.62 96.27 85.06
Securities/ Assets 4.52 6.09 5.26 13.68 29.03
Total Equity/ Total Assets 11.03 10.72 9.80 11.71 12.62
Tangible Equity/ Tangible Assets 11.03 10.72 9.80 11.71 12.62
Tang Common Equity/ Tang Assets 11.03 10.72 9.80 11.71 12.62
Asset Quality (%)
NPAs/ Assets 1.56 2.06 0.31 0.45 0.56
NPA Excl Restructured/ Assets 0.63 0.26 0.10 0.20 0.39
NPAs & 90+ PD/ Assets 1.58 2.10 0.33 0.53 0.56
NPAs/ Loans & REO 1.93 2.34 0.39 0.63 0.92
Nonaccrual & 90+ & OREO/ Assets 0.65 0.30 0.12 0.28 0.39
NPAs & 90+ PD/ Loans & REO 1.95 2.38 0.41 0.75 0.92
NPA & Loans 90+/ Tangible Common Equity + LLR 13.38 18.11 3.11 4.28 4.18
NCOs/ Avg Loans 0.18 0.04 (0.02) 0.04 0
Loan Loss Reserves/ Gross Loans 0.99 0.99 1 0.94 1.18
Reserves/ NPAs 51.02 42.30 256.56 148.63 127.58
Loan Loss Provision/ NCO 183.85 282.25 NM 526.11 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 139,668 110,239 100,779 91,876 NA
Tier 1 Capital($000) 139,668 110,239 100,779 91,876 NA
Tier 2 Capital($000) 34,756 33,548 32,770 5,496 NA
Total Capital($000) 174,424 143,787 133,549 97,372 NA
Total Risk-weighted Assets($000) 1,001,923 873,526 820,676 597,762 NA
Tier 1 Common Capital (CET1) Ratio(%) 13.94 12.62 12.28 15.37 NA
Tier 1 Ratio(%) 13.94 12.62 12.28 15.37 NA
Total Capital Ratio(%) 17.41 16.45 16.27 16.29 NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.51 10.63 10 11.64 NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 7,765,395 6,580,879 6,572,684 6,560,403 6,558,473
Avg Diluted Shares(actual) 7,630,944 6,459,510 6,432,137 6,409,325 6,393,330
Basic Book Value per Share 17.99 16.84 15.60 14.66 12.62
Book Value per Share, As Reported 17.98 16.84 15.60 14.66 12.62
Basic Tangible Book Value per Share 17.99 16.84 15.60 14.66 12.62
Tangible Book Value per Share, As Reported 17.98 16.84 15.60 14.66 12.62
Common Dividends Declared per Share 0 0 0 0 0
EPS after Extra 0.87 1.13 0.90 1.90 0.73
EPS after Extra Growth(%) 20.80 25.60 (52.60) 160.30 563.60
Core EPS 0.88 1.30 0.85 1.84 0.68
Core EPS Growth(%) (1.40) 52.20 (53.70) 171.90 540.30
Diluted EPS before Amortization 0.87 1.13 0.90 1.90 0.73
Pre-Provision Earnings per Share 1.11 1.39 1.11 0.65 0.33
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