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 986,969 944,766 4.47 936,454 21.58
Total Net Loans NA 492,575 NA 495,345 NA
Total Deposits 776,089 748,566 3.68 734,765 22.50
Equity Attributable to Parent Company 89,496 87,148 2.69 85,035 20.98
Total Equity 89,496 87,148 2.69 85,035 20.98
Profitability (%)
Net Income($000) 804 1,489 (46) 1,907 (231.36)
Net Income Attributable to Parent($000) 804 1,489 (46) 1,907 (231.36)
ROAA 0.33 0.64 (31) bp 0.83 (50) bp
Core ROAA NA 0.66 NA 0.85 NA
ROAE 3.69 6.86 (317) bp 8.83 (514) bp
ROATCE NA 7.29 NA 9.37 NA
Core ROAE NA 7.05 NA 8.99 NA
Net Interest Margin 2.89 3.10 (21) bp 2.99 (10) bp
Reported: Net Interest Margin 2.89 2.98 (9) bp 2.97 (8) bp
Efficiency Ratio 61.18 75.12 (1,394) bp 57.93 325 bp
Noninterest Inc/ Operating Rev 38.55 39.66 (111) bp 40.72 (217) bp
Balance Sheet Ratios (%)
Loans/ Deposits 63.47 67.03 (356) bp 68.92 (545) bp
Securities/ Assets NA 38.38 NA 38.51 NA
Total Equity/ Total Assets 9.07 9.22 (15) bp 9.08 (1) bp
Tangible Equity/ Tangible Assets NA 8.87 NA 8.74 NA
Tang Common Equity/ Tang Assets NA 8.87 NA 8.74 NA
Asset Quality (%)
NPAs/ Assets NA 1.04 NA 1.62 NA
NPA Excl Restructured/ Assets NA 0.98 NA 0.93 NA
NPAs & 90+ PD/ Assets NA 1.05 NA 1.63 NA
NPAs/ Loans & REO NA 1.95 NA 3 NA
Nonaccrual & 90+ & OREO/ Assets NA 1 NA 0.94 NA
NPAs & 90+ PD/ Loans & REO NA 1.97 NA 3.01 NA
NPA & Loans 90+/ Tangible Common Equity + LLR NA 10.70 NA 16.47 NA
NCOs/ Avg Loans NA 0.14 NA 0.29 NA
Loan Loss Reserves/ Gross Loans NA 1.85 NA 2.22 NA
Reserves/ NPAs NA 94.60 NA 73.85 NA
Loan Loss Provision/ NCO NA 223.46 NA 602.49 NA
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 80,768 NA 85,641 NA
Tier 1 Capital($000) NA 90,768 NA 95,641 NA
Tier 2 Capital($000) NA 7,829 NA 7,771 NA
Total Capital($000) NA 98,597 NA 103,412 NA
Total Risk-weighted Assets($000) NA 625,255 NA 618,220 NA
Tier 1 Common Capital (CET1) Ratio(%) NA 12.92 NA 13.85 NA
Tier 1 Ratio(%) NA 14.52 NA 15.47 NA
Total Capital Ratio(%) NA 15.77 NA 16.73 NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA 9.85 NA 10.45 NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 3,087,488 3,085,986 0.05 3,087,488 0
Avg Diluted Shares(actual) 3,087,488 3,085,986 0.05 3,087,488 0
Basic Book Value per Share 28.99 28.24 2.66 27.54 21.06
Book Value per Share, As Reported 28.99 27.30 6.19 28.87 1.66
Basic Tangible Book Value per Share NA 27.06 NA 26.41 NA
Tangible Book Value per Share, As Reported NA NA NA NA NA
Common Dividends Declared per Share 0.15 0.14 7.14 0.15 0
EPS after Extra 0.26 0.48 (45.83) 0.62 (232.26)
EPS after Extra Growth(%) (45.80) (35.10) (1,069) bp (6.10) (3,977) bp
Core EPS NA 0.49 NA 0.63 NA
Core EPS Growth(%) NA (34.20) NA (5.60) NA
Diluted EPS before Amortization NA 0.49 NA 0.63 NA
Pre-Provision Earnings per Share 1.12 0.53 111.32 1.16 (13.79)

   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.


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.