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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 651,529 646,265 0.81 682,120 (17.94)
Total Net Loans 505,967 463,309 9.21 498,091 6.32
Total Deposits 565,835 571,902 (1.06) 577,241 (7.90)
Equity Attributable to Parent Company 57,698 56,259 2.56 56,666 7.28
Total Equity 57,698 56,259 2.56 56,666 7.28
Profitability (%)
Net Income($000) 1,659 990 67.58 1,586 18.41
Net Income Attributable to Parent($000) 1,659 990 67.58 1,586 18.41
ROAA 1.02 0.63 39 bp 0.95 7 bp
Core ROAA 0.87 0.63 24 bp 0.70 17 bp
ROAE 11.63 7.08 455 bp 11.28 35 bp
ROATCE 11.63 7.08 455 bp 11.28 35 bp
Core ROAE 9.96 7.08 288 bp 8.27 169 bp
Net Interest Margin 3.87 3.59 28 bp 3.69 18 bp
Reported: Net Interest Margin 3.88 3.60 28 bp 3.74 14 bp
Efficiency Ratio 77.42 77.23 19 bp 77.51 (9) bp
Noninterest Inc/ Operating Rev 18.41 21.12 (271) bp 18.85 (44) bp
Balance Sheet Ratios (%)
Loans/ Deposits 90.24 81.76 848 bp 87.15 309 bp
Securities/ Assets 11.46 10.14 132 bp 10.63 83 bp
Total Equity/ Total Assets 8.86 8.71 15 bp 8.31 55 bp
Tangible Equity/ Tangible Assets 8.86 8.71 15 bp 8.31 55 bp
Tang Common Equity/ Tang Assets 8.86 8.71 15 bp 8.31 55 bp
Asset Quality (%)
NPAs/ Assets 1.14 1.27 (13) bp 1.29 (15) bp
NPA Excl Restructured/ Assets 0.62 0.57 5 bp 0.74 (12) bp
NPAs & 90+ PD/ Assets 1.22 1.28 (6) bp 1.40 (18) bp
NPAs/ Loans & REO 1.46 1.75 (29) bp 1.74 (28) bp
Nonaccrual & 90+ & OREO/ Assets 0.69 0.59 10 bp 0.85 (16) bp
NPAs & 90+ PD/ Loans & REO 1.55 1.77 (22) bp 1.89 (34) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 12.68 13.69 (101) bp 15.40 (272) bp
NCOs/ Avg Loans 0.34 0.38 (4) bp 0 34 bp
Loan Loss Reserves/ Gross Loans 0.97 0.92 5 bp 1.07 (10) bp
Reserves/ NPAs 66.74 52.28 1,446 bp 61.45 529 bp
Loan Loss Provision/ NCO 2.76 54.27 (5,151) bp NM NM
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) 3,773,836 3,769,201 0.12 3,773,603 0.02
Avg Diluted Shares(actual) 3,784,572 3,778,532 0.16 3,777,114 0.79
Basic Book Value per Share 15.29 14.93 2.41 15.02 7.19
As-reported Book Value per Share 15.29 14.93 2.41 15.01 7.46
Basic Tangible Book Value per Share 15.29 14.93 2.41 15.02 7.19
Reported: Tangible Book Value 15.29 14.93 2.41 15.01 7.46
Common Dividends Declared per Share 0.12 0.12 0 0.12 0
EPS after Extra 0.44 0.26 69.23 0.42 19.05
EPS after Extra Growth(%) 69.20 (38.10) 10,733 bp 110 (4,077) bp
Core EPS 0.38 0.26 46.15 0.31 90.32
Core EPS Growth(%) 44.90 (38.10) 8,295 bp 54 (914) bp
Diluted EPS before Amortization 0.44 0.26 69.23 0.42 19.05
Pre-Provision Earnings per Share 0.34 0.25 36 0.33 12.12

   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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