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Financial Highlights

Financial Highlights
2018 FQ1
3/31/2018
2017 FQ1
3/31/2017
Y-Y Ch (%)
2017 FQ4
12/31/2017
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 682,120 630,032 8.27 644,613 23.27
Total Net Loans 498,091 451,166 10.40 497,705 0.31
Total Deposits 577,241 551,103 4.74 570,023 5.07
Equity Attributable to Parent Company 56,666 55,267 2.53 56,142 3.73
Total Equity 56,666 55,267 2.53 56,142 3.73
Profitability (%)
Net Income($000) 1,586 768 106.51 (543) NM
Net Income Attributable to Parent($000) 1,586 768 106.51 (543) NM
ROAA 0.95 0.50 45 bp (0.34) 129 bp
Core ROAA 0.70 0.50 20 bp 0.71 (1) bp
ROAE 11.28 5.60 568 bp (3.75) 1,503 bp
ROATCE 11.28 5.60 568 bp (3.75) 1,503 bp
Core ROAE 8.27 5.60 267 bp 7.91 36 bp
Net Interest Margin 3.69 3.48 21 bp 3.78 (9) bp
Reported: Net Interest Margin 3.74 3.52 22 bp 3.75 (1) bp
Efficiency Ratio 77.51 84.57 (706) bp 74.74 277 bp
Noninterest Inc/ Operating Rev 18.85 22.20 (335) bp 19.67 (82) bp
Balance Sheet Ratios (%)
Loans/ Deposits 87.15 82.68 447 bp 88.21 (106) bp
Securities/ Assets 10.63 9.24 139 bp 11.43 (80) bp
Total Equity/ Total Assets 8.31 8.77 (46) bp 8.71 (40) bp
Tangible Equity/ Tangible Assets 8.31 8.77 (46) bp 8.71 (40) bp
Tang Common Equity/ Tang Assets 8.31 8.77 (46) bp 8.71 (40) bp
Asset Quality (%)
NPAs/ Assets 1.29 1.45 (16) bp 1.35 (6) bp
NPA Excl Restructured/ Assets 0.74 0.72 2 bp 0.70 4 bp
NPAs & 90+ PD/ Assets 1.40 1.45 (5) bp 1.36 4 bp
NPAs/ Loans & REO 1.74 1.99 (25) bp 1.73 1 bp
Nonaccrual & 90+ & OREO/ Assets 0.85 0.72 13 bp 0.71 14 bp
NPAs & 90+ PD/ Loans & REO 1.89 1.99 (10) bp 1.74 15 bp
NPA & Loans 90+/ Tangible Common Equity + LLR 15.40 15.24 16 bp 14.32 108 bp
NCOs/ Avg Loans 0 0.09 (9) bp (0.44) 44 bp
Loan Loss Reserves/ Gross Loans 1.07 0.98 9 bp 1.01 6 bp
Reserves/ NPAs 61.45 49.18 1,227 bp 58.43 302 bp
Loan Loss Provision/ NCO NM 51.02 NM 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) 3,773,603 3,769,201 0.12 3,762,677 1.16
Avg Diluted Shares(actual) 3,777,114 3,768,676 0.22 3,772,700 0.47
Basic Book Value per Share 15.02 14.66 2.46 14.92 2.68
As-reported Book Value per Share 15.01 14.66 2.39 14.92 2.41
Basic Tangible Book Value per Share 15.02 14.66 2.46 14.92 2.68
Reported: Tangible Book Value 15.01 14.66 2.39 14.92 2.41
Common Dividends Declared per Share 0.12 0.12 0 0.12 0
EPS after Extra 0.42 0.20 110 (0.14) NM
EPS after Extra Growth(%) 110 25 8,500 bp NM NM
Core EPS 0.31 0.20 55 0.29 27.59
Core EPS Growth(%) 54 25 2,899 bp 34.10 1,992 bp
Diluted EPS before Amortization 0.42 0.20 110 (0.14) NM
Pre-Provision Earnings per Share 0.33 0.16 106.25 0.29 55.17

   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.