Financial Highlights

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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 941,687 913,307 3.11 922,441 8.35
Total Net Loans 713,918 683,608 4.43 699,276 8.38
Total Deposits 792,061 720,893 9.87 772,216 10.28
Equity Attributable to Parent Company 76,188 72,511 5.07 74,372 9.77
Total Equity 76,188 72,511 5.07 74,372 9.77
Profitability (%)
Net Income($000) 2,301 1,268 81.47 1,808 109.07
Net Income Attributable to Parent($000) 2,301 1,268 81.47 1,808 109.07
ROAA 0.99 0.58 41 bp 0.79 20 bp
Core ROAA 1 0.58 42 bp 0.81 19 bp
ROAE 12.28 7.35 493 bp 9.78 250 bp
ROATCE 12.28 7.35 493 bp 9.78 250 bp
Core ROAE 12.41 7.35 506 bp 10.07 234 bp
Net Interest Margin 3.15 3.13 2 bp 3.11 4 bp
Reported: Net Interest Margin 3.16 3.14 2 bp 3.15 1 bp
Efficiency Ratio 69.59 68.78 81 bp 71.13 (154) bp
Noninterest Inc/ Operating Rev 11.26 10.91 35 bp 10.41 85 bp
Balance Sheet Ratios (%)
Loans/ Deposits 91.11 95.95 (484) bp 91.65 (54) bp
Securities/ Assets 18.89 19 (11) bp 17.90 99 bp
Total Equity/ Total Assets 8.09 7.94 15 bp 8.06 3 bp
Tangible Equity/ Tangible Assets 8.09 7.94 15 bp 8.06 3 bp
Tang Common Equity/ Tang Assets 8.09 7.94 15 bp 8.06 3 bp
Asset Quality (%)
NPAs/ Assets 0.78 0.87 (9) bp 0.76 2 bp
NPA Excl Restructured/ Assets 0.14 0.09 5 bp 0.12 2 bp
NPAs & 90+ PD/ Assets 0.78 0.90 (12) bp 0.76 2 bp
NPAs/ Loans & REO 1.02 1.15 (13) bp 0.99 3 bp
Nonaccrual & 90+ & OREO/ Assets 0.14 0.13 1 bp 0.12 2 bp
NPAs & 90+ PD/ Loans & REO 1.02 1.19 (17) bp 0.99 3 bp
NPA & Loans 90+/ Tangible Common Equity + LLR 8.73 10.17 (144) bp 8.50 23 bp
NCOs/ Avg Loans (0.39) (0.03) (36) bp (0.01) (38) bp
Loan Loss Reserves/ Gross Loans 1.16 1.24 (8) bp 1.19 (3) bp
Reserves/ NPAs 113.14 107.87 527 bp 120.03 (689) bp
Loan Loss Provision/ NCO NM NM NM NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA NA NA NA NA
Tier 1 Capital($000) NA 80,324 NA NA NA
Tier 2 Capital($000) NA NA NA NA NA
Total Capital($000) NA 104,955 NA NA NA
Total Risk-weighted Assets($000) NA 730,884 NA NA NA
Tier 1 Common Capital (CET1) Ratio(%) NA NA NA NA NA
Tier 1 Ratio(%) 11.10 10.99 11 bp 11.12 (2) bp
Total Capital Ratio(%) 14.28 14.36 (8) bp 14.40 (12) bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.15 9.15 0 bp 9.04 11 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 8,676,843 8,644,566 0.37 8,674,890 0.09
Avg Diluted Shares(actual) 8,675,868 8,174,484 6.13 8,658,506 0.80
Basic Book Value per Share 8.78 8.39 4.65 8.57 9.80
As-reported Book Value per Share 8.78 8.39 4.65 8.57 9.80
Basic Tangible Book Value per Share 8.78 8.39 4.65 8.57 9.80
Reported: Tangible Book Value 8.78 8.39 4.65 8.57 9.80
Common Dividends Declared per Share 0.03 0.03 0 0.03 0
EPS after Extra 0.27 0.16 68.75 0.21 114.29
EPS after Extra Growth(%) 68.80 (27.30) 9,602 bp 31.30 3,750 bp
Core EPS 0.27 0.16 68.75 0.22 90.91
Core EPS Growth(%) 70.50 (26.10) 9,664 bp 35.20 3,534 bp
Diluted EPS before Amortization 0.27 0.16 68.75 0.21 114.29
Pre-Provision Earnings per Share 0.22 0.19 15.79 0.20 40

   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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