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Financial Highlights

Financial Highlights
2018 FQ3 YTD
9/30/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
Balance Sheet ($000)
Total Assets 487,873 449,016 395,029 314,721 272,622
Total Net Loans 427,336 401,773 336,589 286,888 239,602
Total Deposits 405,282 389,120 342,794 260,713 234,372
Equity Attributable to Parent Company 31,305 28,483 26,694 24,107 22,811
Total Equity 31,332 28,510 26,721 24,107 22,811
Profitability (%)
Net Income($000) 2,728 1,959 1,790 1,509 680
Net Income Attributable to Parent($000) 2,727 1,957 1,788 1,509 680
ROAA 0.77 0.47 0.51 0.51 0.28
Core ROAA NA 0.65 0.51 0.50 0.25
ROAE 12.20 7.04 8.31 6.44 3.02
ROATCE 12.70 7.82 9.34 9.35 4.21
Core ROAE NA 9.84 8.31 6.30 2.76
Net Interest Margin 3.27 3.18 3.30 3.72 3.84
Reported: Net Interest Margin 3.27 NA NA NA NA
Efficiency Ratio 69.89 68.55 77.98 77.48 83.91
Noninterest Inc/ Operating Rev 17.56 19.48 26.23 23.25 19.34
Balance Sheet Ratios (%)
Loans/ Deposits 106.13 103.02 97.77 110.32 101.51
Securities/ Assets NA 2.55 2.46 1.46 4.12
Total Equity/ Total Assets 6.42 6.35 6.76 7.66 8.37
Tangible Equity/ Tangible Assets 6.20 6.11 6.45 7.27 7.97
Tang Common Equity/ Tang Assets 6.20 6.10 6.44 5.08 5.45
Asset Quality (%)
NPAs/ Assets 0.76 0.92 0.86 0.95 1.47
NPA Excl Restructured/ Assets 0.62 0.75 0.68 0.79 1.16
NPAs & 90+ PD/ Assets 0.76 0.92 0.86 0.95 1.47
NPAs/ Loans & REO 0.86 1.01 1 1.03 1.65
Nonaccrual & 90+ & OREO/ Assets 0.62 0.75 0.68 0.79 1.16
NPAs & 90+ PD/ Loans & REO 0.86 1.01 1 1.03 1.65
NPA & Loans 90+/ Tangible Common Equity + LLR 10.69 13.02 11.72 15.50 22.85
NCOs/ Avg Loans 0 0.01 0.10 0.05 0.23
Loan Loss Reserves/ Gross Loans 1.08 1.05 1.05 1.16 1.14
Reserves/ NPAs 125.48 103.89 105.16 112.28 69.04
Loan Loss Provision/ NCO NM NM 167.85 568.80 134.74
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) 2,790,481 2,713,657 2,702,067 1,787,089 1,796,679
Avg Diluted Shares(actual) 2,822,784 2,786,718 1,868,886 1,845,697 1,847,330
Basic Book Value per Share 11.22 10.50 9.88 9.65 8.88
Book Value per Share, As Reported 11.24 10.55 9.89 9.62 8.89
Basic Tangible Book Value per Share 10.81 10.07 9.39 8.91 8.23
Tangible Book Value per Share, As Reported 10.83 10.13 9.40 8.91 8.24
EPS after Extra 0.97 0.70 0.88 0.78 0.33
EPS after Extra Growth(%) 36.60 (20.50) 12.80 136.40 (72.70)
Core EPS NA 0.98 0.88 0.76 0.30
Diluted EPS before Amortization 0.97 0.76 0.88 0.78 0.33
Pre-Provision Earnings per Share 1.13 1.14 1.09 1.02 0.56
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.
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