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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 532,120 514,250 3.47 488,399 35.81
Total Net Loans 390,318 403,105 (3.17) 396,703 (6.44)
Total Deposits 483,179 467,628 3.33 439,416 39.84
Equity Attributable to Parent Company 33,647 31,876 5.56 32,974 8.16
Total Equity 33,647 31,876 5.56 32,974 8.16
Profitability (%)
Net Income($000) 1,043 602 73.26 1,013 11.85
Net Income Attributable to Parent($000) 1,043 602 73.26 1,013 11.85
ROAA 0.82 0.45 37 bp 0.81 1 bp
Core ROAA 0.82 0.45 37 bp 0.81 1 bp
ROAE 12.52 7.49 503 bp 12.43 9 bp
ROATCE 12.52 7.49 503 bp 12.43 9 bp
Core ROAE 12.55 7.50 505 bp 12.44 11 bp
Net Interest Margin 3.17 3.04 13 bp 3.38 (21) bp
Reported: Net Interest Margin 3.17 3.04 13 bp 3.38 (21) bp
Efficiency Ratio 71.19 76 (481) bp 72.56 (137) bp
Noninterest Inc/ Operating Rev 21.28 19.40 188 bp 16.29 499 bp
Balance Sheet Ratios (%)
Loans/ Deposits 81.49 86.16 (467) bp 90.08 (859) bp
Securities/ Assets 8.20 10.79 (259) bp 9.59 (139) bp
Total Equity/ Total Assets 6.32 6.20 12 bp 6.75 (43) bp
Tangible Equity/ Tangible Assets 6.32 6.20 12 bp 6.75 (43) bp
Tang Common Equity/ Tang Assets 6.32 6.20 12 bp 6.75 (43) bp
Asset Quality (%)
NPAs/ Assets NA NA NA NA NA
NPA Excl Restructured/ Assets 0.41 0.31 10 bp 0.18 23 bp
NPAs & 90+ PD/ Assets NA NA NA NA NA
NPAs/ Loans & REO NA NA NA NA NA
Nonaccrual & 90+ & OREO/ Assets NA 0.31 NA NA NA
NPAs & 90+ PD/ Loans & REO NA NA NA NA NA
NPA & Loans 90+/ Tangible Common Equity + LLR NA NA NA NA NA
NCOs/ Avg Loans 0 0.08 (8) bp (0.04) 4 bp
Loan Loss Reserves/ Gross Loans 1.09 1 9 bp 1.04 5 bp
Reserves/ NPAs NA NA NA NA NA
Loan Loss Provision/ NCO NM 286.59 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) 1,381,426 1,373,118 0.61 1,381,426 0
Avg Diluted Shares(actual) 1,376,971 1,362,532 1.06 1,372,127 1.41
Basic Book Value per Share 24.36 23.21 4.95 23.87 8.21
Book Value per Share, As Reported 24.33 23.21 4.83 23.87 7.71
Basic Tangible Book Value per Share 24.36 23.21 4.95 23.87 8.21
Common Dividends Declared per Share 0.15 0.15 0 0.15 0
EPS after Extra 0.76 0.44 72.73 0.74 10.81
EPS after Extra Growth(%) 72.70 37.50 3,523 bp 76.20 (346) bp
Core EPS 0.76 0.44 72.73 0.74 10.81
Core EPS Growth(%) 72.80 42.70 3,008 bp 76.10 (328) bp
Diluted EPS before Amortization 0.76 0.44 72.73 0.74 10.81
Pre-Provision Earnings per Share 0.85 0.51 66.67 0.75 53.33

   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.

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