Online Banking

Financial Highlights

Financial Highlights
2017 FQ3
9/30/2017
2017 FQ4
12/31/2017
2018 FQ1
3/31/2018
2018 FQ2
6/30/2018
2018 FQ3
9/30/2018
Balance Sheet ($000)
Total Assets 1,065,683 1,081,915 1,100,030 1,133,609 1,128,115
Total Net Loans 814,509 840,705 858,846 879,408 901,734
Total Deposits 871,328 861,203 891,786 934,115 939,881
Equity Attributable to Parent Company 101,884 101,942 103,670 105,333 108,059
Total Equity 101,884 101,942 103,670 105,333 108,059
Profitability (%)
Net Income($000) 2,411 808 2,613 2,049 3,020
Net Income Attributable to Parent($000) 2,411 808 2,613 2,049 3,020
ROAA 0.90 0.30 0.96 0.74 1.08
Core ROAA 0.91 0.96 0.97 0.89 1.08
ROAE 9.50 3.12 10.11 7.77 11.26
ROATCE 11.35 3.77 12.04 9.24 13.30
Core ROAE 9.57 9.95 10.18 9.38 11.31
Net Interest Margin 3.78 3.81 3.48 3.43 3.40
Reported: Net Interest Margin 3.72 3.74 3.51 3.44 3.39
Efficiency Ratio 63.53 64.65 64.56 65.50 63.61
Noninterest Inc/ Operating Rev 11.79 11.64 12.36 12.81 12.96
Balance Sheet Ratios (%)
Loans/ Deposits 94.08 98.22 96.92 94.78 96.64
Securities/ Assets 17.06 16.83 16.25 15.24 14.81
Total Equity/ Total Assets 9.56 9.42 9.42 9.29 9.58
Tangible Equity/ Tangible Assets 8.18 8.07 8.09 8 8.29
Tang Common Equity/ Tang Assets 8.18 8.07 8.09 8 8.29
Asset Quality (%)
NPAs/ Assets 1.23 1.26 1.32 1.20 1.18
NPA Excl Restructured/ Assets 1.13 1.16 1.22 1.04 1.02
NPAs & 90+ PD/ Assets 1.23 1.27 1.32 1.20 1.18
NPAs/ Loans & REO 1.60 1.60 1.67 1.53 1.46
Nonaccrual & 90+ & OREO/ Assets 1.13 1.16 1.22 1.05 1.02
NPAs & 90+ PD/ Loans & REO 1.60 1.61 1.67 1.53 1.46
NPA & Loans 90+/ Tangible Common Equity + LLR 14.38 14.91 15.47 14.28 13.50
NCOs/ Avg Loans 0.02 0.06 0.03 0.15 (0.12)
Loan Loss Reserves/ Gross Loans 0.68 0.69 0.71 0.70 0.72
Reserves/ NPAs 42.51 42.84 42.32 45.40 49.21
Loan Loss Provision/ NCO NM 297.62 513.70 112.95 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 88,001 88,459 91,396 93,268 96,147
Tier 1 Capital($000) 97,001 97,459 100,396 102,268 105,147
Tier 2 Capital($000) 15,653 15,941 16,285 16,346 16,695
Total Capital($000) 112,654 113,400 116,681 118,614 121,842
Total Risk-weighted Assets($000) 816,686 826,056 860,180 872,833 881,274
Tier 1 Common Capital (CET1) Ratio(%) 10.78 10.71 10.63 10.69 10.91
Tier 1 Ratio(%) 11.88 11.80 11.67 11.72 11.93
Total Capital Ratio(%) 13.79 13.73 13.56 13.59 13.83
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.22 9.19 9.33 9.35 9.48
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 4,262,721 4,286,117 4,292,689 4,301,898 4,311,860
Avg Diluted Shares(actual) 4,296,371 4,297,000 4,308,847 4,314,418 4,317,553
Basic Book Value per Share 23.90 23.78 24.15 24.49 25.06
Book Value per Share, As Reported 23.90 23.78 24.15 24.49 25.06
Basic Tangible Book Value per Share 20.15 20.06 20.44 20.79 21.38
Tangible Book Value per Share, As Reported 20.15 20.06 20.44 20.79 21.38
Common Dividends Declared per Share 0.07 0.07 0.07 0.07 0.07
EPS after Extra 0.56 0.19 0.61 0.47 0.70
EPS after Extra Growth(%) NM (65.50) 7 (11.30) 25
Core EPS 0.56 0.61 0.61 0.57 0.70
Core EPS Growth(%) NM 1.30 8 6.20 24.70
Diluted EPS before Amortization 0.57 0.20 0.62 0.48 0.71
Pre-Provision Earnings per Share 0.57 0.57 0.66 0.61 0.69
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.