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Financial Highlights

Financial Highlights
2017 FQ2
6/30/2017
2017 FQ3
9/30/2017
2017 FQ4
12/31/2017
2018 FQ1
3/31/2018
2018 FQ2
6/30/2018
Balance Sheet ($000)
Total Assets 1,081,460 1,065,683 1,081,915 1,100,030 1,133,609
Total Net Loans 811,258 814,509 840,705 858,846 879,408
Total Deposits 893,059 871,328 861,203 891,786 934,115
Equity Attributable to Parent Company 99,405 101,884 101,942 103,670 105,333
Total Equity 99,405 101,884 101,942 103,670 105,333
Profitability (%)
Net Income($000) 2,286 2,411 808 2,613 2,049
Net Income Attributable to Parent($000) 2,286 2,411 808 2,613 2,049
ROAA 0.84 0.90 0.30 0.96 0.74
Core ROAA 0.84 0.91 0.96 0.97 0.89
ROAE 9.20 9.50 3.12 10.11 7.77
ROATCE 11.05 11.35 3.77 12.04 9.24
Core ROAE 9.27 9.57 9.95 10.18 9.38
Net Interest Margin 3.61 3.79 3.81 3.48 3.42
Reported: Net Interest Margin 3.59 3.72 3.74 3.51 3.44
Efficiency Ratio 63.74 63.49 64.66 64.56 65.50
Noninterest Inc/ Operating Rev 13.09 11.79 11.64 12.36 12.81
Balance Sheet Ratios (%)
Loans/ Deposits 91.43 94.08 98.22 96.92 94.78
Securities/ Assets 17.01 17.06 16.83 16.25 15.24
Total Equity/ Total Assets 9.19 9.56 9.42 9.42 9.29
Tangible Equity/ Tangible Assets 7.83 8.18 8.07 8.09 8
Tang Common Equity/ Tang Assets 7.83 8.18 8.07 8.09 8
Asset Quality (%)
NPAs/ Assets 1.14 1.23 1.26 1.32 1.20
NPA Excl Restructured/ Assets 1.13 1.13 1.16 1.22 1.04
NPAs & 90+ PD/ Assets 1.14 1.23 1.27 1.32 1.20
NPAs/ Loans & REO 1.50 1.60 1.60 1.67 1.53
Nonaccrual & 90+ & OREO/ Assets 1.13 1.13 1.16 1.22 1.05
NPAs & 90+ PD/ Loans & REO 1.50 1.60 1.61 1.67 1.53
NPA & Loans 90+/ Tangible Common Equity + LLR 13.89 14.38 14.91 15.47 14.28
NCOs/ Avg Loans 0.36 0.02 0.06 0.03 0.15
Loan Loss Reserves/ Gross Loans 0.65 0.68 0.69 0.71 0.70
Reserves/ NPAs 42.77 42.51 42.84 42.32 45.40
Loan Loss Provision/ NCO 79.48 NM 297.62 513.70 112.95
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 85,610 88,001 88,459 91,396 93,268
Tier 1 Capital($000) 94,610 97,001 97,459 100,396 102,268
Tier 2 Capital($000) 15,357 15,653 15,941 16,285 16,346
Total Capital($000) 109,967 112,654 113,400 116,681 118,614
Total Risk-weighted Assets($000) 836,037 816,686 826,056 860,180 872,833
Tier 1 Common Capital (CET1) Ratio(%) 10.24 10.78 10.71 10.63 10.69
Tier 1 Ratio(%) 11.32 11.88 11.80 11.67 11.72
Total Capital Ratio(%) 13.15 13.79 13.73 13.56 13.59
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.80 9.22 9.19 9.33 9.35
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 4,258,073 4,262,721 4,286,117 4,292,689 4,301,898
Avg Diluted Shares(actual) 4,292,411 4,296,371 4,297,000 4,308,847 4,314,418
Basic Book Value per Share 23.35 23.90 23.78 24.15 24.49
As-reported Book Value per Share 23.35 23.90 23.78 24.15 24.49
Basic Tangible Book Value per Share 19.59 20.15 20.06 20.44 20.79
Reported: Tangible Book Value 19.59 20.15 20.06 20.44 20.79
Common Dividends Declared per Share 0.07 0.07 0.07 0.07 0.07
EPS after Extra 0.53 0.56 0.19 0.61 0.47
EPS after Extra Growth(%) 35.90 NM (65.50) 7 (11.30)
Core EPS 0.53 0.56 0.61 0.61 0.57
Core EPS Growth(%) 31.10 NM 1.30 8 6.20
Diluted EPS before Amortization 0.54 0.57 0.20 0.62 0.48
Pre-Provision Earnings per Share 0.55 0.57 0.57 0.66 0.61
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.