Financial Highlights Report

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 525,279 459,332 438,018 405,124 401,812
Total Net Loans 391,178 366,467 354,380 327,226 313,354
Total Deposits 434,331 385,966 338,803 323,622 322,681
Equity Attributable to Parent Company 45,112 43,895 42,641 41,496 40,390
Total Equity 45,112 43,895 42,641 41,496 40,390
Profitability (%)
Net Income($000) 3,691 3,546 3,580 3,224 2,651
Net Income Attributable to Parent($000) 3,691 3,546 3,580 3,224 2,651
ROAA 1 0.79 0.85 0.79 0.66
Core ROAA 1.05 0.84 0.85 0.79 0.67
ROAE 10.91 7.98 8.40 8.41 6.67
ROATCE 10.68 7.91 8.32 8.35 6.75
Core ROAE 11.43 8.46 8.39 8.42 6.76
Net Interest Margin 3.80 3.85 3.83 3.64 3.75
Reported: Net Interest Margin 3.90 3.85 3.83 3.64 3.75
Efficiency Ratio 69.41 70.48 69.96 70.01 73.15
Noninterest Inc/ Operating Rev 16.87 17.85 18.94 21.33 20.61
Balance Sheet Ratios (%)
Loans/ Deposits 90.53 95.50 105.29 101.87 97.85
Securities/ Assets 17.25 10.69 10.03 9.59 5.97
Total Equity/ Total Assets 8.59 9.56 9.73 10.24 10.05
Tangible Equity/ Tangible Assets 8.59 9.56 9.73 10.24 10.04
Tang Common Equity/ Tang Assets 8.59 9.56 9.73 10.24 10.04
Asset Quality (%)
NPAs/ Assets 0.32 0.42 NA NA 0.52
NPA Excl Restructured/ Assets 0.32 0.39 0.39 0.35 0.52
NPAs & 90+ PD/ Assets 0.33 0.42 NA NA 0.55
NPAs/ Loans & REO 0.43 0.52 NA NA 0.66
Nonaccrual & 90+ & OREO/ Assets 0.33 0.39 0.44 0.38 0.55
NPAs & 90+ PD/ Loans & REO 0.44 0.52 NA NA 0.70
NPA & Loans 90+/ Tangible Common Equity + LLR 3.70 4.18 NA NA 5.21
NCOs/ Avg Loans 0.11 0.09 0.12 0.16 0.44
Loan Loss Reserves/ Gross Loans 0.51 0.58 0.66 0.74 0.76
Reserves/ NPAs 119.14 110.29 NA NA 114.39
Loan Loss Provision/ NCO 63.01 31.35 75.82 107.17 64.25
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 43,468 42,088 40,417 NA
Tier 1 Capital($000) NA 47,468 46,088 44,417 44,259
Tier 2 Capital($000) NA 2,122 2,341 2,437 NA
Total Capital($000) NA 49,590 48,429 46,854 46,668
Total Risk-weighted Assets($000) NA 377,983 356,678 320,770 305,127
Tier 1 Common Capital (CET1) Ratio(%) 10.62 11.50 11.80 12.60 NA
Tier 1 Ratio(%) 11.56 12.60 12.90 13.90 14.50
Total Capital Ratio(%) 12.03 13.20 13.60 14.70 15.30
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.05 10.60 11 10.90 11
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 5,554,560 5,429,560 5,419,560 5,379,560 5,377,454
Avg Diluted Shares(actual) 5,215,559 4,985,799 5,016,320 4,933,156 4,924,245
Basic Book Value per Share 8.12 8.08 7.87 7.71 7.51
Book Value per Share, As Reported 9.24 9.02 8.63 8.56 8.34
Basic Tangible Book Value per Share 8.12 8.08 7.87 7.71 7.50
Common Dividends Declared per Share 0.39 0.51 0.47 0.42 0.33
Diluted EPS before Amortization 0.69 0.71 0.71 0.65 0.55
Pre-Provision Earnings per Share 0.71 0.74 0.70 0.65 0.57
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.