Financial Highlights

Financial Highlights
2014 FY
12/31/2014
2015 FY
12/31/2015
2016 FY
12/31/2016
2017 FY
12/31/2017
2018 FQ3 YTD
9/30/2018
Balance Sheet ($000)
Total Assets 489,395 530,087 558,566 597,748 631,006
Total Net Loans 257,809 285,008 295,640 343,640 399,979
Total Deposits 435,507 473,526 505,888 537,831 568,634
Equity Attributable to Parent Company 40,658 43,083 33,977 38,049 43,666
Total Equity 40,658 43,083 33,977 38,049 43,666
Profitability (%)
Net Income($000) 2,008 2,843 3,536 3,495 8,423
Net Income Attributable to Parent($000) 2,008 2,843 3,536 3,495 8,423
ROAA 0.41 0.56 0.64 0.60 1.80
Core ROAA 0.39 0.54 0.61 0.77 NA
ROAE 5.12 6.75 8.10 9.52 27.65
ROATCE 6.23 8.29 9.61 9.52 27.65
Core ROAE 4.83 6.55 7.74 12.29 NA
Net Interest Margin 3.27 3.47 3.45 3.35 3.77
Reported: Net Interest Margin NA 3.47 NA NA 3.77
Efficiency Ratio 81.49 79.21 77.02 71.10 65.77
Noninterest Inc/ Operating Rev 25.83 25.89 25.20 26.21 22.50
Balance Sheet Ratios (%)
Loans/ Deposits 59.89 60.95 59.11 64.69 71.03
Securities/ Assets 27.93 27.39 32.75 27.63 NA
Total Equity/ Total Assets 8.31 8.13 6.08 6.37 6.92
Tangible Equity/ Tangible Assets 8.31 8.13 6.08 6.37 6.92
Tang Common Equity/ Tang Assets 6.20 6.18 6.08 6.37 6.92
Asset Quality (%)
NPAs/ Assets NA NA NA NA NA
NPA Excl Restructured/ Assets 2.12 1.44 0.97 0.69 NA
NPAs & 90+ PD/ Assets NA NA NA NA NA
NPAs/ Loans & REO NA NA NA NA NA
Nonaccrual & 90+ & OREO/ Assets 2.18 1.47 1.32 1.13 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 0.18 0.04 0.04 0 0.30
Loan Loss Reserves/ Gross Loans 1.39 1.32 1.31 1.23 1.05
Reserves/ NPAs NA NA NA NA NA
Loan Loss Provision/ NCO 69.15 245.83 181.82 NM 93.70
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA NA NA NA NA
Tier 1 Capital($000) 46,986 NA NA NA NA
Tier 2 Capital($000) NA NA NA NA NA
Total Capital($000) 50,633 NA NA NA NA
Total Risk-weighted Assets($000) 294,923 NA NA NA NA
Tier 1 Common Capital (CET1) Ratio(%) NA NA NA NA NA
Tier 1 Ratio(%) 15.93 NA NA NA 12.74
Total Capital Ratio(%) 17.17 NA NA NA NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.60 9.88 NA NA 8.97
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 2,398,371 2,405,242 2,412,229 2,431,441 2,437,953
Avg Diluted Shares(actual) 2,396,684 2,403,429 2,410,307 2,421,994 2,433,943
Basic Book Value per Share 12.66 13.63 14.09 15.65 17.91
Basic Tangible Book Value per Share 12.66 13.63 14.09 15.65 17.91
EPS after Extra 0.75 1.10 1.38 1.44 3.46
EPS after Extra Growth(%) 29.40 46.70 25.50 4.30 133.80
Core EPS 0.70 1.07 1.31 1.86 NA
Core EPS Growth(%) 46.10 51.70 23.30 41.50 NA
Diluted EPS before Amortization 0.75 1.10 1.38 1.44 3.46
Pre-Provision Earnings per Share 0.71 1.05 1.29 1.80 2.50
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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