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Financial Highlights
2019 FQ2
6/30/2019
2018 FQ2
6/30/2018
Y-Y Ch (%)
2019 FQ1
3/31/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 964,264 941,687 2.40 961,130 1.30
Total Net Loans 748,524 713,918 4.85 738,703 5.32
Total Deposits 781,945 792,061 (1.28) 783,616 (0.85)
Equity Attributable to Parent Company 84,090 76,188 10.37 82,291 8.74
Total Equity 84,090 76,188 10.37 82,291 8.74
Profitability (%)
Net Income($000) 1,453 2,301 (36.85) 1,647 (47.12)
Net Income Attributable to Parent($000) 1,453 2,301 (36.85) 1,647 (47.12)
ROAA 0.60 0.99 (39) bp 0.69 (9) bp
Core ROAA 0.69 1 (31) bp 0.68 1 bp
ROAE 6.99 12.28 (529) bp 8.11 (112) bp
ROATCE 6.99 12.28 (529) bp 8.11 (112) bp
Core ROAE 8 12.40 (440) bp 8.02 (2) bp
Net Interest Margin 3.12 3.15 (3) bp 3.07 5 bp
Reported: Net Interest Margin 3.13 3.16 (3) bp 3.12 1 bp
Efficiency Ratio 67.98 69.60 (162) bp 71 (302) bp
Noninterest Inc/ Operating Rev 11.27 11.25 2 bp 11.21 6 bp
Balance Sheet Ratios (%)
Loans/ Deposits 96.74 91.11 563 bp 95.29 145 bp
Securities/ Assets 17.02 18.89 (187) bp 17.66 (64) bp
Total Equity/ Total Assets 8.72 8.09 63 bp 8.56 16 bp
Tangible Equity/ Tangible Assets 8.72 8.09 63 bp 8.56 16 bp
Tang Common Equity/ Tang Assets 8.72 8.09 63 bp 8.56 16 bp
Asset Quality (%)
NPAs/ Assets 0.59 0.78 (19) bp 0.77 (18) bp
NPA Excl Restructured/ Assets 0.20 0.14 6 bp 0.18 2 bp
NPAs & 90+ PD/ Assets 0.59 0.78 (19) bp 0.77 (18) bp
NPAs/ Loans & REO 0.75 1.02 (27) bp 0.99 (24) bp
Nonaccrual & 90+ & OREO/ Assets 0.20 0.14 6 bp 0.18 2 bp
NPAs & 90+ PD/ Loans & REO 0.75 1.02 (27) bp 0.99 (24) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 6.17 8.73 (256) bp 8.17 (200) bp
NCOs/ Avg Loans (0.03) (0.39) 36 bp (0.01) (2) bp
Loan Loss Reserves/ Gross Loans 1.11 1.16 (5) bp 1.07 4 bp
Reserves/ NPAs 147.28 113.14 3,414 bp 108.70 3,858 bp
Loan Loss Provision/ NCO NM NM 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($000) NA NA NA NA NA
Tier 1 Common Capital (CET1) Ratio(%) NA NA NA NA NA
Tier 1 Ratio(%) 11.18 11.10 8 bp 11.29 (11) bp
Total Capital Ratio(%) 14.18 14.28 (10) bp 14.31 (13) bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.52 9.15 37 bp 9.48 4 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 8,714,222 8,676,843 0.43 8,712,023 0.10
Avg Diluted Shares(actual) 8,713,110 8,675,868 0.43 8,687,969 1.16
Basic Book Value per Share 9.65 8.78 9.91 9.45 8.47
Book Value per Share, As Reported 9.65 8.78 9.91 9.45 8.47
Basic Tangible Book Value per Share 9.65 8.78 9.91 9.45 8.47
Tangible Book Value per Share, As Reported 9.65 8.78 9.91 9.45 8.47
Common Dividends Declared per Share 0.03 0.03 0 0.03 0
EPS after Extra 0.17 0.27 (37.04) 0.19 (42.11)
EPS after Extra Growth(%) (37) 68.80 (10,579) bp (9.50) (2,752) bp
Core EPS 0.19 0.27 (29.63) 0.19 0
Core EPS Growth(%) (28.70) 70.40 (9,909) bp (13.20) (1,549) bp
Diluted EPS before Amortization 0.17 0.27 (37.04) 0.19 (42.11)
Pre-Provision Earnings per Share 0.24 0.22 9.09 0.21 57.14

   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.


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