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Financial Highlights
2018 FQ3
9/30/2018
2017 FQ3
9/30/2017
Y-Y Ch (%)
2018 FQ2
6/30/2018
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 948,113 910,694 4.11 941,687 2.73
Total Net Loans 721,088 683,605 5.48 713,918 4.02
Total Deposits 786,566 740,961 6.15 792,061 (2.78)
Equity Attributable to Parent Company 77,919 74,108 5.14 76,188 9.09
Total Equity 77,919 74,108 5.14 76,188 9.09
Profitability (%)
Net Income($000) 2,162 1,640 31.83 2,301 (24.16)
Net Income Attributable to Parent($000) 2,162 1,640 31.83 2,301 (24.16)
ROAA 0.91 0.71 20 bp 0.99 (8) bp
Core ROAA 0.92 0.71 21 bp 1 (8) bp
ROAE 11.23 8.90 233 bp 12.28 (105) bp
ROATCE 11.23 8.90 233 bp 12.28 (105) bp
Core ROAE 11.37 8.90 247 bp 12.41 (104) bp
Net Interest Margin 3.18 3.12 6 bp 3.15 3 bp
Reported: Net Interest Margin 3.16 3.09 7 bp 3.16 0 bp
Efficiency Ratio 68.70 65.36 334 bp 69.59 (89) bp
Noninterest Inc/ Operating Rev 10.78 11.01 (23) bp 11.26 (48) bp
Balance Sheet Ratios (%)
Loans/ Deposits 92.68 93.33 (65) bp 91.11 157 bp
Securities/ Assets 18.90 18.99 (9) bp 18.89 1 bp
Total Equity/ Total Assets 8.22 8.14 8 bp 8.09 13 bp
Tangible Equity/ Tangible Assets 8.22 8.14 8 bp 8.09 13 bp
Tang Common Equity/ Tang Assets 8.22 8.14 8 bp 8.09 13 bp
Asset Quality (%)
NPAs/ Assets 0.75 0.77 (2) bp 0.78 (3) bp
NPA Excl Restructured/ Assets 0.13 0.09 4 bp 0.14 (1) bp
NPAs & 90+ PD/ Assets 0.75 0.77 (2) bp 0.78 (3) bp
NPAs/ Loans & REO 0.97 1.01 (4) bp 1.02 (5) bp
Nonaccrual & 90+ & OREO/ Assets 0.13 0.09 4 bp 0.14 (1) bp
NPAs & 90+ PD/ Loans & REO 0.97 1.01 (4) bp 1.02 (5) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 8.24 8.47 (23) bp 8.73 (49) bp
NCOs/ Avg Loans (0.02) (0.03) 1 bp (0.39) 37 bp
Loan Loss Reserves/ Gross Loans 1.08 1.24 (16) bp 1.16 (8) bp
Reserves/ NPAs 111.78 122.95 (1,117) bp 113.14 (136) 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($000) NA NA NA NA NA
Tier 1 Common Capital (CET1) Ratio(%) NA NA NA NA NA
Tier 1 Ratio(%) 11.25 11.23 2 bp 11.10 15 bp
Total Capital Ratio(%) 14.34 14.62 (28) bp 14.28 6 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.21 8.88 33 bp 9.15 6 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 8,678,454 8,645,316 0.38 8,676,843 0.07
Avg Diluted Shares(actual) 8,677,445 8,643,737 0.39 8,675,868 0.07
Basic Book Value per Share 8.98 8.57 4.78 8.78 9.11
Book Value per Share, As Reported 8.98 8.57 4.78 8.78 9.11
Basic Tangible Book Value per Share 8.98 8.57 4.78 8.78 9.11
Tangible Book Value per Share, As Reported 8.98 8.57 4.78 8.78 9.11
Common Dividends Declared per Share 0.03 0.03 0 0.03 0
EPS after Extra 0.25 0.19 31.58 0.27 (29.63)
EPS after Extra Growth(%) 31.60 11.80 1,982 bp 68.80 (3,717) bp
Core EPS 0.25 0.19 31.58 0.27 (29.63)
Core EPS Growth(%) 33.20 12.10 2,111 bp 70.50 (3,727) bp
Diluted EPS before Amortization 0.25 0.19 31.58 0.27 (29.63)
Pre-Provision Earnings per Share 0.23 0.20 15 0.22 18.18

   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.


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.