Financial Highlights
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Financial Highlights
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 284,171 300,985 314,176 326,761
Total Net Loans 182,239 196,890 226,197 229,951
Total Deposits 209,535 218,412 212,159 233,103
Equity Attributable to Parent Company 32,338 33,638 35,719 36,901
Total Equity 32,338 33,638 35,719 36,901
Profitability (%)
Net Income($000) 3,829 3,594 3,413 3,161
Net Income Attributable to Parent($000) 3,829 3,594 3,413 3,161
ROAA 1.37 1.22 1.12 1.31
Core ROAA 1.28 1.22 1.23 1.31
ROAE 11.91 10.58 9.69 11.67
ROATCE 12.18 10.67 9.71 11.69
Core ROAE 11.09 10.59 10.63 11.69
Net Interest Margin 3.65 3.52 3.56 3.59
Reported: Net Interest Margin 3.65 3.52 3.56 3.59
Efficiency Ratio 61.69 60.23 64.22 64.24
Noninterest Inc/ Operating Rev 24.34 24.51 20.91 21.21
Balance Sheet Ratios (%)
Loans/ Deposits 88.50 91.54 107.41 99.54
Securities/ Assets 22.22 22.84 19.20 20.04
Total Equity/ Total Assets 11.38 11.18 11.37 11.29
Tangible Equity/ Tangible Assets 11.34 11.14 11.33 11.26
Tang Common Equity/ Tang Assets 11.30 11.10 11.30 11.22
Asset Quality (%)
NPAs/ Assets 1.58 1.63 0.79 0.91
NPA Excl Restructured/ Assets 1.38 1.22 0.72 0.82
NPAs & 90+ PD/ Assets 1.58 1.63 0.79 0.91
NPAs/ Loans & REO 2.43 2.45 1.09 1.28
Nonaccrual & 90+ & OREO/ Assets 1.38 1.22 0.72 0.82
NPAs & 90+ PD/ Loans & REO 2.43 2.45 1.09 1.28
NPA & Loans 90+/ Tangible Common Equity + LLR 12.76 13.39 6.53 7.55
NCOs/ Avg Loans 0.12 0.03 (0.10) 0.01
Loan Loss Reserves/ Gross Loans 1.72 1.57 1.20 1.17
Reserves/ NPAs 71.01 64.26 110.01 91.76
Loan Loss Provision/ NCO 0 0 NM 0
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA NA NA NA
Tier 1 Capital($000) 31,508 33,716 35,318 37,144
Tier 2 Capital($000) 2,478 2,791 2,747 2,727
Total Capital($000) 33,986 36,507 38,065 39,871
Total Risk-weighted Assets($000) 197,581 222,932 239,022 244,053
Tier 1 Common Capital (CET1) Ratio(%) NA NA NA NA
Tier 1 Ratio(%) 15.95 15.12 14.78 15.22
Total Capital Ratio(%) 17.20 16.38 15.93 16.34
Liquidity Coverage Ratio(%) NA NA NA NA
Leverage Ratio(%) 11.14 11.22 11.38 11.40
Basel III Leverage Ratio(%) NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 1,199,879 1,207,379 1,214,879 1,206,327
Avg Diluted Shares(actual) 1,198,922 1,202,240 1,200,913 1,195,724
Basic Book Value per Share 26.86 27.77 29.31 30.50
Book Value per Share, As Reported 26.95 27.86 29.40 30.59
Basic Tangible Book Value per Share 26.75 27.66 29.20 30.39
Common Dividends Declared per Share 1.31 1.35 1.40 0.72
EPS after Extra 3.19 2.99 2.84 2.65
EPS after Extra Growth(%) 23.20 (6.30) (5) 10
Core EPS 2.97 3 3.12 2.65
Core EPS Growth(%) 14 0.90 4.10 9.90
Diluted EPS before Amortization 3.19 2.99 2.84 2.65
Pre-Provision Earnings per Share 2.61 2.75 2.47 2.43
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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