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 465,478 441,289 396,716 359,642 300,231
Total Net Loans 378,013 358,867 320,620 268,595 242,914
Total Deposits 377,327 363,089 322,317 294,492 247,860
Equity Attributable to Parent Company 48,220 45,319 32,223 29,506 32,815
Total Equity 48,220 45,319 32,223 29,506 32,815
Profitability (%)
Net Income($000) 3,492 3,394 2,900 1,996 1,924
Net Income Attributable to Parent($000) 3,492 3,394 2,900 1,996 1,924
ROAA 1.03 0.81 0.77 0.60 0.66
Core ROAA 1.03 0.84 0.76 0.60 0.65
ROAE 9.99 9.01 9.23 6.84 6.14
ROATCE 9.99 9.01 9.23 6.95 7.06
Core ROAE 10 9.37 9.08 6.84 6.12
Net Interest Margin 3.55 3.49 3.31 3.30 3.54
Reported: Net Interest Margin 3.55 3.49 3.31 3.30 3.65
Efficiency Ratio 70.57 71.24 71.17 78.01 76.80
Noninterest Inc/ Operating Rev 26.97 28.38 33.23 29.93 22.13
Balance Sheet Ratios (%)
Loans/ Deposits 95.77 95.99 94.71 87.90 95.94
Securities/ Assets 12.74 13.03 13.33 19.23 12.36
Total Equity/ Total Assets 10.36 10.27 8.12 8.20 10.93
Tangible Equity/ Tangible Assets 10.36 10.27 8.12 8.20 10.93
Tang Common Equity/ Tang Assets 10.36 10.27 8.12 8.20 9.23
Asset Quality (%)
NPAs/ Assets 0.97 0.78 1.04 1.46 1.02
NPA Excl Restructured/ Assets 0.51 0.64 0.81 0.90 0.74
NPAs & 90+ PD/ Assets 0.97 0.78 1.04 1.46 1.02
NPAs/ Loans & REO 1.19 0.95 1.27 1.93 1.25
Nonaccrual & 90+ & OREO/ Assets 0.51 0.64 0.81 0.90 0.74
NPAs & 90+ PD/ Loans & REO 1.19 0.95 1.27 1.93 1.25
NPA & Loans 90+/ Tangible Common Equity + LLR 8.72 7.02 11.66 16.43 10.14
NCOs/ Avg Loans 0 0.01 0.09 0.23 0
Loan Loss Reserves/ Gross Loans 0.99 0.98 0.96 0.88 1.04
Reserves/ NPAs 83.34 103.47 75.46 45.48 83.57
Loan Loss Provision/ NCO NM NM 370.90 68.99 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 49,276 45,543 32,521 29,439 27,330
Tier 1 Capital($000) 49,276 45,543 32,521 29,439 32,445
Tier 2 Capital($000) 8,787 8,561 8,118 7,392 NA
Total Capital($000) 58,063 54,104 40,639 36,831 35,009
Total Risk-weighted Assets($000) 367,387 350,889 314,563 270,124 247,524
Tier 1 Common Capital (CET1) Ratio(%) 13.41 12.98 10.34 10.90 11.04
Tier 1 Ratio(%) 13.41 12.98 10.34 10.90 13.11
Total Capital Ratio(%) 15.80 15.42 12.92 13.63 14.14
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.69 10.38 8.21 8.55 10.80
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 2,757,004 2,807,002 2,188,268 2,175,642 2,165,387
Basic Book Value per Share 17.49 16.14 14.73 13.56 12.79
Book Value per Share, As Reported 17.49 16.22 14.86 13.53 NA
Basic Tangible Book Value per Share 17.49 16.14 14.73 13.56 12.79
Tangible Book Value per Share, As Reported 17.49 16.22 14.86 13.53 NA
Common Dividends Declared per Share 0 0 0 0 0
EPS after Extra 1.23 1.43 1.33 0.91 0.87
EPS after Extra Growth(%) 12.80 7.50 46.20 4.60 3.60
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.