Financial Highlights

Financial Highlights
2018 FY
3/31/2018
2017 FY
3/31/2017
2016 FY
3/31/2016
2015 FY
3/31/2015
2014 FY
3/31/2014
Balance Sheet ($000)
Total Assets 1,151,535 1,133,939 921,229 858,750 824,521
Total Net Loans 800,820 769,382 615,437 569,788 521,961
Total Deposits 995,691 980,058 779,803 720,850 690,066
Equity Attributable to Parent Company 116,901 111,264 108,273 103,801 97,978
Total Equity 116,901 111,264 108,273 104,337 98,449
Profitability (%)
Net Income($000) 10,242 7,404 6,405 4,556 19,504
Net Income Attributable to Parent($000) 10,242 7,404 6,358 4,491 19,423
ROAA 0.90 0.76 0.73 0.55 2.47
Core ROAA 1.10 0.83 0.73 0.54 2.46
ROAE 8.78 6.66 5.98 4.48 23.83
ROATCE 11.80 8.70 7.94 6.01 34.10
Core ROAE 10.72 7.25 6.08 4.45 23.53
Net Interest Margin 4.08 3.79 3.67 3.59 3.37
Reported: Net Interest Margin 4.08 3.79 3.67 3.59 3.37
Efficiency Ratio 64.59 72.72 75.40 83.22 88.51
Noninterest Inc/ Operating Rev 20.40 22.42 24.66 24.78 26.22
Balance Sheet Ratios (%)
Loans/ Deposits 81.49 79.53 80.13 80.43 77.31
Securities/ Assets 18.71 17.84 16.55 13.88 13.28
Total Equity/ Total Assets 10.15 9.81 11.75 12.15 11.94
Tangible Equity/ Tangible Assets 7.90 7.49 9.23 9.45 9.12
Tang Common Equity/ Tang Assets 7.90 7.49 9.23 9.39 9.06
Asset Quality (%)
NPAs/ Assets 0.72 1.10 1.64 2.82 4.15
NPA Excl Restructured/ Assets 0.24 0.27 0.36 0.81 2.64
NPAs & 90+ PD/ Assets 0.72 1.10 1.64 2.82 4.15
NPAs/ Loans & REO 1.02 1.59 2.42 4.16 6.31
Nonaccrual & 90+ & OREO/ Assets 0.24 0.27 0.36 0.81 2.64
NPAs & 90+ PD/ Loans & REO 1.02 1.60 2.42 4.16 6.31
NPA & Loans 90+/ Tangible Common Equity + LLR 8.34 13.36 16.37 27.22 40.26
NCOs/ Avg Loans (0.03) (0.10) (0.05) 0 (0.12)
Loan Loss Reserves/ Gross Loans 1.33 1.35 1.58 1.85 2.35
Reserves/ NPAs 129.76 84.62 65.32 44.43 36.71
Loan Loss Provision/ NCO NM NM NM NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 93,470 84,157 NA NA NA
Tier 1 Capital($000) 116,838 104,767 NA NA NA
Tier 2 Capital($000) 13,638 15,971 NA NA NA
Total Capital($000) 130,476 120,738 NA NA NA
Total Risk-weighted Assets($000) 799,245 800,480 NA NA NA
Tier 1 Common Capital (CET1) Ratio(%) 11.69 10.51 NA NA NA
Tier 1 Ratio(%) 14.62 13.09 NA NA NA
Total Capital Ratio(%) 16.32 15.08 NA NA NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.59 10.33 NA NA NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 22,570,179 22,510,890 22,507,890 22,489,890 22,471,890
Avg Diluted Shares(actual) 22,618,330 22,548,340 22,494,151 22,431,839 22,369,175
Basic Book Value per Share 5.18 4.94 4.81 4.62 4.36
As-reported Book Value per Share 5.18 4.94 4.81 4.62 4.36
Basic Tangible Book Value per Share 3.93 3.68 3.67 3.48 3.22
Reported: Tangible Book Value 3.93 3.68 3.67 3.46 3.20
Common Dividends Declared per Share 0.08 0.08 0.07 0.01 0
EPS after Extra 0.45 0.33 0.28 0.20 0.87
EPS after Extra Growth(%) 36.40 17.90 40 (77) 625
Core EPS 0.55 0.36 0.28 0.20 0.87
Core EPS Growth(%) 52.90 27.90 43 (77.40) 626.50
Diluted EPS before Amortization 0.46 0.33 0.28 0.20 0.87
Pre-Provision Earnings per Share 0.65 0.34 0.25 0.14 0.02
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