Financial Highlights

Financial Highlights
2018 FQ2 YTD
9/30/2017
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 1,147,680 1,133,939 921,229 858,750 824,521
Total Net Loans 773,434 769,382 615,437 569,788 521,961
Total Deposits 990,299 980,058 779,803 720,850 690,066
Equity Attributable to Parent Company 116,742 111,264 108,273 103,801 97,978
Total Equity 116,742 111,264 108,273 104,337 98,449
Profitability (%)
Net Income($000) 5,713 7,404 6,405 4,556 19,504
Net Income Attributable to Parent($000) 5,713 7,404 6,358 4,491 19,423
ROAA 1.01 0.76 0.73 0.55 2.47
Core ROAA 1.10 0.83 0.73 0.54 2.46
ROAE 9.92 6.66 5.98 4.48 23.83
ROATCE 13.33 8.70 7.94 6.01 34.10
Core ROAE 10.73 7.25 6.08 4.45 23.53
Net Interest Margin 4.07 3.79 3.67 3.59 3.37
Reported: Net Interest Margin 4.06 3.79 3.67 3.59 3.37
Efficiency Ratio 64.64 72.72 75.40 83.22 88.51
Noninterest Inc/ Operating Rev 20.49 22.42 24.66 24.78 26.22
Balance Sheet Ratios (%)
Loans/ Deposits 79.14 79.53 80.13 80.43 77.31
Securities/ Assets 17.66 17.84 16.55 13.88 13.28
Total Equity/ Total Assets 10.17 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 0.82 1.10 1.64 2.82 4.15
NPA Excl Restructured/ Assets 0.27 0.27 0.36 0.81 2.64
NPAs & 90+ PD/ Assets 0.82 1.10 1.64 2.82 4.15
NPAs/ Loans & REO 1.20 1.59 2.42 4.16 6.31
Nonaccrual & 90+ & OREO/ Assets 0.27 0.27 0.36 0.81 2.64
NPAs & 90+ PD/ Loans & REO 1.20 1.60 2.42 4.16 6.31
NPA & Loans 90+/ Tangible Common Equity + LLR 9.48 13.36 16.37 27.22 40.26
NCOs/ Avg Loans (0.02) (0.10) (0.05) 0 (0.12)
Loan Loss Reserves/ Gross Loans 1.35 1.35 1.58 1.85 2.35
Reserves/ NPAs 113.06 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) 89,794 83,728 NA NA NA
Tier 1 Capital($000) 112,242 104,231 NA NA NA
Tier 2 Capital($000) 9,883 10,010 NA NA NA
Total Capital($000) 122,125 114,241 NA NA NA
Total Risk-weighted Assets($000) 789,428 800,480 NA NA NA
Tier 1 Common Capital (CET1) Ratio(%) 11.37 10.46 NA NA NA
Tier 1 Ratio(%) 14.22 13.02 NA NA NA
Total Capital Ratio(%) 15.47 14.27 NA NA NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.04 10.28 NA NA NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 22,533,912 22,510,890 22,507,890 22,489,890 22,471,890
Avg Diluted Shares(actual) 22,599,851 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 0.02 0.08 0.07 0.01 0
EPS after Extra 0.25 0.33 0.28 0.20 0.87
EPS after Extra Growth(%) 66.70 17.90 40 (77) 625
Core EPS 0.27 0.36 0.28 0.20 0.87
Core EPS Growth(%) 64.70 27.90 43 (77.40) 626.50
Diluted EPS before Amortization 0.26 0.33 0.28 0.20 0.87
Pre-Provision Earnings per Share 0.26 0.34 0.25 0.14 0.02
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