Financial Highlights

Financial Highlights
2020 FQ1 YTD
6/30/2019
2019 FY
3/31/2019
2018 FY
3/31/2018
2017 FY
3/31/2017
2016 FY
3/31/2016
Balance Sheet ($000)
Total Assets 1,165,234 1,156,921 1,151,535 1,133,939 921,229
Total Net Loans 876,535 865,568 800,820 769,382 615,437
Total Deposits 922,274 925,068 995,691 980,058 779,803
Equity Attributable to Parent Company 138,663 133,122 116,901 111,264 108,273
Total Equity 138,663 133,122 116,901 111,264 108,273
Profitability (%)
Net Income($000) 4,192 17,266 10,242 7,404 6,405
Net Income Attributable to Parent($000) 4,192 17,266 10,242 7,404 6,358
ROAA 1.46 1.51 0.90 0.76 0.73
Core ROAA 1.47 1.50 1.10 0.83 0.73
ROAE 12.28 13.86 8.78 6.66 5.98
ROATCE 15.55 18.05 11.80 8.70 7.94
Core ROAE 12.37 13.71 10.72 7.25 6.08
Net Interest Margin 4.29 4.38 4.08 3.79 3.67
Reported: Net Interest Margin 4.32 4.38 4.08 3.79 3.67
Efficiency Ratio 62.62 61.70 64.59 72.72 75.40
Noninterest Inc/ Operating Rev 21.74 20.29 20.40 22.42 24.66
Balance Sheet Ratios (%)
Loans/ Deposits 96.28 94.71 81.49 79.53 80.13
Securities/ Assets 15.04 15.80 18.71 17.84 16.55
Total Equity/ Total Assets 11.90 11.51 10.15 9.81 11.75
Tangible Equity/ Tangible Assets 9.73 9.31 7.90 7.49 9.23
Tang Common Equity/ Tang Assets 9.73 9.31 7.90 7.49 9.23
Asset Quality (%)
NPAs/ Assets 0.48 0.51 0.72 1.10 1.64
NPA Excl Restructured/ Assets 0.13 0.13 0.24 0.27 0.36
NPAs & 90+ PD/ Assets 0.48 0.51 0.72 1.10 1.64
NPAs/ Loans & REO 0.63 0.68 1.02 1.59 2.42
Nonaccrual & 90+ & OREO/ Assets 0.13 0.13 0.24 0.27 0.36
NPAs & 90+ PD/ Loans & REO 0.63 0.68 1.02 1.60 2.42
NPA & Loans 90+/ Tangible Common Equity + LLR 4.57 5.10 8.34 13.36 16.37
NCOs/ Avg Loans 0.01 (0.08) (0.03) (0.10) (0.05)
Loan Loss Reserves/ Gross Loans 1.29 1.31 1.33 1.35 1.58
Reserves/ NPAs 204.94 192.88 129.76 84.62 65.32
Loan Loss Provision/ NCO 0 NM NM NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA NA 93,470 84,157 NA
Tier 1 Capital($000) NA NA 116,838 104,767 NA
Tier 2 Capital($000) NA NA 13,638 15,971 NA
Total Capital($000) NA NA 130,476 120,738 NA
Total Risk-weighted Assets($000) NA NA 799,245 800,480 NA
Tier 1 Common Capital (CET1) Ratio(%) NA NA 11.69 10.51 NA
Tier 1 Ratio(%) NA NA 14.62 13.09 NA
Total Capital Ratio(%) NA NA 16.32 15.08 NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA NA 10.59 10.33 NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 22,705,385 22,607,712 22,570,179 22,510,890 22,507,890
Avg Diluted Shares(actual) 22,685,343 22,659,594 22,623,455 22,548,340 22,494,151
Basic Book Value per Share 6.11 5.89 5.18 4.94 4.81
Book Value per Share, As Reported 6.11 5.89 5.18 4.94 4.81
Basic Tangible Book Value per Share 4.88 4.65 3.93 3.68 3.67
Tangible Book Value per Share, As Reported 4.88 4.65 3.93 3.68 3.67
Common Dividends Declared per Share 0.05 0.18 0.08 0.08 0.07
EPS after Extra 0.18 0.76 0.45 0.33 0.28
EPS after Extra Growth(%) (10) 68.90 36.40 17.90 40
Core EPS 0.18 0.75 0.55 0.36 0.28
Core EPS Growth(%) (10) 36.80 52.90 27.90 43
Diluted EPS before Amortization 0.18 0.77 0.46 0.33 0.28
Pre-Provision Earnings per Share 0.18 0.77 0.65 0.34 0.25
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