Financial Highlights

Financial Highlights
2019 FY
3/31/2019
2018 FY
3/31/2018
2017 FY
3/31/2017
2016 FY
3/31/2016
2015 FY
3/31/2015
Balance Sheet ($000)
Total Assets 1,156,921 1,151,535 1,133,939 921,229 858,750
Total Net Loans 865,568 800,820 769,382 615,437 569,788
Total Deposits 925,068 995,691 980,058 779,803 720,850
Equity Attributable to Parent Company 133,122 116,901 111,264 108,273 103,801
Total Equity 133,122 116,901 111,264 108,273 104,337
Profitability (%)
Net Income($000) 17,266 10,242 7,404 6,405 4,556
Net Income Attributable to Parent($000) 17,266 10,242 7,404 6,358 4,491
ROAA 1.51 0.90 0.76 0.73 0.55
Core ROAA 1.49 1.10 0.83 0.73 0.54
ROAE 13.86 8.78 6.66 5.98 4.48
ROATCE 18.05 11.80 8.70 7.94 6.01
Core ROAE 13.71 10.72 7.25 6.08 4.45
Net Interest Margin 4.37 4.08 3.79 3.67 3.59
Reported: Net Interest Margin 4.38 4.08 3.79 3.67 3.59
Efficiency Ratio 61.75 64.59 72.72 75.40 83.22
Noninterest Inc/ Operating Rev 20.29 20.40 22.42 24.66 24.78
Balance Sheet Ratios (%)
Loans/ Deposits 94.71 81.49 79.53 80.13 80.43
Securities/ Assets NA 18.71 17.84 16.55 13.88
Total Equity/ Total Assets 11.51 10.15 9.81 11.75 12.15
Tangible Equity/ Tangible Assets 9.31 7.90 7.49 9.23 9.45
Tang Common Equity/ Tang Assets 9.31 7.90 7.49 9.23 9.39
Asset Quality (%)
NPAs/ Assets NA 0.72 1.10 1.64 2.82
NPA Excl Restructured/ Assets NA 0.24 0.27 0.36 0.81
NPAs & 90+ PD/ Assets NA 0.72 1.10 1.64 2.82
NPAs/ Loans & REO NA 1.02 1.59 2.42 4.16
Nonaccrual & 90+ & OREO/ Assets NA 0.24 0.27 0.36 0.81
NPAs & 90+ PD/ Loans & REO NA 1.02 1.60 2.42 4.16
NPA & Loans 90+/ Tangible Common Equity + LLR NA 8.34 13.36 16.37 27.22
NCOs/ Avg Loans (0.08) (0.03) (0.10) (0.05) 0
Loan Loss Reserves/ Gross Loans 1.31 1.33 1.35 1.58 1.85
Reserves/ NPAs NA 129.76 84.62 65.32 44.43
Loan Loss Provision/ NCO NM NM NM NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 93,470 84,157 NA NA
Tier 1 Capital($000) NA 116,838 104,767 NA NA
Tier 2 Capital($000) NA 13,638 15,971 NA NA
Total Capital($000) NA 130,476 120,738 NA NA
Total Risk-weighted Assets($000) NA 799,245 800,480 NA NA
Tier 1 Common Capital (CET1) Ratio(%) NA 11.69 10.51 NA NA
Tier 1 Ratio(%) NA 14.62 13.09 NA NA
Total Capital Ratio(%) NA 16.32 15.08 NA NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA 10.59 10.33 NA NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 22,607,712 22,570,179 22,510,890 22,507,890 22,489,890
Avg Diluted Shares(actual) 22,659,594 22,623,455 22,548,340 22,494,151 22,431,839
Basic Book Value per Share 5.89 5.18 4.94 4.81 4.62
Book Value per Share, As Reported 5.89 5.18 4.94 4.81 4.62
Basic Tangible Book Value per Share 4.65 3.93 3.68 3.67 3.48
Tangible Book Value per Share, As Reported 4.65 3.93 3.68 3.67 3.46
Common Dividends Declared per Share 0.18 0.08 0.08 0.07 0.01
EPS after Extra 0.76 0.45 0.33 0.28 0.20
EPS after Extra Growth(%) 68.90 36.40 17.90 40 (77)
Core EPS 0.75 0.55 0.36 0.28 0.20
Core EPS Growth(%) 36.80 52.90 27.90 43 (77.40)
Diluted EPS before Amortization 0.77 0.46 0.33 0.28 0.20
Pre-Provision Earnings per Share 0.77 0.65 0.34 0.25 0.14
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