Financial Highlights

Financial Highlights
2019 FQ2 YTD
9/30/2018
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 1,148,447 1,151,535 1,133,939 921,229 858,750
Total Net Loans 838,329 800,820 769,382 615,437 569,788
Total Deposits 982,272 995,691 980,058 779,803 720,850
Equity Attributable to Parent Company 122,410 116,901 111,264 108,273 103,801
Total Equity 122,410 116,901 111,264 108,273 104,337
Profitability (%)
Net Income($000) 8,671 10,242 7,404 6,405 4,556
Net Income Attributable to Parent($000) 8,671 10,242 7,404 6,358 4,491
ROAA 1.52 0.90 0.76 0.73 0.55
Core ROAA 1.53 1.10 0.83 0.73 0.54
ROAE 14.35 8.78 6.66 5.98 4.48
ROATCE 18.87 11.80 8.70 7.94 6.01
Core ROAE 14.38 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 4.36 4.08 3.79 3.67 3.59
Efficiency Ratio 61.29 64.59 72.72 75.40 83.22
Noninterest Inc/ Operating Rev 20.62 20.40 22.42 24.66 24.78
Balance Sheet Ratios (%)
Loans/ Deposits 86.52 81.49 79.53 80.13 80.43
Securities/ Assets 16.81 18.71 17.84 16.55 13.88
Total Equity/ Total Assets 10.66 10.15 9.81 11.75 12.15
Tangible Equity/ Tangible Assets 8.42 7.90 7.49 9.23 9.45
Tang Common Equity/ Tang Assets 8.42 7.90 7.49 9.23 9.39
Asset Quality (%)
NPAs/ Assets 0.53 0.72 1.10 1.64 2.82
NPA Excl Restructured/ Assets 0.20 0.24 0.27 0.36 0.81
NPAs & 90+ PD/ Assets 0.53 0.72 1.10 1.64 2.82
NPAs/ Loans & REO 0.71 1.02 1.59 2.42 4.16
Nonaccrual & 90+ & OREO/ Assets 0.20 0.24 0.27 0.36 0.81
NPAs & 90+ PD/ Loans & REO 0.71 1.02 1.60 2.42 4.16
NPA & Loans 90+/ Tangible Common Equity + LLR 5.70 8.34 13.36 16.37 27.22
NCOs/ Avg Loans (0.17) (0.03) (0.10) (0.05) 0
Loan Loss Reserves/ Gross Loans 1.35 1.33 1.35 1.58 1.85
Reserves/ NPAs 190.77 129.76 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) 22,598,712 22,570,179 22,510,890 22,507,890 22,489,890
Avg Diluted Shares(actual) 22,655,297 22,618,330 22,548,340 22,494,151 22,431,839
Basic Book Value per Share 5.42 5.18 4.94 4.81 4.62
Book Value per Share, As Reported 5.42 5.18 4.94 4.81 4.62
Basic Tangible Book Value per Share 4.17 3.93 3.68 3.67 3.48
Tangible Book Value per Share, As Reported 4.17 3.93 3.68 3.67 3.46
Common Dividends Declared per Share 0.10 0.08 0.08 0.07 0.01
EPS after Extra 0.38 0.45 0.33 0.28 0.20
EPS after Extra Growth(%) 52 36.40 17.90 40 (77)
Core EPS 0.38 0.55 0.36 0.28 0.20
Core EPS Growth(%) 40.70 52.90 27.90 43 (77.40)
Diluted EPS before Amortization 0.38 0.46 0.33 0.28 0.20
Pre-Provision Earnings per Share 0.39 0.65 0.34 0.25 0.14
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