Back to Top

Financial Highlights

Financial Highlights
2017 FQ2
6/30/2017
2016 FQ2
6/30/2016
Y-Y Ch (%)
2017 FQ1
3/31/2017
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 646,265 619,192 4.37 630,032 10.31
Total Net Loans 463,309 451,093 2.71 451,166 10.77
Total Deposits 571,902 540,391 5.83 551,103 15.10
Equity Attributable to Parent Company 56,259 53,892 4.39 55,267 7.18
Total Equity 56,259 53,892 4.39 55,267 7.18
Profitability (%)
Net Income($000) 990 1,562 (36.62) 768 115.62
Net Income Attributable to Parent($000) 990 1,562 (36.62) 768 115.62
ROAA 0.63 1.01 (38) bp 0.50 13 bp
Core ROAA 0.63 1.01 (38) bp 0.50 13 bp
ROAE 7.08 11.66 (458) bp 5.60 148 bp
ROATCE 7.08 11.66 (458) bp 5.60 148 bp
Core ROAE 7.08 11.66 (458) bp 5.60 148 bp
Net Interest Margin 3.59 3.46 13 bp 3.48 11 bp
Reported: Net Interest Margin 3.60 3.48 12 bp 3.52 8 bp
Efficiency Ratio 77.23 83.17 (594) bp 84.57 (734) bp
Noninterest Inc/ Operating Rev 21.12 21.54 (42) bp 22.21 (109) bp
Balance Sheet Ratios (%)
Loans/ Deposits 81.76 84.33 (257) bp 82.68 (92) bp
Securities/ Assets 10.14 8.48 166 bp 9.24 90 bp
Total Equity/ Total Assets 8.71 8.70 1 bp 8.77 (6) bp
Tangible Equity/ Tangible Assets 8.71 8.70 1 bp 8.77 (6) bp
Tang Common Equity/ Tang Assets 8.71 8.70 1 bp 8.77 (6) bp
Asset Quality (%)
NPAs/ Assets 1.27 1.44 (17) bp 1.45 (18) bp
NPA Excl Restructured/ Assets 0.57 0.56 1 bp 0.72 (15) bp
NPAs & 90+ PD/ Assets 1.28 1.44 (16) bp 1.45 (17) bp
NPAs/ Loans & REO 1.75 1.95 (20) bp 1.99 (24) bp
Nonaccrual & 90+ & OREO/ Assets 0.59 0.56 3 bp 0.72 (13) bp
NPAs & 90+ PD/ Loans & REO 1.77 1.95 (18) bp 1.99 (22) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 13.69 15.22 (153) bp 15.24 (155) bp
NCOs/ Avg Loans 0.38 (1.20) 158 bp 0.09 29 bp
Loan Loss Reserves/ Gross Loans 0.92 1.01 (9) bp 0.98 (6) bp
Reserves/ NPAs 52.28 51.67 61 bp 49.18 310 bp
Loan Loss Provision/ NCO 54.27 NM NM 51.02 325 bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA NA NA NA NA
Tier 1 Capital($000) NA NA NA NA NA
Tier 2 Capital($000) NA NA NA NA NA
Total Capital($000) NA NA NA NA NA
Total Risk-weighted Assets($000) NA NA NA NA NA
Tier 1 Common Capital (CET1) Ratio(%) NA NA NA NA NA
Tier 1 Ratio(%) NA NA NA NA NA
Total Capital Ratio(%) NA NA NA NA NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA NA NA NA NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 3,769,201 3,753,117 0.43 3,769,201 0
Avg Diluted Shares(actual) 3,778,532 3,764,477 0.37 3,768,676 1.05
Basic Book Value per Share 14.93 14.36 3.97 14.66 7.37
As-reported Book Value per Share 14.93 14.36 3.97 14.66 7.37
Basic Tangible Book Value per Share 14.93 14.36 3.97 14.66 7.37
Reported: Tangible Book Value 14.93 14.36 3.97 14.66 7.37
Common Dividends Declared per Share 0.12 0.12 0 0.12 0
EPS after Extra 0.26 0.42 (38.10) 0.20 120
EPS after Extra Growth(%) (38.10) 50 (8,810) bp 25 (6,310) bp
Core EPS 0.26 0.42 (38.10) 0.20 120
Core EPS Growth(%) (38.10) 50 (8,810) bp 25 (6,310) bp
Diluted EPS before Amortization 0.26 0.42 (38.10) 0.20 120
Pre-Provision Earnings per Share 0.25 0.17 47.06 0.16 225

   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.


Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.