Financial Highlights

Financial Highlights
2019 FQ3
9/30/2019
2018 FQ3
9/30/2018
Y-Y Ch (%)
2019 FQ2
6/30/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 726,339 669,977 8.41 717,528 4.91
Total Net Loans 541,332 527,802 2.56 538,593 2.03
Total Deposits 614,000 566,231 8.44 607,256 4.44
Equity Attributable to Parent Company 65,976 58,277 13.21 64,106 11.67
Total Equity 65,976 58,277 13.21 64,106 11.67
Profitability (%)
Net Income($000) 2,052 1,317 55.81 1,564 124.81
Net Income Attributable to Parent($000) 2,052 1,317 55.81 1,564 124.81
ROAA 1.15 0.80 35 bp 0.88 27 bp
Core ROAA 1.15 0.80 35 bp 0.88 27 bp
ROAE 12.56 9.04 352 bp 9.92 264 bp
ROATCE 12.56 9.04 352 bp 9.92 264 bp
Core ROAE 12.56 9.04 352 bp 9.92 264 bp
Net Interest Margin 3.76 3.84 (8) bp 3.72 4 bp
Reported: Net Interest Margin 3.73 3.81 (8) bp 3.73 0 bp
Efficiency Ratio 69.25 76.27 (702) bp 73.38 (413) bp
Noninterest Inc/ Operating Rev 20.64 18.48 216 bp 18.71 193 bp
Balance Sheet Ratios (%)
Loans/ Deposits 88.80 94.13 (533) bp 89.58 (78) bp
Securities/ Assets 10.34 11.21 (87) bp 10.36 (2) bp
Total Equity/ Total Assets 9.08 8.70 38 bp 8.93 15 bp
Tangible Equity/ Tangible Assets 9.08 8.70 38 bp 8.93 15 bp
Tang Common Equity/ Tang Assets 9.08 8.70 38 bp 8.93 15 bp
Asset Quality (%)
NPAs/ Assets 0.80 1.07 (27) bp 0.92 (12) bp
NPA Excl Restructured/ Assets 0.45 0.56 (11) bp 0.51 (6) bp
NPAs & 90+ PD/ Assets 0.80 1.13 (33) bp 0.92 (12) bp
NPAs/ Loans & REO 1.06 1.34 (28) bp 1.21 (15) bp
Nonaccrual & 90+ & OREO/ Assets 0.45 0.62 (17) bp 0.51 (6) bp
NPAs & 90+ PD/ Loans & REO 1.06 1.42 (36) bp 1.21 (15) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 8.15 11.94 (379) bp 9.51 (136) bp
NCOs/ Avg Loans 0.01 (0.03) 4 bp 0.06 (5) bp
Loan Loss Reserves/ Gross Loans 0.99 0.98 1 bp 0.99 0 bp
Reserves/ NPAs 92.78 73.04 1,974 bp 81.79 1,099 bp
Loan Loss Provision/ NCO 0 NM NM 266.23 (26,623) 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) 3,784,934 3,773,836 0.29 3,784,934 0
Avg Diluted Shares(actual) 3,790,846 3,780,547 0.27 3,793,966 (0.33)
Basic Book Value per Share 17.43 15.44 12.89 16.94 11.57
Book Value per Share, As Reported 17.43 15.44 12.89 16.94 11.57
Basic Tangible Book Value per Share 17.43 15.44 12.89 16.94 11.57
Tangible Book Value per Share, As Reported 17.43 15.44 12.89 16.94 11.57
Common Dividends Declared per Share 0.12 0.12 0 0.12 0
EPS after Extra 0.54 0.35 54.29 0.41 126.83
EPS after Extra Growth(%) 54.30 2.90 5,135 bp (6.80) 6,111 bp
Core EPS 0.54 0.35 54.29 0.41 126.83
Core EPS Growth(%) 54.30 3 5,127 bp 8.90 4,542 bp
Diluted EPS before Amortization 0.54 0.35 54.29 0.41 126.83
Pre-Provision Earnings per Share 0.50 0.35 42.86 0.41 87.80

   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.

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