Back to Top

Financial Highlights

Financial Highlights
2018 FQ3
9/30/2018
2017 FQ3
9/30/2017
Y-Y Ch (%)
2018 FQ2
6/30/2018
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 669,977 631,717 6.06 651,529 11.33
Total Net Loans 527,802 485,766 8.65 505,967 17.26
Total Deposits 566,231 556,209 1.80 565,835 0.28
Equity Attributable to Parent Company 58,277 57,185 1.91 57,698 4.01
Total Equity 58,277 57,185 1.91 57,698 4.01
Profitability (%)
Net Income($000) 1,317 1,281 2.81 1,659 (82.46)
Net Income Attributable to Parent($000) 1,317 1,281 2.81 1,659 (82.46)
ROAA 0.80 0.81 (1) bp 1.02 (22) bp
Core ROAA 0.80 0.81 (1) bp 0.87 (7) bp
ROAE 9.04 9.03 1 bp 11.63 (259) bp
ROATCE 9.04 9.03 1 bp 11.63 (259) bp
Core ROAE 9.04 9.02 2 bp 9.96 (92) bp
Net Interest Margin 3.84 3.77 7 bp 3.87 (3) bp
Reported: Net Interest Margin 3.81 3.75 6 bp 3.88 (7) bp
Efficiency Ratio 76.27 73.15 312 bp 77.42 (115) bp
Noninterest Inc/ Operating Rev 18.48 19.03 (55) bp 18.41 7 bp
Balance Sheet Ratios (%)
Loans/ Deposits 94.13 88.05 608 bp 90.24 389 bp
Securities/ Assets 11.21 10.87 34 bp 11.46 (25) bp
Total Equity/ Total Assets 8.70 9.05 (35) bp 8.86 (16) bp
Tangible Equity/ Tangible Assets 8.70 9.05 (35) bp 8.86 (16) bp
Tang Common Equity/ Tang Assets 8.70 9.05 (35) bp 8.86 (16) bp
Asset Quality (%)
NPAs/ Assets 1.07 1.29 (22) bp 1.14 (7) bp
NPA Excl Restructured/ Assets 0.56 0.60 (4) bp 0.62 (6) bp
NPAs & 90+ PD/ Assets 1.13 1.38 (25) bp 1.22 (9) bp
NPAs/ Loans & REO 1.34 1.66 (32) bp 1.46 (12) bp
Nonaccrual & 90+ & OREO/ Assets 0.62 0.69 (7) bp 0.69 (7) bp
NPAs & 90+ PD/ Loans & REO 1.42 1.77 (35) bp 1.55 (13) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 11.94 14.14 (220) bp 12.68 (74) bp
NCOs/ Avg Loans (0.03) (0.03) 0 bp 0.34 (37) bp
Loan Loss Reserves/ Gross Loans 0.98 0.90 8 bp 0.97 1 bp
Reserves/ NPAs 73.04 54.34 1,870 bp 66.74 630 bp
Loan Loss Provision/ NCO NM NM NM 2.76 NM
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) 3,773,836 3,762,677 0.30 3,773,836 0
Avg Diluted Shares(actual) 3,780,547 3,773,813 0.18 3,784,572 (0.43)
Basic Book Value per Share 15.44 15.20 1.58 15.29 3.92
Book Value per Share, As Reported 15.44 15.20 1.58 15.29 3.92
Basic Tangible Book Value per Share 15.44 15.20 1.58 15.29 3.92
Tangible Book Value per Share, As Reported 15.44 15.20 1.58 15.29 3.92
Common Dividends Declared per Share 0.12 0.12 0 0.12 0
EPS after Extra 0.35 0.34 2.94 0.44 (81.82)
EPS after Extra Growth(%) 2.90 78.90 (7,601) bp 69.20 (6,629) bp
Core EPS 0.35 0.34 2.94 0.38 (31.58)
Core EPS Growth(%) 3 79.10 (7,604) bp 44.90 (4,183) bp
Diluted EPS before Amortization 0.35 0.34 2.94 0.44 (81.82)
Pre-Provision Earnings per Share 0.35 0.31 12.90 0.34 11.76

   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.