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Personal Business

Personal Business

Financial Highlights

Financial Highlights
2014 FY
12/31/2014
2015 FY
12/31/2015
2016 FY
12/31/2016
2017 FY
12/31/2017
2018 FQ3 YTD
9/30/2018
Balance Sheet ($000)
Total Assets 426,791 414,933 423,561 456,583 NA
Total Net Loans 240,311 242,943 261,646 266,753 257,798
Total Deposits 342,809 335,877 343,911 370,891 364,826
Equity Attributable to Parent Company 37,975 40,607 42,727 46,020 NA
Total Equity 37,975 40,607 42,727 48,042 NA
Profitability (%)
Net Income($000) 3,361 3,774 4,187 4,770 3,411
Net Income Attributable to Parent($000) 3,361 3,774 4,187 4,505 3,411
ROAA 0.80 0.91 1.01 1.08 NA
Core ROAA 0.76 0.84 0.96 1 NA
ROAE 9.49 9.07 9.77 10.51 NA
ROATCE 9.49 9.07 9.77 11.50 NA
Core ROAE 8.96 8.41 9.21 9.91 NA
Net Interest Margin 3.39 3.27 3.45 3.45 NA
Reported: Net Interest Margin NA NA NA NA NA
Efficiency Ratio 74.17 71.78 69.63 72.28 NA
Noninterest Inc/ Operating Rev 10.20 15.79 15.36 23.39 100
Balance Sheet Ratios (%)
Loans/ Deposits 72.20 73.95 77.33 73.52 72.29
Securities/ Assets 33.03 33.56 30.79 30.96 NA
Total Equity/ Total Assets 8.90 9.79 10.09 10.52 NA
Tangible Equity/ Tangible Assets 8.90 9.79 10.09 8.85 NA
Tang Common Equity/ Tang Assets 8.90 9.79 10.09 8.40 NA
Asset Quality (%)
NPAs/ Assets 4.01 3.01 1.96 1.53 NA
NPA Excl Restructured/ Assets 1.74 0.48 0.68 0.35 NA
NPAs & 90+ PD/ Assets 4.01 3.01 1.96 1.53 NA
NPAs/ Loans & REO 6.85 4.99 3.09 2.55 NA
Nonaccrual & 90+ & OREO/ Assets 1.74 0.48 0.68 0.35 NA
NPAs & 90+ PD/ Loans & REO 6.85 4.99 3.09 2.55 NA
NPA & Loans 90+/ Tangible Common Equity + LLR 37.08 26.58 17.11 16.01 NA
NCOs/ Avg Loans (0.69) 0.75 0.23 (0.06) NA
Loan Loss Reserves/ Gross Loans 3.29 2.54 2.15 2.17 2.26
Reserves/ NPAs 47.81 50.83 69.39 84.89 NA
Loan Loss Provision/ NCO NM 0 0 NM NA
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) 3,060,780 3,054,092 3,056,363 3,066,709 3,075,039
Avg Diluted Shares(actual) 3,041,920 3,059,116 3,059,104 3,064,353 3,072,973
Basic Book Value per Share 12.41 13.30 13.98 15.01 NA
Book Value per Share, As Reported 12.49 13.30 13.98 15.68 NA
Basic Tangible Book Value per Share 12.41 13.30 13.98 12.27 NA
Tangible Book Value per Share, As Reported 12.49 13.30 13.98 NA NA
Common Dividends Declared per Share 0.12 0.18 0.30 0.40 0.31
EPS after Extra 1.10 1.23 1.37 1.47 1.11
EPS after Extra Growth(%) 18 11.80 11.40 7.30 (7.50)
Core EPS 1.04 1.14 1.29 1.35 NA
Core EPS Growth(%) 14.30 9.80 13.30 4.40 NA
Diluted EPS before Amortization 1.10 1.23 1.37 1.53 NA
Pre-Provision Earnings per Share 0.67 0.91 1.05 1.09 NA
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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