Financial Highlights

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Financial Highlights
2018 FQ3 YTD
9/30/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
Balance Sheet ($000)
Total Assets 937,092 894,953 891,383 824,613 744,807
Total Net Loans 690,770 689,113 655,184 629,352 560,532
Total Deposits 815,153 777,225 779,731 714,499 639,054
Equity Attributable to Parent Company 91,339 85,031 80,005 76,285 72,483
Total Equity 91,339 85,031 80,005 76,285 72,483
Profitability (%)
Net Income($000) 8,086 6,963 6,590 5,576 4,927
Net Income Attributable to Parent($000) 8,086 6,963 6,590 5,576 4,927
ROAA 1.20 0.79 0.77 0.71 0.68
Core ROAA 1.20 0.91 0.77 0.73 0.68
ROAE 12.20 8.19 8.16 7.35 6.92
ROATCE 14.43 9.77 9.83 8.99 8.61
Core ROAE 12.23 9.42 8.09 7.54 6.92
Net Interest Margin 4.43 4.28 4.11 4.01 4.17
Reported: Net Interest Margin 4.50 4.28 4.11 4.10 4.17
Efficiency Ratio 72.30 72.16 74.07 77.20 77.47
Noninterest Inc/ Operating Rev 21.61 23.59 26.16 24.58 23.37
Balance Sheet Ratios (%)
Loans/ Deposits 84.90 88.43 84.36 87.52 88.11
Securities/ Assets 11.39 12.65 12.84 12.62 12.56
Total Equity/ Total Assets 9.75 9.50 8.98 9.25 9.73
Tangible Equity/ Tangible Assets 8.43 8.11 7.57 7.73 8.05
Tang Common Equity/ Tang Assets 8.43 8.11 7.57 7.73 8.05
Asset Quality (%)
NPAs/ Assets 0.12 0.28 0.23 0.68 1.65
NPA Excl Restructured/ Assets 0.08 0.24 0.18 0.62 1.30
NPAs & 90+ PD/ Assets 0.12 0.28 0.23 0.68 1.71
NPAs/ Loans & REO 0.16 0.36 0.30 0.87 2.16
Nonaccrual & 90+ & OREO/ Assets 0.08 0.24 0.18 0.62 1.36
NPAs & 90+ PD/ Loans & REO 0.16 0.36 0.30 0.87 2.23
NPA & Loans 90+/ Tangible Common Equity + LLR 1.26 3.14 2.67 7.87 18.92
NCOs/ Avg Loans 0 0.05 0.02 0.10 0.06
Loan Loss Reserves/ Gross Loans 1.30 1.30 1.38 1.30 1.47
Reserves/ NPAs 828.79 359.37 454.82 148.76 67.86
Loan Loss Provision/ NCO 0 73.12 NM 94.17 98.04
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 72,125 67,703 63,456 59,011
Tier 1 Capital($000) NA 85,125 80,703 76,456 72,011
Tier 2 Capital($000) NA 9,091 8,928 8,286 NA
Total Capital($000) NA 94,216 89,631 84,742 79,308
Total Risk-weighted Assets($000) NA 742,791 713,414 663,072 582,703
Tier 1 Common Capital (CET1) Ratio(%) 10.67 9.71 9.49 9.57 10.13
Tier 1 Ratio(%) 12.40 11.46 11.31 11.53 12.36
Total Capital Ratio(%) 13.61 12.69 12.56 12.78 13.61
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.30 9.56 9.25 9.44 9.80
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 10,565,034 10,491,892 10,424,541 10,394,828 10,371,460
Avg Diluted Shares(actual) 10,672,184 10,647,279 10,588,724 10,524,303 10,347,338
Basic Book Value per Share 8.65 8.10 7.67 7.34 6.99
Book Value per Share, As Reported 8.65 8.10 7.67 7.34 6.99
Basic Tangible Book Value per Share 7.37 6.82 6.38 6.03 5.68
Tangible Book Value per Share, As Reported 7.37 6.82 6.38 6.03 5.68
Common Dividends Declared per Share 0 0.25 0.23 0.22 0.21
EPS after Extra 0.76 0.65 0.62 0.53 0.48
EPS after Extra Growth(%) 43.40 4.80 17 10.40 29.70
Core EPS 0.76 0.75 0.62 0.54 0.48
Core EPS Growth(%) 44.70 21.40 13.20 13.20 28.50
Diluted EPS before Amortization 0.76 0.65 0.62 0.53 0.48
Pre-Provision Earnings per Share 0.72 0.70 0.61 0.51 0.44
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