Financial Highlights/Balance Sheet

Financial Highlights
2019 FQ2
6/30/2019
2018 FQ2
6/30/2018
Y-Y Ch (%)
2019 FQ1
3/31/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 360,721 349,443 3.23 356,650 4.57
Total Net Loans 272,463 266,872 2.10 277,119 (6.72)
Total Deposits 325,758 318,089 2.41 322,482 4.06
Equity Attributable to Parent Company 29,206 25,621 13.99 28,689 7.21
Total Equity 29,206 25,621 13.99 28,689 7.21
Profitability (%)
Net Income($000) 1,047 1,109 (5.59) 992 22.18
Net Income Attributable to Parent($000) 1,047 1,109 (5.59) 992 22.18
ROAA 1.17 1.29 (12) bp 1.09 8 bp
Core ROAA NA 1.29 NA NA NA
ROAE 14.47 17.61 (314) bp 14.10 37 bp
ROATCE 14.47 17.61 (314) bp 14.10 37 bp
Core ROAE NA 17.61 NA NA NA
Net Interest Margin NA NA NA NA NA
Reported: Net Interest Margin NA NA NA NA NA
Efficiency Ratio 65.77 61.07 470 bp 65.91 (14) bp
Noninterest Inc/ Operating Rev 12.87 16.75 (388) bp 12.81 6 bp
Balance Sheet Ratios (%)
Loans/ Deposits 84.66 85.05 (39) bp 87.17 (251) bp
Securities/ Assets NA NA NA NA NA
Total Equity/ Total Assets 8.10 7.33 77 bp 8.04 6 bp
Tangible Equity/ Tangible Assets 8.10 7.33 77 bp 8.04 6 bp
Tang Common Equity/ Tang Assets 8.10 7.33 77 bp 8.04 6 bp
Asset Quality (%)
NPAs/ Assets NA NA NA NA NA
NPA Excl Restructured/ Assets NA NA NA NA NA
NPAs & 90+ PD/ Assets NA NA NA NA NA
NPAs/ Loans & REO NA NA NA NA NA
Nonaccrual & 90+ & OREO/ Assets NA NA NA NA NA
NPAs & 90+ PD/ Loans & REO NA NA NA NA NA
NPA & Loans 90+/ Tangible Common Equity + LLR NA NA NA NA NA
NCOs/ Avg Loans 0 (0.07) 7 bp (0.07) 7 bp
Loan Loss Reserves/ Gross Loans 1.48 1.40 8 bp 1.46 2 bp
Reserves/ NPAs NA NA NA NA NA
Loan Loss Provision/ NCO NM NM NM NM 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) 1,927,997 1,944,873 (0.87) 1,945,337 (3.57)
Avg Diluted Shares(actual) 1,938,889 1,945,614 (0.35) 1,945,098 (1.28)
Basic Book Value per Share 15.15 13.17 15.03 14.75 10.85
Book Value per Share, As Reported 15.15 13.17 15.03 14.75 10.85
Basic Tangible Book Value per Share 15.15 13.17 15.03 14.75 10.85
Tangible Book Value per Share, As Reported 15.15 13.17 15.03 14.75 10.85
Common Dividends Declared per Share 0.07 0.07 0 0.07 0
EPS after Extra 0.54 0.57 (5.26) 0.51 23.53
EPS after Extra Growth(%) (5.30) 62.90 (6,812) bp 2 (726) bp
Core EPS NA 0.57 NA NA NA
Core EPS Growth(%) NA 62.90 NA NA NA
Diluted EPS before Amortization 0.54 0.57 (5.26) 0.51 23.53
Pre-Provision Earnings per Share 0.57 0.63 (9.52) 0.56 7.14

   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.


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