Financial Highlights/Balance Sheet

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 372,707 374,812 (0.56) 349,443 26.63
Total Net Loans NA 254,997 NA 266,872 NA
Total Deposits 340,424 344,387 (1.15) 318,089 28.09
Equity Attributable to Parent Company 26,412 23,854 10.72 25,621 12.35
Total Equity 26,412 23,854 10.72 25,621 12.35
Profitability (%)
Net Income($000) 950 814 16.71 1,109 (57.35)
Net Income Attributable to Parent($000) 950 814 16.71 1,109 (57.35)
ROAA 1.05 0.92 13 bp 1.29 (24) bp
Core ROAA NA 0.92 NA NA NA
ROAE 14.61 13.87 74 bp 17.61 (300) bp
ROATCE 14.61 13.87 74 bp 17.61 (300) bp
Core ROAE NA 13.87 NA NA NA
Net Interest Margin NA NA NA NA NA
Reported: Net Interest Margin NA NA NA NA NA
Efficiency Ratio 61.15 62.83 (168) bp 61.07 8 bp
Noninterest Inc/ Operating Rev 13.59 12.58 101 bp 16.75 (316) bp
Balance Sheet Ratios (%)
Loans/ Deposits NA 74.97 NA 85.05 NA
Securities/ Assets NA NA NA NA NA
Total Equity/ Total Assets 7.09 6.36 73 bp 7.33 (24) bp
Tangible Equity/ Tangible Assets 7.09 6.36 73 bp 7.33 (24) bp
Tang Common Equity/ Tang Assets 7.09 6.36 73 bp 7.33 (24) 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 NA (0.03) NA NA NA
Loan Loss Reserves/ Gross Loans NA 1.40 NA 1.40 NA
Reserves/ NPAs NA NA NA NA NA
Loan Loss Provision/ NCO NA NM NA NA 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) 1,945,337 1,924,157 1.10 1,944,873 0.10
Avg Diluted Shares(actual) 1,938,776 1,938,095 0.04 1,945,614 (1.41)
Basic Book Value per Share 13.58 12.40 9.52 13.17 12.45
Book Value per Share, As Reported 13.58 12.40 9.52 13.17 12.45
Basic Tangible Book Value per Share 13.58 12.40 9.52 13.17 12.45
Tangible Book Value per Share, As Reported 13.58 12.40 9.52 13.17 12.45
Common Dividends Declared per Share 0.07 0.07 16.67 0.07 0
EPS after Extra 0.49 0.42 16.67 0.57 (56.14)
EPS after Extra Growth(%) 16.70 20 (333) bp 62.90 (4,619) bp
Core EPS NA 0.42 NA NA NA
Core EPS Growth(%) NA 20 NA NA NA
Diluted EPS before Amortization 0.49 0.42 16.67 0.57 (56.14)
Pre-Provision Earnings per Share 0.62 0.45 37.78 0.63 (6.35)

   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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