Financial Highlights/Balance Sheet

Financial Highlights
2019 FQ3
9/30/2019
2018 FQ3
9/30/2018
Y-Y Ch (%)
2019 FQ2
6/30/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 374,612 372,707 0.51 360,721 15.40
Total Net Loans NA 273,294 NA 272,463 NA
Total Deposits 333,266 340,424 (2.10) 325,758 9.22
Equity Attributable to Parent Company 30,280 26,412 14.64 29,206 14.71
Total Equity 30,280 26,412 14.64 29,206 14.71
Profitability (%)
Net Income($000) 1,257 950 32.32 1,047 80.23
Net Income Attributable to Parent($000) 1,257 950 32.32 1,047 80.23
ROAA 1.37 1.05 32 bp 1.17 20 bp
Core ROAA NA 1.05 NA NA NA
ROAE 16.90 14.61 229 bp 14.47 243 bp
ROATCE 16.90 14.61 229 bp 14.47 243 bp
Core ROAE NA 14.61 NA NA NA
Net Interest Margin NA NA NA NA NA
Reported: Net Interest Margin NA NA NA NA NA
Efficiency Ratio 69.06 61.15 791 bp 65.77 329 bp
Noninterest Inc/ Operating Rev 14.40 13.59 81 bp 12.87 153 bp
Balance Sheet Ratios (%)
Loans/ Deposits NA 81.24 NA 84.66 NA
Securities/ Assets NA NA NA NA NA
Total Equity/ Total Assets 8.08 7.09 99 bp 8.10 (2) bp
Tangible Equity/ Tangible Assets 8.08 7.09 99 bp 8.10 (2) bp
Tang Common Equity/ Tang Assets 8.08 7.09 99 bp 8.10 (2) 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 (0.01) NA 0 NA
Loan Loss Reserves/ Gross Loans NA 1.44 NA 1.48 NA
Reserves/ NPAs NA NA NA NA NA
Loan Loss Provision/ NCO NA NM NA 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) 1,918,472 1,945,337 (1.38) 1,927,997 (1.98)
Avg Diluted Shares(actual) 1,904,545 1,938,776 (1.77) 1,938,889 (7.09)
Basic Book Value per Share 15.78 13.58 16.20 15.15 16.63
Book Value per Share, As Reported 15.78 13.58 16.20 15.15 16.63
Basic Tangible Book Value per Share 15.78 13.58 16.20 15.15 16.63
Tangible Book Value per Share, As Reported 15.78 13.58 16.20 15.15 16.63
Common Dividends Declared per Share 0.07 0.07 0 0.07 0
EPS after Extra 0.66 0.49 34.69 0.54 88.89
EPS after Extra Growth(%) 34.70 16.70 1,802 bp (5.30) 3,995 bp
Core EPS NA 0.49 NA NA NA
Core EPS Growth(%) NA 16.70 NA NA NA
Diluted EPS before Amortization 0.66 0.49 34.69 0.54 88.89
Pre-Provision Earnings per Share 0.52 0.62 (16.13) 0.57 (35.09)

   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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