Financial Highlights/Balance Sheet

Financial Highlights
2018 FQ4
12/31/2018
2017 FQ4
12/31/2017
Y-Y Ch (%)
2018 FQ3
9/30/2018
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 368,129 342,590 7.45 372,707 (4.91)
Total Net Loans 274,671 251,553 9.19 273,294 2.02
Total Deposits 334,738 311,733 7.38 340,424 (6.68)
Equity Attributable to Parent Company 27,575 24,013 14.83 26,412 17.61
Total Equity 27,575 24,013 14.83 26,412 17.61
Profitability (%)
Net Income($000) 1,125 403 179.16 950 73.68
Net Income Attributable to Parent($000) 1,125 403 179.16 950 73.68
ROAA 1.21 0.45 76 bp 1.05 16 bp
Core ROAA NA 1.06 NA NA NA
ROAE 16.67 6.74 993 bp 14.61 206 bp
ROATCE 16.67 6.74 993 bp 14.61 206 bp
Core ROAE NA 15.88 NA NA NA
Net Interest Margin NA NA NA NA NA
Reported: Net Interest Margin NA NA NA NA NA
Efficiency Ratio 61.56 59.97 159 bp 61.15 41 bp
Noninterest Inc/ Operating Rev 15.26 13.50 176 bp 13.59 167 bp
Balance Sheet Ratios (%)
Loans/ Deposits 83.08 81.66 142 bp 81.24 184 bp
Securities/ Assets NA 10.64 NA NA NA
Total Equity/ Total Assets 7.49 7.01 48 bp 7.09 40 bp
Tangible Equity/ Tangible Assets 7.49 7.01 48 bp 7.09 40 bp
Tang Common Equity/ Tang Assets 7.49 7.01 48 bp 7.09 40 bp
Asset Quality (%)
NPAs/ Assets NA NA NA NA NA
NPA Excl Restructured/ Assets NA 0.17 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 0.17 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 (0.01) (0.01) 0 bp (0.01) 0 bp
Loan Loss Reserves/ Gross Loans 1.45 1.43 2 bp 1.44 1 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) 1,945,337 1,924,157 1.10 1,945,337 0
Avg Diluted Shares(actual) 1,939,655 1,919,048 1.07 1,938,776 0.18
Basic Book Value per Share 14.17 12.48 13.54 13.58 17.38
Book Value per Share, As Reported 14.17 12.48 13.54 13.58 17.38
Basic Tangible Book Value per Share 14.17 12.48 13.54 13.58 17.38
Tangible Book Value per Share, As Reported 14.17 12.48 13.54 13.58 17.38
Common Dividends Declared per Share 0.07 0.07 16.67 0.07 0
EPS after Extra 0.58 0.21 176.19 0.49 73.47
EPS after Extra Growth(%) 176.20 (48.80) 22,497 bp 16.70 15,952 bp
Core EPS NA 0.50 NA NA NA
Core EPS Growth(%) NA 20.70 NA NA NA
Diluted EPS before Amortization 0.58 0.21 176.19 0.49 73.47
Pre-Provision Earnings per Share 0.67 0.51 31.37 0.62 32.26

   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.


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.