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Financial Highlights
Select Period: Financial Charting
 2018 FY2017 FY2016 FY2015 FY2014 FY
Period Ended12/31/201812/31/201712/31/201612/31/201512/31/2014
Balance Sheet ($000)   
Total Assets429,135446,566413,950399,173367,226
Total Net Loans271,649268,399261,111245,025238,108
Total Deposits382,378402,888372,523358,719322,419
Equity Attributable to Parent Company45,46342,76540,61339,15236,760
Total Equity45,46342,76540,61339,15236,760
Profitability (%)   
Net Income ($000) 6,9234,9025,2474,8844,399
Net Income Attributable to Parent ($000) 6,9234,9025,2474,8844,399
ROAA1.611.141.281.291.23
Core ROAA1.611.291.221.211.17
ROAE15.8511.3712.6512.6412.12
ROATCE15.8511.3712.6512.6412.12
Core ROAE15.8412.8412.0511.9311.56
Net Interest Margin4.153.763.713.723.70
Reported: Net Interest Margin4.153.763.713.723.70
Efficiency Ratio56.7256.4858.9557.7959.53
Noninterest Inc / Operating Rev10.2412.3714.2615.9614.83
Balance Sheet Ratios (%)   
Loans / Deposits71.8367.0669.9567.6472.61
Securities / Assets27.8931.1828.9830.0631.04
Total Equity / Total Assets10.599.589.819.8110.01
Tangible Equity / Tangible Assets10.599.589.819.8110.01
Tang Common Equity / Tang Assets10.599.589.819.8110.01
Asset Quality (%)   
NPAs / Assets0.190.290.640.790.37
NPA Excl Restructured / Assets0.190.280.550.670.24
NPAs & 90+ PD / Assets0.190.300.670.790.71
NPAs / Loans & REO0.300.481.001.260.56
Nonaccrual & 90+ & OREO / Assets0.190.290.580.670.59
NPAs & 90+ PD / Loans & REO0.300.491.041.261.09
NPA & Loans 90+ / Tangible Common Equity + LLR1.662.866.227.386.54
NCOs / Avg Loans(0.01)0.010.050.050.02
Loan Loss Reserves / Gross Loans1.531.421.451.381.38
Reserves / NPAs511.41297.85145.80108.85247.22
Loan Loss Provision / NCONM177.42419.12175.45207.50
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) 46,86444,25341,22038,15935,517
Tier 1 Capital ($000) 46,86444,25341,22038,15935,517
Tier 2 Capital ($000) 3,7933,7333,6303,338NA
Total Capital ($000) 50,65747,98644,85041,49738,752
Total Risk-weighted Assets ($000) 303,523300,428290,077267,033258,674
Tier 1 Common Capital (CET1) Ratio (%) 15.4414.7314.2114.2913.73
Tier 1 Ratio (%) 15.4414.7314.2114.2913.73
Total Capital Ratio (%) 16.6915.9715.4615.5414.98
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) 10.7610.019.859.639.44
Basel III Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 5,510,9175,488,2075,451,7535,408,2605,398,280
Avg Diluted Shares (actual) 5,589,0125,568,4935,561,7395,573,7945,535,432
Basic Book Value per Share8.257.797.457.246.81
Book Value per Share, As Reported8.257.797.457.246.81
Basic Tangible Book Value per Share8.257.797.457.246.81
Tangible Book Value per Share, As Reported8.257.797.457.246.81
Common Dividends Declared per Share0.690.530.490.450.51
EPS after Extra1.240.880.940.870.79
EPS after Extra Growth (%) 40.60(6.2)7.7010.305.20
Core EPS1.241.000.900.820.75
Core EPS Growth (%) 24.4011.308.809.100.30
Diluted EPS before Amortization1.240.880.940.870.79
Pre-Provision Earnings per Share1.180.900.830.810.72
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