Financial Highlights

Financial Highlights
2021 FQ1 YTD
9/30/2020
2020 FY
6/30/2020
2019 FY
6/30/2019
2018 FY
6/30/2018
2017 FY
6/30/2017
Balance Sheet ($000)
Total Assets 1,184,033 1,176,837 1,084,850 1,175,549 1,200,633
Total Net Loans 884,953 902,796 879,925 998,983 1,021,467
Total Deposits 904,686 892,969 841,271 907,598 926,521
Equity Attributable to Parent Company 124,659 123,976 120,641 120,457 128,230
Total Equity 124,659 123,976 120,641 120,457 128,230
COVID-19 Financial Disclosure
Paycheck Protection Program Loan($000) NA NA NA NA NA
PPP Loan Ratio(%) NA NA NA NA NA
COVID-19 Loan Modification($000) NA NA NA NA NA
COVID-19 Loan Modification Ratio(%) NA NA NA NA NA
Processing Fees on PPP Loans($000) NA NA NA NA NA
Profitability (%)
Net Income($000) 1,485 7,689 4,417 2,131 5,207
Net Income Attributable to Parent($000) 1,485 7,689 4,417 2,131 5,207
ROAA 0.50 0.69 0.39 0.18 0.43
Core ROAA 0.50 0.69 0.59 0.57 0.50
ROAE 4.78 6.26 3.63 1.73 3.94
ROATCE 4.78 6.26 3.63 1.73 3.94
Core ROAE 4.78 6.26 5.44 5.44 4.55
Net Interest Margin 2.82 3.34 3.45 3.17 3.04
Reported: Net Interest Margin 2.84 3.36 3.47 3.19 3.06
Efficiency Ratio 74.91 70.62 83.73 85.42 85.72
Noninterest Inc/ Operating Rev 12.43 11.05 24.69 37.72 46.75
Balance Sheet Ratios (%)
Loans/ Deposits 98.76 102.03 105.44 100.27 98.54
Securities/ Assets 17.42 11.16 9.98 8.81 6.49
Total Equity/ Total Assets 10.53 10.53 11.12 10.25 10.68
Tangible Equity/ Tangible Assets 10.53 10.53 11.12 10.25 10.68
Tang Common Equity/ Tang Assets 10.53 10.53 11.12 10.25 10.68
Asset Quality (%)
NPAs/ Assets 0.38 0.42 0.74 0.74 0.84
NPA Excl Restructured/ Assets 0.38 0.42 0.57 0.59 0.80
NPAs & 90+ PD/ Assets 0.38 0.42 0.74 0.74 0.84
NPAs/ Loans & REO 0.51 0.54 0.91 0.87 0.98
Nonaccrual & 90+ & OREO/ Assets 0.38 0.42 0.57 0.59 0.80
NPAs & 90+ PD/ Loans & REO 0.51 0.54 0.91 0.87 0.98
NPA & Loans 90+/ Tangible Common Equity + LLR 3.40 3.72 6.33 6.85 7.42
NCOs/ Avg Loans 0 (0.01) (0.02) 0.01 (0.04)
Loan Loss Reserves/ Gross Loans 0.95 0.91 0.80 0.73 0.78
Reserves/ NPAs 187.33 167.85 87.59 84.39 79.47
Loan Loss Provision/ NCO NM NM NM NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA NA 115,009 120,218 127,956
Tier 1 Capital($000) NA NA 115,009 120,218 127,956
Tier 2 Capital($000) NA NA 7,216 7,542 8,315
Total Capital($000) NA NA 122,225 127,760 136,271
Total Risk-weighted Assets($000) NA NA 638,993 692,272 728,430
Tier 1 Common Capital (CET1) Ratio(%) NA NA 18 17.37 17.57
Tier 1 Ratio(%) NA NA 18 17.37 17.57
Total Capital Ratio(%) NA NA 19.13 18.46 18.71
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA NA 10.50 10.29 10.77
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 7,441,259 7,436,315 7,486,106 7,421,426 7,714,052
Avg Diluted Shares(actual) 7,457,282 7,576,182 7,596,268 7,700,371 8,098,991
Basic Book Value per Share 16.75 16.67 16.12 16.23 16.62
Book Value per Share, As Reported 16.75 16.67 16.12 16.23 16.62
Basic Tangible Book Value per Share 16.75 16.67 16.12 16.23 16.62
Tangible Book Value per Share, As Reported 16.75 16.67 16.12 16.23 16.62
Common Dividends Declared per Share 0.14 0.56 0.56 0.56 0.52
EPS after Extra 0.20 1.01 0.58 0.28 0.64
EPS after Extra Growth(%) (41.20) 74.10 107.10 (56.30) (27.30)
Core EPS 0.20 1.01 0.87 0.88 0.74
Core EPS Growth(%) (41.20) 16.10 (1.20) 19 (16.60)
Diluted EPS before Amortization 0.20 1.01 0.58 0.28 0.64
Pre-Provision Earnings per Share 0.25 1.25 0.85 0.87 0.72
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