Financial Highlights

Financial Highlights
2019 FQ3 YTD
3/31/2019
2018 FY
6/30/2018
2017 FY
6/30/2017
2016 FY
6/30/2016
2015 FY
6/30/2015
Balance Sheet ($000)
Total Assets 1,119,395 1,175,549 1,200,633 1,171,381 1,174,555
Total Net Loans 914,054 998,983 1,021,467 1,029,480 1,038,949
Total Deposits 876,884 907,598 926,521 926,384 924,086
Equity Attributable to Parent Company 121,209 120,457 128,230 133,451 141,137
Total Equity 121,209 120,457 128,230 133,451 141,137
Profitability (%)
Net Income($000) 3,630 2,131 5,207 7,474 9,803
Net Income Attributable to Parent($000) 3,630 2,131 5,207 7,474 9,803
ROAA 0.42 0.18 0.43 0.64 0.87
Core ROAA 0.57 0.57 0.50 0.64 0.87
ROAE 3.97 1.73 3.94 5.43 6.81
ROATCE 3.97 1.73 3.94 5.43 6.81
Core ROAE 5.35 5.44 4.55 5.48 6.81
Net Interest Margin 3.43 3.17 3.04 2.83 3.01
Reported: Net Interest Margin 3.45 3.19 3.06 2.85 3.03
Efficiency Ratio 84.96 85.42 85.72 83.72 79
Noninterest Inc/ Operating Rev 28 37.72 46.75 53.54 54.65
Balance Sheet Ratios (%)
Loans/ Deposits 101.57 100.27 98.54 91.61 89.06
Securities/ Assets 10.45 8.81 6.49 5.09 1.96
Total Equity/ Total Assets 10.83 10.25 10.68 11.39 12.02
Tangible Equity/ Tangible Assets 10.83 10.25 10.68 11.39 12.02
Tang Common Equity/ Tang Assets 10.83 10.25 10.68 11.39 12.02
Asset Quality (%)
NPAs/ Assets 0.71 0.74 0.84 1.22 1.48
NPA Excl Restructured/ Assets 0.55 0.59 0.80 1.11 1.39
NPAs & 90+ PD/ Assets 0.71 0.74 0.84 1.22 1.48
NPAs/ Loans & REO 0.87 0.87 0.98 1.37 1.65
Nonaccrual & 90+ & OREO/ Assets 0.55 0.59 0.80 1.11 1.39
NPAs & 90+ PD/ Loans & REO 0.87 0.87 0.98 1.37 1.65
NPA & Loans 90+/ Tangible Common Equity + LLR 6.22 6.85 7.42 10.07 11.57
NCOs/ Avg Loans (0.02) 0.01 (0.04) (0.17) (0.04)
Loan Loss Reserves/ Gross Loans 0.77 0.73 0.78 0.84 0.83
Reserves/ NPAs 88.72 84.39 79.47 60.61 50.33
Loan Loss Provision/ NCO NM NM NM NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 120,218 127,956 133,081 140,735
Tier 1 Capital($000) NA 120,218 127,956 133,081 140,735
Tier 2 Capital($000) NA 7,542 8,315 8,874 9,151
Total Capital($000) NA 127,760 136,271 141,955 149,886
Total Risk-weighted Assets($000) NA 692,272 728,430 743,744 731,622
Tier 1 Common Capital (CET1) Ratio(%) 18.32 17.37 17.57 17.89 19.24
Tier 1 Ratio(%) 18.32 17.37 17.57 17.89 19.24
Total Capital Ratio(%) 19.42 18.46 18.71 19.09 20.49
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.81 10.29 10.77 11.40 11.94
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 7,497,357 7,421,426 7,714,052 7,975,250 8,634,607
Avg Diluted Shares(actual) 7,555,013 7,700,371 8,098,991 8,541,554 9,173,857
Basic Book Value per Share 16.17 16.23 16.62 16.73 16.35
Book Value per Share, As Reported 16.17 16.23 16.62 16.73 16.35
Basic Tangible Book Value per Share 16.17 16.23 16.62 16.73 16.35
Tangible Book Value per Share, As Reported 16.17 16.23 16.62 16.73 16.35
Common Dividends Declared per Share 0.42 0.56 0.52 0.48 0.45
EPS after Extra 0.48 0.28 0.64 0.88 1.07
EPS after Extra Growth(%) 433.30 (56.30) (27.30) (17.80) 64.60
Core EPS 0.65 0.88 0.74 0.89 1.07
Core EPS Growth(%) (1) 19 (16.60) (17) 64.60
Diluted EPS before Amortization 0.48 0.28 0.64 0.88 1.07
Pre-Provision Earnings per Share 0.63 0.87 0.72 0.86 1.11
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