Financial Highlights

Financial Highlights
2020 FQ1 YTD
9/30/2019
2019 FY
6/30/2019
2018 FY
6/30/2018
2017 FY
6/30/2017
2016 FY
6/30/2016
Balance Sheet ($000)
Total Assets 1,105,296 1,084,850 1,175,549 1,200,633 1,171,381
Total Net Loans 924,314 879,925 998,983 1,021,467 1,029,480
Total Deposits 831,736 841,271 907,598 926,521 926,384
Equity Attributable to Parent Company 122,169 120,641 120,457 128,230 133,451
Total Equity 122,169 120,641 120,457 128,230 133,451
Profitability (%)
Net Income($000) 2,562 4,417 2,131 5,207 7,474
Net Income Attributable to Parent($000) 2,562 4,417 2,131 5,207 7,474
ROAA 0.95 0.39 0.18 0.43 0.64
Core ROAA 0.95 0.59 0.57 0.50 0.64
ROAE 8.46 3.63 1.73 3.94 5.43
ROATCE 8.46 3.63 1.73 3.94 5.43
Core ROAE 8.46 5.44 5.44 4.55 5.48
Net Interest Margin 3.62 3.45 3.17 3.04 2.83
Reported: Net Interest Margin 3.64 3.47 3.19 3.06 2.85
Efficiency Ratio 67.95 83.73 85.42 85.72 83.72
Noninterest Inc/ Operating Rev 10.05 24.69 37.72 46.75 53.54
Balance Sheet Ratios (%)
Loans/ Deposits 111.96 105.44 100.27 98.54 91.61
Securities/ Assets 8.94 9.98 8.81 6.49 5.09
Total Equity/ Total Assets 11.05 11.12 10.25 10.68 11.39
Tangible Equity/ Tangible Assets 11.05 11.12 10.25 10.68 11.39
Tang Common Equity/ Tang Assets 11.05 11.12 10.25 10.68 11.39
Asset Quality (%)
NPAs/ Assets 0.51 0.74 0.74 0.84 1.22
NPA Excl Restructured/ Assets 0.47 0.57 0.59 0.80 1.11
NPAs & 90+ PD/ Assets 0.51 0.74 0.74 0.84 1.22
NPAs/ Loans & REO 0.61 0.91 0.87 0.98 1.37
Nonaccrual & 90+ & OREO/ Assets 0.47 0.57 0.59 0.80 1.11
NPAs & 90+ PD/ Loans & REO 0.61 0.91 0.87 0.98 1.37
NPA & Loans 90+/ Tangible Common Equity + LLR 4.39 6.33 6.85 7.42 10.07
NCOs/ Avg Loans (0.01) (0.02) 0.01 (0.04) (0.17)
Loan Loss Reserves/ Gross Loans 0.74 0.80 0.73 0.78 0.84
Reserves/ NPAs 122.40 87.59 84.39 79.47 60.61
Loan Loss Provision/ NCO NM NM NM NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 110,550 115,009 120,218 127,956 133,081
Tier 1 Capital($000) 110,550 115,009 120,218 127,956 133,081
Tier 2 Capital($000) 7,072 7,216 7,542 8,315 8,874
Total Capital($000) 117,622 122,225 127,760 136,271 141,955
Total Risk-weighted Assets($000) 677,390 638,939 692,272 728,430 743,744
Tier 1 Common Capital (CET1) Ratio(%) 16.32 18 17.37 17.57 17.89
Tier 1 Ratio(%) 16.32 18 17.37 17.57 17.89
Total Capital Ratio(%) 17.37 19.13 18.46 18.71 19.09
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.21 10.50 10.29 10.77 11.40
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 7,479,682 7,486,106 7,421,426 7,714,052 7,975,250
Avg Diluted Shares(actual) 7,647,763 7,596,268 7,700,371 8,098,991 8,541,554
Basic Book Value per Share 16.33 16.12 16.23 16.62 16.73
Book Value per Share, As Reported 16.33 16.12 16.23 16.62 16.73
Basic Tangible Book Value per Share 16.33 16.12 16.23 16.62 16.73
Tangible Book Value per Share, As Reported 16.33 16.12 16.23 16.62 16.73
Common Dividends Declared per Share 0.14 0.56 0.56 0.52 0.48
EPS after Extra 0.33 0.58 0.28 0.64 0.88
EPS after Extra Growth(%) 37.50 107.10 (56.30) (27.30) (17.80)
Core EPS 0.33 0.87 0.88 0.74 0.89
Core EPS Growth(%) 37.50 (1.20) 19 (16.60) (17)
Diluted EPS before Amortization 0.33 0.58 0.28 0.64 0.88
Pre-Provision Earnings per Share 0.35 0.85 0.87 0.72 0.86
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