Financial Highlights

Financial Highlights
2020 FY
6/30/2020
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 1,176,837 1,084,850 1,175,549 1,200,633 1,171,381
Total Net Loans 902,796 879,925 998,983 1,021,467 1,029,480
Total Deposits 892,969 841,271 907,598 926,521 926,384
Equity Attributable to Parent Company 123,976 120,641 120,457 128,230 133,451
Total Equity 123,976 120,641 120,457 128,230 133,451
Profitability (%)
Net Income($000) 7,689 4,417 2,131 5,207 7,474
Net Income Attributable to Parent($000) 7,689 4,417 2,131 5,207 7,474
ROAA 0.69 0.39 0.18 0.43 0.64
Core ROAA 0.69 0.59 0.57 0.50 0.64
ROAE 6.26 3.63 1.73 3.94 5.43
ROATCE 6.26 3.63 1.73 3.94 5.43
Core ROAE 6.26 5.44 5.44 4.55 5.48
Net Interest Margin 3.34 3.45 3.17 3.04 2.83
Reported: Net Interest Margin 3.36 3.47 3.19 3.06 2.85
Efficiency Ratio 70.62 83.73 85.42 85.72 83.72
Noninterest Inc/ Operating Rev 11.05 24.69 37.72 46.75 53.54
Balance Sheet Ratios (%)
Loans/ Deposits 102.03 105.44 100.27 98.54 91.61
Securities/ Assets 11.16 9.98 8.81 6.49 5.09
Total Equity/ Total Assets 10.53 11.12 10.25 10.68 11.39
Tangible Equity/ Tangible Assets 10.53 11.12 10.25 10.68 11.39
Tang Common Equity/ Tang Assets 10.53 11.12 10.25 10.68 11.39
Asset Quality (%)
NPAs/ Assets 0.42 0.74 0.74 0.84 1.22
NPA Excl Restructured/ Assets 0.42 0.57 0.59 0.80 1.11
NPAs & 90+ PD/ Assets 0.42 0.74 0.74 0.84 1.22
NPAs/ Loans & REO 0.54 0.91 0.87 0.98 1.37
Nonaccrual & 90+ & OREO/ Assets 0.42 0.57 0.59 0.80 1.11
NPAs & 90+ PD/ Loans & REO 0.54 0.91 0.87 0.98 1.37
NPA & Loans 90+/ Tangible Common Equity + LLR 3.72 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 0.91 0.80 0.73 0.78 0.84
Reserves/ NPAs 167.85 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) NA 115,009 120,218 127,956 133,081
Tier 1 Capital($000) NA 115,009 120,218 127,956 133,081
Tier 2 Capital($000) NA 7,216 7,542 8,315 8,874
Total Capital($000) NA 122,225 127,760 136,271 141,955
Total Risk-weighted Assets($000) NA 638,993 692,272 728,430 743,744
Tier 1 Common Capital (CET1) Ratio(%) NA 18 17.37 17.57 17.89
Tier 1 Ratio(%) NA 18 17.37 17.57 17.89
Total Capital Ratio(%) NA 19.13 18.46 18.71 19.09
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA 10.50 10.29 10.77 11.40
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 7,436,315 7,486,106 7,421,426 7,714,052 7,975,250
Avg Diluted Shares(actual) 7,576,182 7,596,268 7,700,371 8,098,991 8,541,554
Basic Book Value per Share 16.67 16.12 16.23 16.62 16.73
Book Value per Share, As Reported 16.67 16.12 16.23 16.62 16.73
Basic Tangible Book Value per Share 16.67 16.12 16.23 16.62 16.73
Tangible Book Value per Share, As Reported 16.67 16.12 16.23 16.62 16.73
Common Dividends Declared per Share 0.56 0.56 0.56 0.52 0.48
EPS after Extra 1.01 0.58 0.28 0.64 0.88
EPS after Extra Growth(%) 74.10 107.10 (56.30) (27.30) (17.80)
Core EPS 1.01 0.87 0.88 0.74 0.89
Core EPS Growth(%) 16.10 (1.20) 19 (16.60) (17)
Diluted EPS before Amortization 1.01 0.58 0.28 0.64 0.88
Pre-Provision Earnings per Share 1.25 0.85 0.87 0.72 0.86
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