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Financial Highlights
2018 FQ3 YTD
9/30/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
Balance Sheet ($000)
Total Assets 551,494 544,134 280,158 215,029 184,292
Total Net Loans 420,396 441,831 226,717 176,412 152,649
Total Deposits 400,086 392,734 216,820 177,937 141,407
Equity Attributable to Parent Company 76,445 65,579 27,954 24,147 20,101
Total Equity 76,445 65,579 27,954 24,147 20,101
Profitability (%)
Net Income($000) 11,180 2,892 1,800 4,001 4,026
Net Income Attributable to Parent($000) 11,180 2,892 1,800 4,001 4,026
ROAA 2.78 0.83 0.74 2.02 2.45
Core ROAA 1.18 1.40 1.21 2.02 2.44
ROAE 20.52 6.70 7 18.20 22.79
ROATCE NA NA 7 18.20 22.79
Core ROAE 8.69 11.31 11.33 18.20 22.67
Net Interest Margin 4.45 4.53 4.39 3.86 4.17
Reported: Net Interest Margin 4.46 6.05 5.87 3.88 4.17
Efficiency Ratio 70.77 68.30 75.05 75.62 71.22
Noninterest Inc/ Operating Rev 44.06 45.02 63.23 75.45 76.22
Balance Sheet Ratios (%)
Loans/ Deposits 102.10 96.39 78.46 92.20 88.77
Securities/ Assets NA NA 2.52 3.69 4.24
Total Equity/ Total Assets 13.86 12.05 9.98 11.23 10.91
Tangible Equity/ Tangible Assets 8.86 10.52 9.98 11.23 10.91
Tang Common Equity/ Tang Assets 8.86 10.52 9.98 11.23 10.91
Asset Quality (%)
NPAs/ Assets NA NA 2.37 NA 3.75
NPA Excl Restructured/ Assets 1.25 1.16 1.54 1.67 3.06
NPAs & 90+ PD/ Assets NA NA 2.37 NA 3.75
NPAs/ Loans & REO NA NA 2.89 NA 4.48
Nonaccrual & 90+ & OREO/ Assets 1.30 1.29 1.54 2.02 3.06
NPAs & 90+ PD/ Loans & REO NA NA 2.89 NA 4.48
NPA & Loans 90+/ Tangible Common Equity + LLR NA NA 21.96 NA 31.85
NCOs/ Avg Loans 0.32 0.38 0.42 0.15 0.27
Loan Loss Reserves/ Gross Loans 0.92 0.77 1.01 1.03 1.04
Reserves/ NPAs NA NA 34.87 NA 23.15
Loan Loss Provision/ NCO 145.22 203.84 157.96 194.74 230.42
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA NA 27,469 NA 19,700
Tier 1 Capital($000) NA NA 27,469 NA 19,700
Tier 2 Capital($000) NA NA 2,318 NA NA
Total Capital($000) NA NA 29,787 NA 21,300
Total Risk-weighted Assets($000) NA NA 212,537 NA 148,288
Tier 1 Common Capital (CET1) Ratio(%) NA NA 12.92 13.59 13.29
Tier 1 Ratio(%) NA NA 12.92 13.59 13.29
Total Capital Ratio(%) NA NA 14.01 14.63 14.36
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA NA 10.33 11.24 11.30
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 3,020,348 2,952,088 1,463,105 1,364,948 1,314,347
Avg Diluted Shares(actual) 3,106,000 1,880,845 1,448,563 1,416,056 NA
Basic Book Value per Share 25.31 22.21 19.11 17.69 15.29
Book Value per Share, As Reported 25.31 22.21 19.11 17.69 15.29
Basic Tangible Book Value per Share 15.30 19.07 19.11 17.69 15.29
Tangible Book Value per Share, As Reported 15.30 19.07 19.11 17.69 15.29
Common Dividends Declared per Share 0 0 0 0 NA
EPS after Extra 3.60 1.54 1.24 2.83 3.06
EPS after Extra Growth(%) 144.90 24.20 (56.20) (7.50) 61.10
Core EPS 1.53 2.60 2.01 2.83 NA
Core EPS Growth(%) (14.80) 29.50 (29) NA NA
Diluted EPS before Amortization NA NA 1.24 2.83 NA
Pre-Provision Earnings per Share 2.11 2.81 2.81 3.19 NA
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