Financial Highlights

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 322,327 307,526 268,646 230,709 213,342
Total Net Loans 262,265 251,317 213,165 160,303 133,910
Total Deposits 240,651 232,921 214,766 184,527 167,071
Equity Attributable to Parent Company 45,008 44,993 43,304 45,545 45,463
Total Equity 45,008 44,993 43,304 45,545 45,463
Profitability (%)
Net Income($000) 1,301 1,804 1,422 658 (172)
Net Income Attributable to Parent($000) 1,301 1,804 1,422 658 (172)
ROAE 3.87 4.05 3.23 1.06 (1.67)
Net Interest Margin 2.46 2.42 2.36 2.20 2.15
Reported: Net Interest Margin 2.46 2.42 2.37 2.19 2.15
Noninterest Inc/ Operating Rev 2.68 3.68 3.85 4.93 6.74
Balance Sheet Ratios (%)
Loans/ Deposits 109.55 108.38 99.67 87.19 80.46
Securities/ Assets 9.19 9.20 12.21 19.76 19.79
Total Equity/ Total Assets 13.96 14.63 16.12 19.74 21.31
Tangible Equity/ Tangible Assets 13.96 14.63 16.12 19.74 21.31
Tang Common Equity/ Tang Assets 13.96 14.63 16.12 19.74 21.31
Asset Quality (%)
NPAs/ Assets NA 0.09 0 0.11 0.29
NPA Excl Restructured/ Assets NA 0.06 0 0.11 0.29
NPAs & 90+ PD/ Assets NA 0.09 0 0.11 0.29
NPAs/ Loans & REO NA 0.11 0 0.16 0.46
Nonaccrual & 90+ & OREO/ Assets NA 0.06 0 0.11 0.29
NPAs & 90+ PD/ Loans & REO NA 0.11 0 0.16 0.46
NPA & Loans 90+/ Tangible Common Equity + LLR NA 0.62 0.02 0.57 1.35
NCOs/ Avg Loans 0 0 0 0 0
Loan Loss Reserves/ Gross Loans 0.52 0.45 0.42 0.36 0.39
Reserves/ NPAs NA 393.75 NM 218.87 83.47
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA NA NA NA NA
Tier 1 Capital($000) NA NA NA NA NA
Tier 2 Capital($000) NA NA NA NA NA
Total Capital($000) NA NA NA NA NA
Total Risk-weighted Assets($000) NA NA NA NA NA
Tier 1 Common Capital (CET1) Ratio(%) NA NA NA NA NA
Tier 1 Ratio(%) NA NA NA NA NA
Total Capital Ratio(%) NA NA NA NA NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA NA NA NA NA
Basel III Leverage Ratio(%) NA NA NA NA NA
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