Financial Highlights

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Financial Highlights
2019 FQ1 YTD
9/30/2018
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 3,353,959 3,304,169 3,206,533 2,717,677 2,783,114
Total Net Loans 2,576,947 2,510,665 2,335,926 1,817,322 1,669,207
Total Deposits 2,203,044 2,196,253 2,048,451 1,802,696 1,872,126
Equity Attributable to Parent Company 414,195 409,242 397,647 359,976 371,050
Total Equity 414,195 409,242 397,647 359,976 371,050
Profitability (%)
Net Income($000) 7,790 8,235 11,847 11,456 8,025
Net Income Attributable to Parent($000) 7,790 8,235 11,847 11,456 8,025
ROAA 0.94 0.25 0.40 0.42 0.32
Core ROAA 0.99 0.87 0.63 0.49 0.53
ROAE 7.55 2.05 3.14 3.16 2.12
ROATCE 8.54 2.77 3.85 3.86 2.66
Core ROAE 7.98 6.98 4.91 3.72 3.53
Net Interest Margin 3.45 3.43 3.49 3.37 3.64
Reported: Net Interest Margin 3.45 3.43 3.49 3.37 3.64
Efficiency Ratio 65.17 66.96 71.60 75.77 75.34
Noninterest Inc/ Operating Rev 17.60 16.24 14.69 14.74 13.51
Balance Sheet Ratios (%)
Loans/ Deposits 117.43 115.01 114.79 101.67 90.04
Securities/ Assets 5.75 5.96 7.45 8.47 10.29
Total Equity/ Total Assets 12.35 12.39 12.40 13.25 13.33
Tangible Equity/ Tangible Assets 11.57 11.58 11.50 12.61 12.62
Tang Common Equity/ Tang Assets 11.57 11.58 11.50 12.61 12.62
Asset Quality (%)
NPAs/ Assets 1.01 1.08 1.47 1.94 1.93
NPA Excl Restructured/ Assets 0.40 0.44 0.62 0.90 1.15
NPAs & 90+ PD/ Assets 1.01 1.08 1.47 1.94 1.93
NPAs/ Loans & REO 1.31 1.41 1.99 2.86 3.17
Nonaccrual & 90+ & OREO/ Assets 0.40 0.44 0.62 0.90 1.15
NPAs & 90+ PD/ Loans & REO 1.31 1.41 1.99 2.86 3.17
NPA & Loans 90+/ Tangible Common Equity + LLR 8.37 8.96 12.18 14.59 14.50
NCOs/ Avg Loans 0.02 0 0.01 0.06 0.07
Loan Loss Reserves/ Gross Loans 0.81 0.83 0.90 1.16 1.32
Reserves/ NPAs 61.64 58.75 44.98 40.37 41.61
Loan Loss Provision/ NCO 0 0 0 0 12.45
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 379,035 372,188 342,664 317,258 326,969
Tier 1 Capital($000) 379,035 372,188 342,664 317,258 326,969
Tier 2 Capital($000) 21,387 21,515 21,605 21,747 22,794
Total Capital($000) 400,422 393,703 364,269 339,005 349,763
Total Risk-weighted Assets($000) 2,947,395 2,869,085 2,622,746 2,204,381 2,053,210
Tier 1 Common Capital (CET1) Ratio(%) 12.86 12.97 13.07 14.39 15.92
Tier 1 Ratio(%) 12.86 12.97 13.07 14.39 15.92
Total Capital Ratio(%) 13.58 13.72 13.89 15.38 17.03
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.54 11.45 11.13 11.78 11.91
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 18,939,280 19,041,668 18,967,875 17,998,750 19,488,449
Avg Diluted Shares(actual) 18,880,476 18,726,431 17,956,443 17,606,689 19,117,902
Basic Book Value per Share 21.87 21.49 20.96 20 19.04
Book Value per Share, As Reported 21.87 21.49 20.96 20 19.04
Basic Tangible Book Value per Share 20.31 19.91 19.23 18.90 17.87
Tangible Book Value per Share, As Reported 20.35 19.96 19.37 19.05 18.06
Common Dividends Declared per Share 0 0 0 0 0
EPS after Extra 0.41 0.44 0.65 0.65 0.42
EPS after Extra Growth(%) 36.70 (32.30) 0 54.80 (22.20)
Core EPS 0.43 1.51 1.02 0.77 0.71
Core EPS Growth(%) 35.70 48.20 32.60 8.70 10.80
Diluted EPS before Amortization 0.44 0.58 0.81 0.82 0.56
Pre-Provision Earnings per Share 0.42 1.48 0.87 0.61 0.56
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