| Financial Ratios - Trends and Comparisons with Peers |
| Bank Name: |
| Amounts In: | | | | | | | Comparison |
| Period: | | | | | | | of Bank |
| Statement Type: | | | | | | Peer | Ratios to the |
| Date: | 2015 | 2016 | 2017 | 2018 | Trend | Norm | Peer Norms |
| Financial Summary |
| Total Gross Loans & Leases (1) | 123,235 | 139,579 | 148,665 | 154,398 |
| Less Loan & Lease Loss Allowance (2) | 2,180 | 2,783 | 2,114 | 2,377 |
| Net Loans & Leases (3:1-2) | 121,055 | 136,796 | 146,551 | 152,021 |
| Total Investments (4) | 52,347 | 51,120 | 54,600 | 39,560 |
| Total Earning Assets (5:3+4) | 173,402 | 187,916 | 201,151 | 191,581 |
| Noninterest Cash & Due from Banks (6) | 1,484 | 2,246 | 2,339 | 1,758 |
| Other Assets (7) | 6,242 | 11,606 | 12,658 | 11,716 |
| Total Assets (8:5+6+7) | 181,128 | 201,768 | 216,148 | 205,055 |
| Core Deposits (9) | 154,255 | 163,187 | 181,713 | 170,725 |
| Other Deposits (10) | 6,479 | 13,934 | 12,579 | 12,360 |
| Total Deposits (11:9+10) | 160,734 | 177,121 | 194,292 | 183,085 |
| Other Borrowings (12) | 889 | 486 | 404 | 693 |
| Total Liabilities (13:11+12) | 161,623 | 177,607 | 194,696 | 183,778 |
| Total Equity Capital (14) | 19,505 | 24,161 | 21,452 | 21,277 |
| Total Liabilities & Capital | 181,128 | 201,768 | 216,148 | 205,055 |
| Income on Loans & Leases (15) | 5,687 | 6,386 | 6,850 | 7,315 |
| Investment Interest Income (16) | 1,395 | 725 | 579 | 1,042 |
| Interest Income from Other Sources (17) | 46 | 100 | 274 | 201 |
| Total Interest Income (18:15+16+17) | 7,128 | 7,211 | 7,703 | 8,558 |
| Total Interest Expense on Deposits (19) | 991 | 1,055 | 1,087 | 1,142 |
| Total Other Interest Expense (20) | - 0 |
| Total Interest Expense (21:19+20) | 991 | 1,055 | 1,087 | 1,142 |
| Net Interest Income (22:18-21) | 6,137 | 6,156 | 6,616 | 7,416 |
| Total Noninterest Income (23) | 1,399 | 595 | 623 | 1,147 |
| Total Noninterest Expense (24) | 6,493 | 6,951 | 8,142 | 7,814 |
| Provision for Loan & Lease Losses (25) | (1,000) | - 0 | 1,765 | - 0 |
| Realized Gain(Loss) on Secs (26) | 73 | 17 | 9 | - 0 |
| Pretax Net Operating Income (27:22+23-24-25+26) | 2,116 | (183) | (2,659) | 749 |
| Applicable Income Taxes (28) | 319 | - 0 | - 0 | 127 |
| Net Operating Income (29:27-28) | 1,797 | (183) | (2,659) | 622 |
| Net Extraordinary Items (30) | - 0 | - 0 | - 0 | - 0 |
| Net Income (31:29+30) | 1,797 | (183) | (2,659) | 622 |
| Total Revenue/Total Operating Income (32:18+23+26) | 8,600 | 7,823 | 8,335 | 9,705 |
| Total Operating Expense (33:21+24+25) | 6,484 | 8,006 | 10,994 | 8,956 |
| Supplemental Data |
| Average total assets | 179,390 | 191,448 | 208,985 | 210,602 |
| Average total equity | 18,770 | 21,833 | 22,807 | 21,365 |
| Domestic Banking Offices | 4 | 4 | 5 | 5 |
| Foreign Branches | - 0 | - 0 | - 0 | - 0 |
| Personnel Expenses | 3,545 | 3,907 | 4,304 | 4,255 |
| Risk-based Capital |
| Net Tier 1 Capital | 19,713 | 24,530 | 21,871 | 22,493 |
| Net eligible Tier 2 | 1,490 | 1,786 | 1,951 | 2,049 |
| Tier 3 | - 0 | - 0 | - 0 | - 0 |
| Deductions | - 0 | - 0 | - 0 | - 0 |
| Total risk-based-capital | 21,203 | 26,316 | 23,822 | 24,542 |
| Total risk-weighted assets | 118,578 | 142,023 | 156,026 | 163,601 |
| Loan Loss Account |
| Credit Allowance Beginning Balance | 3,600 | 2,096 | 2,694 | 1,960 |
| Gross Credit Losses | 1,143 | 300 | 3,171 | 39 |
| Loans HFS writedowns | - 0 | - 0 | - 0 | - 0 |
| Recoveries | 639 | 898 | 672 | 456 |
| Net Credit Losses | 504 | (598) | 2,499 | (417) |
| Provisions for Credit Losses | (1,000) | - 0 | 1,765 | - 0 |
| Other adjustments | | - 0 | - 0 | - 0 |
| Credit Allowance Ending Balance | 2,096 | 2,694 | 1,960 | 2,377 |
| Average total loans & leases | 111,248 | 131,594 | 144,309 | 149,134 |
| Noncurrent Loans & Leases |
| 90 days and over past due | - 0 | - 0 | 224 | - 0 |
| Total nonaccrual ln&ls | 2,697 | 2,572 | 3,451 | 1,624 |
| Total non-current ln&ls | 2,697 | 2,572 | 3,675 | 1,624 |
| Ln&Ls 30-89 days past due | 786 | 487 | 492 | 318 |
| Misc restructured ln&ls | - 0 |
| All other real estate owned | 238 | 316 | 940 | 154 |
| Capital Adequacy |
| Tier 1 Leverage Capital Ratio | 10.49% | 11.55% | 11.10% | 10.53% |
| Tier 1 Risk-Based Capital Ratio | 16.62% | 17.27% | 14.02% | 13.75% |
| Total Risk-Based Capital Ratio | 17.88% | 18.53% | 15.27% | 15.00% |
| Total Equity/Total Assets | 10.77% | 11.97% | 9.92% | 10.38% |
| Growth in equity | 8.15% | 23.87% | -11.21% | -0.82% |
| Asset Quality |
| Asset Growth Rate | 2.0% | 11.4% | 7.1% | -5.1% |
| Non-current Loans and Leases to Gross Loans and Leases | 2.19% | 1.84% | 2.47% | 1.05% |
| Net Credit Losses to Average Total Loans and Leases | 0.45% | -0.45% | 1.73% | -0.28% |
| Loan and Lease Allowance to Total Loans | 1.70% | 1.93% | 1.32% | 1.54% |
| Management |
| Assets per employee (in millions) | $3.18 | $3.60 | $3.93 | $3.87 |
| Loans per employee (=Loans to assets x Assets per employee) | $1.96 | $2.42 | $2.66 | $2.74 |
| Net income per employee (in thous - ROA x Assets per employee) | $31.85 | ($3.44) | ($50.00) | $11.43 |
| Earnings Record |
| Net Income/Average Total Assets (ROA) | 1.00% | -0.10% | -1.27% | 0.30% |
| Interest Income/Average Total Assets | 3.97% | 3.77% | 3.69% | 4.06% |
| Interest Expense/Average Total Assets | 0.55% | 0.55% | 0.52% | 0.54% |
| Net Interest Margin(Net Int Inc/Av Earning Assets) | 3.61% | 3.41% | 3.40% | 3.78% |
| Non-Interest Income/Average Total Assets | 0.78% | 0.31% | 0.30% | 0.54% |
| Non-interest Expenses/Average Total Assets | 3.62% | 3.63% | 3.90% | 3.71% |
| Provision for Loan Losses/Average Total Assets | -0.56% | 0.00% | 0.84% | 0.00% |
| Personnel Expenses/Average Total Assets | 1.98% | 2.04% | 2.06% | 2.02% |
| Yield on Total Loans & Leases | 5.11% | 4.85% | 4.75% | 4.90% |
| Average Earning Assets/Average Total Assets | 94.69% | 94.36% | 93.10% | 93.24% |
| Return on Equity (ROE) | 9.57% | -0.84% | -11.66% | 2.91% |
| Net Profit Margin (NPM) | 20.90% | -2.34% | -31.90% | 6.41% |
| Degree of Asset Utilization (AU) | 4.79% | 4.09% | 3.99% | 4.61% |
| Equity Multiplier (EM) | 9.56 | 8.77 | 9.16 | 9.86 |
| Efficiency ratio | 86.16% | 102.96% | 112.47% | 91.25% |
| Liquidity |
| Net Non-Core Funding Dependence Ratio |
| Average Net Loans to Average Total Assets | 61.77% | 67.34% | 67.80% | 70.89% |
| Average Core Deposit/Average Total Assets | 84.75% | 82.91% | 82.53% | 83.67% |
| Net Loans to Total Deposits | 75.31% | 77.23% | 75.43% | 83.03% |
| Sensitivity to Market Risk |
| Net Position Gap 1 year | 67% | 61.04% | 56% | 69% |
| Net Position Gap 3 year | 5.5% | 0.82% | -7.0% | 0.5% |
| Average Data |
| Average Equity Capital | 18,770 | 21,833 | 22,807 | 21,365 |
| Average Earning Assets | 169,860 | 180,659 | 194,534 | 196,366 |
| Average Total Assets | 179,390 | 191,448 | 208,958 | 210,602 |
| Average Core Deposits | 152,038 | 158,721 | 172,450 | 176,219 |
| Average Net Loans & leases | 110,811 | 128,926 | 141,674 | 149,286 |
| Average Gross Loans & Leases | 113,752 | 131,407 | 144,122 | 151,532 |
| Average Total Deposits | 159,519 | 168,928 | 185,707 | 188,689 |
| Average Tier 1 Capital | 18,815 | 22,122 | 23,201 | 22,182 |
| Average Total risk-based-capital | 20,228 | 23,760 | 25,069 | 24,182 |
| Average total risk-weighted assets | 111,619 | 130,301 | 149,025 | 159,814 |
| | - 0 | - 0 | - 0 | - 0 |
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BankFinancialAnalysis-1.xls
