Balance Sheet

Financial Highlights
2020 FQ2 YTD
3/31/2020
2019 FY
9/30/2019
2018 FY
9/30/2018
2017 FY
9/30/2017
2016 FY
9/30/2016
Assets ($000)

Cash and Due from Banks

97,121

48,426

39,197

36,008

31,815

Fed Funds Sold

0 0 0 0 0

Deposits at Financial Institutions

76,398

3,816

4,842

6,175

13,093

Securities Purchased, to Resell

0 0 0 0 0

Other Cash & Cash Equivalents

0 0 0 0 0

Cash and Cash Equivalents

173,519

52,242

44,039

42,183

44,908

Trading Account Securities

0 0 0 0 0

Available for Sale Securities

306,407

313,393

371,438

390,452

390,410

Held to Maturity Securities

0 0 0 0 0

Other Securities

17,284

11,579

12,973

13,832

15,463

Total Cash & Securities

497,210

377,214

428,450

446,467

450,781

Gross Loans Held for Investment

1,371,346

1,341,283

1,316,759

1,246,046

1,228,269

Loan Loss Reserve

13,179

12,630

11,688

9,365

9,056

Loans Held for Sale, before Reserves

0 0 0 0 0

Total Net Loans

1,358,167

1,328,653

1,305,071

1,236,681

1,219,213

Real Estate Owned and Held for Investment

408

240

1,141

1,424

2,659

Goodwill

13,801

13,801

13,801

13,801

13,801

Core Deposit Intangibles

926

1,066

1,375

1,844

NA

Other Intangibles

0 0 0 0 NA

Intangible Assets other than Goodwill

926

1,066

1,375

1,844

2,487

Total Intangible Assets

14,727

14,867

15,176

15,645

16,288

Loan Servicing Rights

188

177

206

232

398

Credit Card Rights

0 0 0 0 0

Other Loan Servicing Rights

0 0 0 0 0

Total Servicing Rights

188

177

206

232

398

Fixed Assets

21,226

14,335

14,601

16,234

16,844

Interest Receivable

6,593

6,225

6,640

6,149

5,769

Prepaid Expense

NA NA

4,223

3,417

1,600

Bank-owned Life Insurance

40,077

39,601

38,630

37,626

36,593

Other Assets

16,580

18,115

19,652

21,343

22,334

Total Other Assets

84,476

78,276

83,746

84,769

83,140

Total Assets

1,955,176

1,799,427

1,833,790

1,785,218

1,772,479

Memo: Consolidated VIE Assets

0 0 0 0 0

Memo: Covered Loans

0 0 0 0 0

Memo: Covered OREO

0 0 0 0 0

Memo: Covered Securities

0 0 0 0 0

Memo: Covered Assets

0 0 0 0 0
Liabilities ($000)

Total Deposits

1,327,613

1,342,830

1,336,855

1,274,861

1,214,820

FHLB Borrowings

400,660

248,282

298,496

311,614

360,061

Senior Debt

407,530

248,282

298,496

311,614

360,061

Trust Preferred (FAS 150)

0 0 0 0 0

Total Subordinated Debt

0 0 0 0 0

Redeemable Financial Instruments (FAS 150)

0 0 0 0 0

Total Debt

407,530

248,282

298,496

311,614

360,061

Total Other Liabilities

26,367

18,807

19,253

16,016

21,254

Total Liabilities

1,761,510

1,609,919

1,654,604

1,602,491

1,596,135

Memo: Consolidated VIE Liabilities

0 0 0 0 0
Mezzanine ($000)

Redeemable Preferred

0 0 0 0 0

Trust Preferred Securities

0 0 0 0 0

Total Minority Interest

0 0 0 0 0

Other Mezzanine Items

0 0 0 0 0

Total Mezzanine Level Items

0 0 0 0 0
Equity ($000)

TARP Preferred Equity

0 0 0 0 0

Other Preferred Equity

0 0 0 0 0

Total Preferred Equity

0 0 0 0 0

Common Equity

193,666

189,508

179,186

182,727

176,344

Equity Attributable to Parent Company

193,666

189,508

179,186

182,727

176,344

Noncontrolling Interests

0 0 0 0 0

Total Equity

193,666

189,508

179,186

182,727

176,344

Net Unrealized Gain

4,987

807

(11,369)

(927)

3,952

Tot Acc Other Comprehensive Inc

996

(1,280)

(9,910)

(754)

(1,832)

Balance Sheet Analysis (%)

Gross Loans HFI/ Total Assets

70.14

74.54

71.81

69.80

69.30

Loans/ Deposits

103.29

99.88

98.50

97.74

101.11

Loan Loss Reserves/ Gross Loans

0.96

0.94

0.89

0.75

0.74

Reserves/ Loans Held For Investment

0.96

0.94

0.89

0.75

0.74

One Year Gap/ Assets

NA

NA

NA

NA

NA

1-4 Loans Serviced for Others($000)

NA

85,743

72,043

61,167

78,497

Level 1 Assets($000)

20

25

20

25

25

Level 2 Assets($000)

301,070

305,904

366,132

384,418

383,353

Level 3 Assets($000)

16,177

16,160

20,436

24,111

32,760

Level 1 Liabilities($000)

0 0 0 0 0

Level 2 Liabilities($000)

4,515

1,011

0 0 0

Level 3 Liabilities($000)

0 0 0 0 0

FTE Employees(actual)

244

256

266

304

326

Annualized Growth Rates (%)

Asset Growth

17.31

(1.87)

2.72

0.72

10.33

Gross Loans HFI Growth

4.48

1.86

5.67

1.45

10.55

Deposit Growth

(2.27)

0.45

4.86

4.94

10.77

Average Balances ($000)

Avg Gross Loans HFI

1,350,538

1,336,019

1,293,002

1,227,590

1,215,702

Avg Loans HFS

0

0

0

0

0

Average Loans, Gross of Reserves

1,350,538

1,336,019

1,293,002

1,227,590

1,215,702

Avg Securities

NA

362,240

394,911

406,225

403,580

Avg Other Int Earn Assets

NA

26,720

5,532

8,100

3,848

Avg Secs & Other Int Earn Assets

357,724

388,960

400,443

414,325

407,428

Avg Interest Earning Assets

1,708,262

1,724,979

1,693,445

1,641,915

1,623,130

Avg Assets

1,807,336

1,823,170

1,814,678

1,763,409

1,732,496

Avg CDs

NA

495,957

520,465

517,569

596,143

Avg Other Interest-bearing Deposits

NA

660,666

583,215

548,544

444,184

Avg Interest-bearing Deposits

NA

1,156,623

1,103,680

1,066,113

1,040,327

Avg Debt

NA

292,352

352,423

349,513

356,741

Avg Interest-bearing Liabs

1,409,772

1,448,975

1,456,103

1,415,626

1,397,068

Avg Noninterest-bearing Deposits

NA

167,211

154,662

147,554

138,070

Avg Total Deposits

1,334,452

1,323,834

1,258,342

1,213,667

1,178,397

Avg Preferred Equity

0

0

0

0

0

Avg Common Equity

192,696

185,645

180,759

178,629

175,487

Avg Equity

192,696

185,645

180,759

178,629

175,487

Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.