Financial Highlights Report

Financial Highlights
2020 FQ3 YTD
9/30/2020
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
Balance Sheet ($000)
Total Assets 1,685,907 1,442,027 1,383,760 1,335,867 1,317,675
Total Net Loans 1,178,467 1,038,894 996,103 882,117 881,670
Total Deposits 1,377,284 1,142,031 1,067,527 1,039,390 1,014,229
Equity Attributable to Parent Company 130,237 125,940 117,066 108,390 113,698
Total Equity 130,237 125,940 117,066 108,390 113,698
COVID-19 Financial Disclosure
Paycheck Protection Program Loan($000) NA NA NA NA NA
PPP Loan Ratio(%) NA NA NA NA NA
COVID-19 Loan Modification($000) NA NA NA NA NA
COVID-19 Loan Modification Ratio(%) NA NA NA NA NA
Processing Fees on PPP Loans($000) NA NA NA NA NA
Profitability (%)
Net Income($000) 9,285 13,129 10,667 5,269 7,281
Net Income Attributable to Parent($000) 9,285 13,129 10,667 5,269 7,281
ROAA 0.79 0.93 0.81 0.40 0.55
Core ROAA 0.74 0.86 0.81 0.65 0.52
ROAE 9.87 10.44 9.39 4.52 6.38
ROATCE 10.82 11.44 10.39 4.25 6.42
Core ROAE 9.30 9.75 9.31 7.31 6.01
Net Interest Margin 3.43 3.68 3.74 3.37 3.19
Reported: Net Interest Margin 3.43 3.68 3.74 3.37 3.19
Efficiency Ratio 65.87 69.54 70.34 71.06 73.18
Noninterest Inc/ Operating Rev 25.90 25.27 25.41 26.66 27.13
Balance Sheet Ratios (%)
Loans/ Deposits 86.36 91.91 94.30 85.78 87.87
Securities/ Assets 13.51 15.99 17.20 18.43 18.49
Total Equity/ Total Assets 7.73 8.73 8.46 8.11 8.63
Tangible Equity/ Tangible Assets 7.12 8.03 7.73 7.35 7.86
Tang Common Equity/ Tang Assets 7.12 8.03 7.73 7.35 6.33
Asset Quality (%)
NPAs/ Assets 1.06 1.30 1.17 1.68 2.44
NPA Excl Restructured/ Assets 0.84 1.04 0.83 1.29 1.89
NPAs & 90+ PD/ Assets 1.11 1.36 1.20 1.72 2.47
NPAs/ Loans & REO 1.49 1.78 1.59 2.48 3.57
Nonaccrual & 90+ & OREO/ Assets 0.89 1.09 0.86 1.34 1.92
NPAs & 90+ PD/ Loans & REO 1.56 1.85 1.64 2.55 3.61
NPA & Loans 90+/ Tangible Common Equity + LLR 13.77 15.33 14.16 21.40 35.21
NCOs/ Avg Loans 0.16 (0.02) 0.11 0.28 0.57
Loan Loss Reserves/ Gross Loans 1.36 1.19 1.10 1.12 1.11
Reserves/ NPAs 90.79 66.62 68.39 44.56 30.81
Loan Loss Provision/ NCO 374.79 NM 203.76 102.18 60.91
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 147,887 143,614 132,938 124,064 105,523
Tier 1 Capital($000) 174,898 170,326 158,795 148,072 145,008
Tier 2 Capital($000) 14,703 12,615 11,110 10,036 19,073
Total Capital($000) 189,601 182,941 169,905 158,108 164,081
Total Risk-weighted Assets($000) 1,174,254 1,122,862 1,067,890 986,928 982,316
Tier 1 Common Capital (CET1) Ratio(%) 12.59 12.79 12.45 12.54 10.75
Tier 1 Ratio(%) 14.89 15.17 14.87 14.97 14.77
Total Capital Ratio(%) 16.14 16.29 15.91 15.98 16.71
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.37 11.77 11.47 11 10.95
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 6,988,998 7,110,022 7,086,632 7,067,425 6,269,004
Avg Diluted Shares(actual) 7,019,000 7,101,000 7,079,000 6,932,000 6,264,209
Basic Book Value per Share 18.63 17.71 16.52 15.34 14.95
Book Value per Share, As Reported 18.62 17.71 16.52 15.34 14.95
Basic Tangible Book Value per Share 17.06 16.17 14.97 13.78 13.19
Tangible Book Value per Share, As Reported 17.06 16.17 14.97 13.78 13.19
Common Dividends Declared per Share 0.39 0.44 0.36 0 0
EPS after Extra 1.32 1.85 1.51 0.58 0.84
EPS after Extra Growth(%) (8.30) 22.50 160.30 (31) (49.10)
Core EPS 1.24 1.73 1.50 1.05 0.77
Core EPS Growth(%) (5.60) 15.40 43.10 35.20 125
Diluted EPS before Amortization 1.32 1.85 1.51 0.58 0.84
Pre-Provision Earnings per Share 1.82 1.86 1.73 1.20 0.98
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.
 
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