Financial Highlights Report

Financial Highlights
2019 FQ3 YTD
9/30/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
Balance Sheet ($000)
Total Assets 1,440,964 1,384,516 1,336,470 1,318,190 1,323,458
Total Net Loans 985,313 996,667 882,546 882,008 867,101
Total Deposits 1,136,787 1,067,527 1,039,390 1,014,229 998,794
Equity Attributable to Parent Company 129,339 117,066 108,390 113,698 120,771
Total Equity 129,339 117,066 108,390 113,698 120,771
Profitability (%)
Net Income($000) 10,246 10,667 5,269 7,281 12,991
Net Income Attributable to Parent($000) 10,246 10,667 5,269 7,281 12,991
ROAA 0.97 0.81 0.40 0.55 0.99
Core ROAA 0.88 0.81 0.65 0.52 0.37
ROAE 10.96 9.39 4.52 6.38 11.40
ROATCE 12.02 10.39 4.25 6.42 14.16
Core ROAE 10.03 9.31 7.31 6.01 4.25
Net Interest Margin 3.66 3.74 3.37 3.19 3.05
Reported: Net Interest Margin 3.67 3.74 3.37 3.19 3.04
Efficiency Ratio 69.18 70.34 71.06 73.18 78.14
Noninterest Inc/ Operating Rev 25.22 25.41 26.66 27.13 27.44
Balance Sheet Ratios (%)
Loans/ Deposits 87.69 94.36 85.82 87.91 88
Securities/ Assets 16.45 17.19 18.42 18.48 21.38
Total Equity/ Total Assets 8.98 8.46 8.11 8.63 9.13
Tangible Equity/ Tangible Assets 8.28 7.72 7.35 7.86 8.36
Tang Common Equity/ Tang Assets 8.28 7.72 7.35 6.33 6.08
Asset Quality (%)
NPAs/ Assets 1.40 1.17 1.67 2.44 2.32
NPA Excl Restructured/ Assets 1.14 0.83 1.29 1.89 1.69
NPAs & 90+ PD/ Assets 1.41 1.20 1.72 2.47 2.40
NPAs/ Loans & REO 2.02 1.59 2.48 3.57 3.47
Nonaccrual & 90+ & OREO/ Assets 1.14 0.86 1.34 1.92 1.77
NPAs & 90+ PD/ Loans & REO 2.02 1.63 2.55 3.61 3.58
NPA & Loans 90+/ Tangible Common Equity + LLR 15.55 14.16 21.40 35.21 34.60
NCOs/ Avg Loans (0.03) 0.11 0.28 0.57 0.14
Loan Loss Reserves/ Gross Loans 1.20 1.10 1.12 1.11 1.36
Reserves/ NPAs 59.15 68.39 44.56 30.81 38.83
Loan Loss Provision/ NCO NM 203.76 102.18 60.91 88.05
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 141,587 132,938 124,064 105,523 100,485
Tier 1 Capital($000) 168,183 158,795 148,072 145,008 153,283
Tier 2 Capital($000) 12,040 11,110 10,036 19,073 19,841
Total Capital($000) 180,223 169,905 158,108 164,081 173,124
Total Risk-weighted Assets($000) 1,063,062 1,067,890 986,928 982,316 1,005,856
Tier 1 Common Capital (CET1) Ratio(%) 13.32 12.45 12.54 10.75 9.99
Tier 1 Ratio(%) 15.82 14.87 14.97 14.77 15.24
Total Capital Ratio(%) 16.95 15.91 15.98 16.71 17.21
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.68 11.47 11 10.95 11.64
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 7,107,666 7,086,632 7,067,425 6,269,004 6,254,620
Avg Diluted Shares(actual) 7,098,000 7,079,000 6,932,000 6,264,209 6,248,830
Basic Book Value per Share 18.20 16.52 15.34 14.95 14.51
Book Value per Share, As Reported 18.20 16.52 15.34 14.95 14.51
Basic Tangible Book Value per Share 16.65 14.97 13.78 13.19 12.75
Tangible Book Value per Share, As Reported 16.65 14.97 13.78 13.19 12.75
Common Dividends Declared per Share 0.31 0.36 0 0 0
EPS after Extra 1.44 1.51 0.58 0.84 1.65
EPS after Extra Growth(%) 23.10 160.30 (31) (49.10) 243.80
Core EPS 1.32 1.50 1.05 0.77 0.34
Core EPS Growth(%) 13.90 43.10 35.20 125 (22.30)
Diluted EPS before Amortization 1.44 1.51 0.58 0.84 1.65
Pre-Provision Earnings per Share 1.38 1.73 1.20 0.98 0.40
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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