Financial Highlights
 
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 700,621 714,666 711,101 655,184 612,443
Total Net Loans 488,782 511,234 485,692 419,454 393,093
Total Deposits 587,128 604,419 585,851 539,850 496,404
Equity Attributable to Parent Company 74,153 64,918 61,630 57,670 56,684
Total Equity 74,153 64,918 61,630 57,670 56,684
Profitability (%)
Net Income($000) 5,378 8,835 4,350 4,871 4,378
Net Income Attributable to Parent($000) 5,378 8,835 4,350 4,871 4,378
ROAA 1.04 1.31 0.68 0.80 0.77
Core ROAA 1.03 1.13 0.79 0.78 0.76
ROAE 10.35 14.36 7.25 8.27 7.73
ROATCE 10.35 14.36 7.25 8.27 7.73
Core ROAE 10.34 12.40 8.35 8.02 7.65
Net Interest Margin 3.80 3.76 3.59 3.64 3.65
Reported: Net Interest Margin 3.80 3.76 3.59 3.63 3.65
Efficiency Ratio 67.52 64.83 73.41 72.72 70.46
Noninterest Inc/ Operating Rev 16.92 15.13 16.77 17.34 17.16
Balance Sheet Ratios (%)
Loans/ Deposits 83.19 85.11 83.21 77.76 79.42
Securities/ Assets 19.88 19.52 22.84 27.35 26.46
Total Equity/ Total Assets 10.58 9.08 8.67 8.80 9.26
Tangible Equity/ Tangible Assets 10.58 9.08 8.67 8.80 9.26
Tang Common Equity/ Tang Assets 10.58 9.08 8.67 8.80 9.26
Asset Quality (%)
NPAs/ Assets 1.30 1.42 0.85 1.39 2.02
NPA Excl Restructured/ Assets 0.40 0.31 0.25 0.55 0.93
NPAs & 90+ PD/ Assets 1.30 1.42 0.85 1.39 2.02
NPAs/ Loans & REO 1.85 1.97 1.22 2.14 3.10
Nonaccrual & 90+ & OREO/ Assets 0.40 0.31 0.25 0.55 0.93
NPAs & 90+ PD/ Loans & REO 1.85 1.97 1.22 2.14 3.10
NPA & Loans 90+/ Tangible Common Equity + LLR 11.57 14.67 9.08 14.57 20.01
NCOs/ Avg Loans 0.03 0.23 0.09 0.10 0.13
Loan Loss Reserves/ Gross Loans 0.94 0.81 0.93 1.15 1.30
Reserves/ NPAs 50.90 41.40 76.19 53.43 41.95
Loan Loss Provision/ NCO 581.52 65.61 25.64 13.30 98.27
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 72,893 68,574 63,455 60,631 56,922
Tier 1 Capital($000) 77,893 73,574 68,455 65,631 61,922
Tier 2 Capital($000) 4,725 4,282 4,661 4,952 5,277
Total Capital($000) 82,618 77,856 73,116 70,583 67,199
Total Risk-weighted Assets($000) 574,413 570,974 530,117 467,405 445,390
Tier 1 Common Capital (CET1) Ratio(%) 12.69 12.01 11.97 12.97 12.78
Tier 1 Ratio(%) 13.56 12.88 12.91 14.04 13.90
Total Capital Ratio(%) 14.38 13.63 13.79 15.10 15.09
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.23 10.72 10.77 10.46 10.62
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 4,378,723 4,349,624 4,420,136 4,420,255 4,404,783
Avg Diluted Shares(actual) 4,349,137 4,364,234 4,411,474 4,407,269 4,497,825
Basic Book Value per Share 16.93 14.92 13.94 13.05 12.87
Book Value per Share, As Reported 16.93 14.92 13.94 13.05 12.87
Basic Tangible Book Value per Share 16.93 14.92 13.94 13.05 12.87
Tangible Book Value per Share, As Reported 16.93 14.92 13.94 13.05 12.87
Common Dividends Declared per Share 0.38 0.49 0.39 0.28 0.24
EPS after Extra 1.24 2.03 0.99 1.11 0.97
EPS after Extra Growth(%) (20.50) 105.10 (10.80) 14.40 14.10
Core EPS 1.24 1.75 1.14 1.08 0.96
Core EPS Growth(%) (3.50) 53.80 5.90 12.30 25.20
Diluted EPS before Amortization 1.24 2.03 0.99 1.11 0.97
Pre-Provision Earnings per Share 1.25 1.71 0.88 0.86 0.86
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