Financial Highlights
 
Financial Highlights
2019 FQ1 YTD
3/31/2019
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 685,496 714,666 711,101 655,184 612,443
Total Net Loans 480,294 511,234 485,692 419,454 393,093
Total Deposits 571,576 604,419 585,851 539,850 496,404
Equity Attributable to Parent Company 68,319 64,918 61,630 57,670 56,684
Total Equity 68,319 64,918 61,630 57,670 56,684
Profitability (%)
Net Income($000) 2,105 8,835 4,350 4,871 4,378
Net Income Attributable to Parent($000) 2,105 8,835 4,350 4,871 4,378
ROAA 1.22 1.31 0.68 0.80 0.77
Core ROAA 1.19 1.13 0.79 0.78 0.76
ROAE 12.75 14.36 7.25 8.27 7.73
ROATCE 12.75 14.36 7.25 8.27 7.73
Core ROAE 12.51 12.40 8.35 8.02 7.65
Net Interest Margin 3.89 3.76 3.59 3.64 3.65
Reported: Net Interest Margin 3.90 3.76 3.59 3.63 3.65
Efficiency Ratio 63.70 64.83 73.41 72.72 70.46
Noninterest Inc/ Operating Rev 15.63 15.13 16.77 17.34 17.16
Balance Sheet Ratios (%)
Loans/ Deposits 84.38 85.11 83.21 77.76 79.42
Securities/ Assets 20.27 19.52 22.84 27.35 26.46
Total Equity/ Total Assets 9.97 9.08 8.67 8.80 9.26
Tangible Equity/ Tangible Assets 9.97 9.08 8.67 8.80 9.26
Tang Common Equity/ Tang Assets 9.97 9.08 8.67 8.80 9.26
Asset Quality (%)
NPAs/ Assets 1.28 1.42 0.85 1.39 2.02
NPA Excl Restructured/ Assets 0.30 0.31 0.25 0.55 0.93
NPAs & 90+ PD/ Assets 1.28 1.42 0.85 1.39 2.02
NPAs/ Loans & REO 1.81 1.97 1.22 2.14 3.10
Nonaccrual & 90+ & OREO/ Assets 0.30 0.31 0.25 0.55 0.93
NPAs & 90+ PD/ Loans & REO 1.81 1.97 1.22 2.14 3.10
NPA & Loans 90+/ Tangible Common Equity + LLR 12.09 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 0.90 0.81 0.93 1.15 1.30
Reserves/ NPAs 49.39 41.40 76.19 53.43 41.95
Loan Loss Provision/ NCO 530.30 65.61 25.64 13.30 98.27
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 70,097 68,574 63,455 60,631 56,922
Tier 1 Capital($000) 75,097 73,574 68,455 65,631 61,922
Tier 2 Capital($000) 4,423 4,282 4,661 4,952 5,277
Total Capital($000) 79,520 77,856 73,116 70,583 67,199
Total Risk-weighted Assets($000) 586,586 570,974 530,117 467,405 445,390
Tier 1 Common Capital (CET1) Ratio(%) 11.95 12.01 11.97 12.97 12.78
Tier 1 Ratio(%) 12.80 12.88 12.91 14.04 13.90
Total Capital Ratio(%) 13.56 13.63 13.79 15.10 15.09
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.79 10.72 10.77 10.46 10.62
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 4,352,394 4,349,624 4,420,136 4,420,255 4,404,783
Avg Diluted Shares(actual) 4,336,241 4,364,234 4,411,474 4,407,269 4,497,825
Basic Book Value per Share 15.70 14.92 13.94 13.05 12.87
Book Value per Share, As Reported 15.70 14.92 13.94 13.05 12.87
Basic Tangible Book Value per Share 15.70 14.92 13.94 13.05 12.87
Tangible Book Value per Share, As Reported 15.70 14.92 13.94 13.05 12.87
Common Dividends Declared per Share 0.16 0.49 0.39 0.28 0.24
EPS after Extra 0.49 2.03 0.99 1.11 0.97
EPS after Extra Growth(%) 40 105.10 (10.80) 14.40 14.10
Core EPS 0.48 1.75 1.14 1.08 0.96
Core EPS Growth(%) 38.80 53.80 5.90 12.30 25.20
Diluted EPS before Amortization 0.49 2.03 0.99 1.11 0.97
Pre-Provision Earnings per Share 0.48 1.71 0.88 0.86 0.86
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