Financial Highlights
 
Financial Highlights
2020 FQ1 YTD
3/31/2020
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 712,650 737,162 714,666 711,101 655,184
Total Net Loans 481,863 519,141 511,234 485,692 419,454
Total Deposits 593,256 618,381 604,419 585,851 539,850
Equity Attributable to Parent Company 73,209 74,338 64,918 61,630 57,670
Total Equity 73,209 74,338 64,918 61,630 57,670
Profitability (%)
Net Income($000) 1,371 7,282 8,835 4,350 4,871
Net Income Attributable to Parent($000) 1,371 7,282 8,835 4,350 4,871
ROAA 0.77 1.04 1.31 0.68 0.80
Core ROAA 0.77 1.04 1.13 0.79 0.78
ROAE 6.89 10.32 14.36 7.25 8.27
ROATCE 6.89 10.32 14.36 7.25 8.27
Core ROAE 6.89 10.31 12.40 8.35 8.02
Net Interest Margin 3.54 3.78 3.76 3.59 3.64
Reported: Net Interest Margin 3.56 3.79 3.76 3.59 3.63
Efficiency Ratio 68.54 67.01 64.83 73.41 72.72
Noninterest Inc/ Operating Rev 20.29 17.23 15.13 16.77 17.34
Balance Sheet Ratios (%)
Loans/ Deposits 81.29 83.88 85.11 83.21 77.76
Securities/ Assets 18.75 18.85 19.52 22.84 27.35
Total Equity/ Total Assets 10.27 10.08 9.08 8.67 8.80
Tangible Equity/ Tangible Assets 10.27 10.08 9.08 8.67 8.80
Tang Common Equity/ Tang Assets 10.27 10.08 9.08 8.67 8.80
Asset Quality (%)
NPAs/ Assets 1.15 1.16 1.42 0.85 1.39
NPA Excl Restructured/ Assets 0.30 0.32 0.31 0.25 0.55
NPAs & 90+ PD/ Assets 1.15 1.16 1.42 0.85 1.39
NPAs/ Loans & REO 1.69 1.63 1.97 1.22 2.14
Nonaccrual & 90+ & OREO/ Assets 0.30 0.32 0.31 0.25 0.55
NPAs & 90+ PD/ Loans & REO 1.69 1.63 1.97 1.22 2.14
NPA & Loans 90+/ Tangible Common Equity + LLR 10.51 10.84 14.67 9.08 14.57
NCOs/ Avg Loans (0.02) 0.09 0.23 0.09 0.10
Loan Loss Reserves/ Gross Loans 1.04 0.85 0.81 0.93 1.15
Reserves/ NPAs 61.81 52.25 41.40 76.19 53.43
Loan Loss Provision/ NCO NM 159.60 65.61 25.64 13.30
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 70,808 73,091 68,574 63,455 60,631
Tier 1 Capital($000) 75,808 78,091 73,574 68,455 65,631
Tier 2 Capital($000) 5,170 4,549 4,282 4,661 4,952
Total Capital($000) 80,978 82,640 77,856 73,116 70,583
Total Risk-weighted Assets($000) 575,207 572,813 570,974 530,117 467,405
Tier 1 Common Capital (CET1) Ratio(%) 12.31 12.76 12.01 11.97 12.97
Tier 1 Ratio(%) 13.18 13.63 12.88 12.91 14.04
Total Capital Ratio(%) 14.08 14.43 13.63 13.79 15.10
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.65 10.98 10.72 10.77 10.46
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 4,227,755 4,323,822 4,349,624 4,420,136 4,420,255
Avg Diluted Shares(actual) 4,246,119 4,349,473 4,364,234 4,411,474 4,407,269
Basic Book Value per Share 17.32 17.19 14.92 13.94 13.05
Book Value per Share, As Reported 17.32 17.19 14.92 13.94 13.05
Basic Tangible Book Value per Share 17.32 17.19 14.92 13.94 13.05
Tangible Book Value per Share, As Reported 17.32 17.19 14.92 13.94 13.05
Common Dividends Declared per Share 0.19 0.50 0.49 0.39 0.28
EPS after Extra 0.32 1.68 2.03 0.99 1.11
EPS after Extra Growth(%) (34.70) (17.20) 105.10 (10.80) 14.40
Core EPS 0.32 1.68 1.75 1.14 1.08
Core EPS Growth(%) (33.40) (4.20) 53.80 5.90 12.30
Diluted EPS before Amortization 0.32 1.68 2.03 0.99 1.11
Pre-Provision Earnings per Share 0.40 1.70 1.71 0.88 0.86
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