Financial Highlights
 
Financial Highlights
2020 FQ2 YTD
6/30/2020
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 780,017 737,162 714,666 711,101 655,184
Total Net Loans 527,140 519,141 511,234 485,692 419,454
Total Deposits 648,417 618,381 604,419 585,851 539,850
Equity Attributable to Parent Company 75,772 74,338 64,918 61,630 57,670
Total Equity 75,772 74,338 64,918 61,630 57,670
Profitability (%)
Net Income($000) 3,303 7,282 8,835 4,350 4,871
Net Income Attributable to Parent($000) 3,303 7,282 8,835 4,350 4,871
ROAA 0.89 1.04 1.31 0.68 0.80
Core ROAA 0.88 1.04 1.13 0.79 0.78
ROAE 8.60 10.32 14.36 7.25 8.27
ROATCE 8.60 10.32 14.36 7.25 8.27
Core ROAE 8.57 10.31 12.40 8.35 8.02
Net Interest Margin 3.36 3.78 3.76 3.59 3.64
Reported: Net Interest Margin 3.37 3.79 3.76 3.59 3.63
Efficiency Ratio 65.04 67.01 64.83 73.41 72.72
Noninterest Inc/ Operating Rev 21.77 17.23 15.13 16.77 17.34
Balance Sheet Ratios (%)
Loans/ Deposits 81.44 83.88 85.11 83.21 77.76
Securities/ Assets 21.28 18.85 19.52 22.84 27.35
Total Equity/ Total Assets 9.71 10.08 9.08 8.67 8.80
Tangible Equity/ Tangible Assets 9.71 10.08 9.08 8.67 8.80
Tang Common Equity/ Tang Assets 9.71 10.08 9.08 8.67 8.80
Asset Quality (%)
NPAs/ Assets 1.02 1.16 1.42 0.85 1.39
NPA Excl Restructured/ Assets 0.27 0.32 0.31 0.25 0.55
NPAs & 90+ PD/ Assets 1.02 1.16 1.42 0.85 1.39
NPAs/ Loans & REO 1.49 1.63 1.97 1.22 2.14
Nonaccrual & 90+ & OREO/ Assets 0.27 0.32 0.31 0.25 0.55
NPAs & 90+ PD/ Loans & REO 1.49 1.63 1.97 1.22 2.14
NPA & Loans 90+/ Tangible Common Equity + LLR 9.74 10.84 14.67 9.08 14.57
NCOs/ Avg Loans 0 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 69.71 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) 72,191 73,091 68,574 63,455 60,631
Tier 1 Capital($000) 77,191 78,091 73,574 68,455 65,631
Tier 2 Capital($000) 5,604 4,549 4,282 4,661 4,952
Total Capital($000) 82,795 82,640 77,856 73,116 70,583
Total Risk-weighted Assets($000) 574,312 572,813 570,974 530,117 467,405
Tier 1 Common Capital (CET1) Ratio(%) 12.57 12.76 12.01 11.97 12.97
Tier 1 Ratio(%) 13.44 13.63 12.88 12.91 14.04
Total Capital Ratio(%) 14.41 14.43 13.63 13.79 15.10
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10 10.98 10.72 10.77 10.46
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 4,223,153 4,323,822 4,349,624 4,420,136 4,420,255
Avg Diluted Shares(actual) 4,213,297 4,349,473 4,364,234 4,411,474 4,407,269
Basic Book Value per Share 17.94 17.19 14.92 13.94 13.05
Book Value per Share, As Reported 17.94 17.19 14.92 13.94 13.05
Basic Tangible Book Value per Share 17.94 17.19 14.92 13.94 13.05
Tangible Book Value per Share, As Reported 17.94 17.19 14.92 13.94 13.05
Common Dividends Declared per Share 0.33 0.50 0.49 0.39 0.28
EPS after Extra 0.79 1.68 2.03 0.99 1.11
EPS after Extra Growth(%) 0 (17.20) 105.10 (10.80) 14.40
Core EPS 0.79 1.68 1.75 1.14 1.08
Core EPS Growth(%) (0.20) (4.20) 53.80 5.90 12.30
Diluted EPS before Amortization 0.79 1.68 2.03 0.99 1.11
Pre-Provision Earnings per Share 0.93 1.70 1.71 0.88 0.86
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