Financial Highlights
2020 FQ3 YTD
9/30/2020
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 1,930,836 1,718,942 1,579,157 1,455,496 1,189,906
Total Net Loans 1,591,054 1,409,163 1,289,078 1,157,118 960,835
Total Deposits 1,493,440 1,250,114 1,207,687 1,043,137 945,723
Equity Attributable to Parent Company 169,234 160,709 138,488 118,105 106,291
Total Equity 169,234 160,709 138,488 118,105 106,291
Profitability (%)
Net Income($000) 16,299 23,653 21,919 12,893 13,209
Net Income Attributable to Parent($000) 16,299 23,653 21,919 12,893 13,209
ROAA 1.26 1.54 1.53 1.02 1.17
Core ROAA 1.27 1.48 1.56 1.16 1.01
ROAE 13.17 15.86 17.10 11.41 15.37
ROATCE NA 16.13 17.39 11.57 15.65
Core ROAE 13.29 15.25 17.37 13 13.34
Net Interest Margin 3.80 3.95 3.97 3.83 3.58
Reported: Net Interest Margin 3.81 3.95 3.97 3.83 3.58
Efficiency Ratio 50.97 52.59 52.44 55.21 59.13
Noninterest Inc/ Operating Rev 15.86 12.73 14.26 15.18 17.95
Balance Sheet Ratios (%)
Loans/ Deposits 107.61 112.95 107.10 110.04 101.37
Securities/ Assets 3.25 4.70 4.72 5.68 5.68
Total Equity/ Total Assets 8.76 9.35 8.77 8.11 8.93
Tangible Equity/ Tangible Assets NA 9.22 8.62 8.02 8.82
Tang Common Equity/ Tang Assets NA 9.22 8.62 8.02 8.82
Asset Quality (%)
NPAs/ Assets 0.50 0.47 0.48 0.29 0.69
NPA Excl Restructured/ Assets 0.46 0.43 0.43 0.23 0.69
NPAs & 90+ PD/ Assets 0.50 0.52 0.49 0.29 0.69
NPAs/ Loans & REO 0.59 0.56 0.58 0.36 0.84
Nonaccrual & 90+ & OREO/ Assets 0.46 0.48 0.44 0.24 0.69
NPAs & 90+ PD/ Loans & REO 0.59 0.63 0.59 0.36 0.84
NPA & Loans 90+/ Tangible Common Equity + LLR NA 5.12 5.07 3.26 7.01
NCOs/ Avg Loans 0.01 0.09 0.01 0.06 0.15
Loan Loss Reserves/ Gross Loans 1.38 1.15 1.19 1.16 1.29
Reserves/ NPAs 232.60 204.48 204.19 324.38 152.90
Loan Loss Provision/ NCO NM 176.03 NM 245.17 87.14
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA NA NA 115,906 104,408
Tier 1 Capital($000) NA NA NA 125,906 114,408
Tier 2 Capital($000) NA NA NA 12,025 11,390
Total Capital($000) NA NA NA 137,931 125,798
Total Risk-weighted Assets($000) NA NA NA 1,071,830 909,778
Tier 1 Common Capital (CET1) Ratio(%) NA 11.59 11.40 10.81 11.49
Tier 1 Ratio(%) NA 12.32 12.24 11.75 12.58
Total Capital Ratio(%) NA 13.06 13.49 12.87 13.84
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.95 10.59 9.90 9.37 9.73
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 10,570,000 10,880,603 10,780,000 10,614,672 10,477,405
Avg Diluted Shares(actual) 10,875,000 11,029,000 10,916,000 10,749,000 9,572,000
Basic Book Value per Share 16.01 14.77 12.85 11.13 10.14
Book Value per Share, As Reported 16.01 14.77 12.85 11.13 10.14
Basic Tangible Book Value per Share NA 14.55 12.61 10.98 10
Tangible Book Value per Share, As Reported NA 14.63 12.71 10.98 10
Common Dividends Declared per Share 0.24 0.31 0.27 0.23 0.17
EPS after Extra 1.50 2.14 2.01 1.20 1.38
EPS after Extra Growth(%) (5.70) 6.50 67.50 (13) 35.50
Core EPS 1.51 2.06 2.04 1.37 1.20
Core EPS Growth(%) (0.40) 0.80 49.40 14.10 17.80
Diluted EPS before Amortization NA 2.14 2.01 1.20 1.38
Pre-Provision Earnings per Share 1.99 2.24 2.16 1.46 1.29
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