Financial Highlights

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Financial Highlights
2016 FY
12/31/2016
2017 FY
12/31/2017
2018 FY
12/31/2018
2019 FY
12/31/2019
2020 FQ1 YTD
3/31/2020
Balance Sheet ($000)
Total Assets 902,966 981,826 1,038,183 1,054,488 1,065,277
Total Net Loans 595,637 729,871 764,377 738,795 752,859
Total Deposits 784,502 783,594 843,144 889,496 902,536
Equity Attributable to Parent Company 93,990 96,388 102,006 109,756 110,044
Total Equity 93,990 96,388 102,006 109,756 110,044
Profitability (%)
Net Income($000) 3,797 (29) 4,919 7,860 1,250
Net Income Attributable to Parent($000) 3,797 (29) 4,919 7,860 1,250
ROAA 0.43 0 0.48 0.76 0.47
Core ROAA 0.39 0.33 0.53 0.74 0.48
ROAE 3.99 (0.03) 4.93 7.33 4.46
ROATCE 3.99 (0.03) 5.03 7.50 4.58
Core ROAE 3.63 3.22 5.47 7.13 4.50
Net Interest Margin 3.66 3.64 3.62 3.61 3.51
Reported: Net Interest Margin 3.66 3.64 3.62 3.61 3.53
Efficiency Ratio 84.06 81.82 80.33 80.69 85.41
Noninterest Inc/ Operating Rev 30.97 29.73 28.40 28.92 28.03
Balance Sheet Ratios (%)
Loans/ Deposits 76.98 94.25 91.80 84.08 84.23
Securities/ Assets 22.19 16.39 14.65 14.10 14.62
Total Equity/ Total Assets 10.41 9.82 9.83 10.41 10.33
Tangible Equity/ Tangible Assets 10.41 9.76 9.65 10.24 10.16
Tang Common Equity/ Tang Assets 10.41 9.76 9.65 10.24 10.16
Asset Quality (%)
NPAs/ Assets 1.91 1.96 1.56 0.80 0.76
NPA Excl Restructured/ Assets 0.91 1.31 1.18 0.57 0.54
NPAs & 90+ PD/ Assets 1.94 2.05 1.63 0.82 0.79
NPAs/ Loans & REO 2.85 2.61 2.09 1.13 1.06
Nonaccrual & 90+ & OREO/ Assets 0.94 1.40 1.25 0.59 0.57
NPAs & 90+ PD/ Loans & REO 2.90 2.73 2.19 1.16 1.10
NPA & Loans 90+/ Tangible Common Equity + LLR 17.14 19.17 15.42 7.37 7.16
NCOs/ Avg Loans 0.24 0.44 0.29 0.10 0.15
Loan Loss Reserves/ Gross Loans 1.37 1.28 1.31 1.29 1.27
Reserves/ NPAs 47.81 48.97 62.50 114.41 119.50
Loan Loss Provision/ NCO 135.63 140.68 130.16 41.35 103.09
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 98,198 96,474 NA NA NA
Tier 1 Capital($000) 98,198 96,474 NA NA NA
Tier 2 Capital($000) 8,245 9,555 NA NA NA
Total Capital($000) 106,443 106,029 NA NA NA
Total Risk-weighted Assets($000) 733,368 863,187 NA NA NA
Tier 1 Common Capital (CET1) Ratio(%) 13.39 11.18 11.44 NA NA
Tier 1 Ratio(%) 13.39 11.18 11.44 NA NA
Total Capital Ratio(%) 14.51 12.28 12.59 NA NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.68 9.98 9.77 NA NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 4,961,258 5,019,703 5,184,289 5,200,038 5,200,606
Avg Diluted Shares(actual) 4,960,934 4,991,060 5,141,429 5,196,853 5,200,989
Basic Book Value per Share 18.94 19.20 19.68 21.11 21.16
Book Value per Share, As Reported 18.94 19.20 19.68 21.11 21.21
Basic Tangible Book Value per Share 18.94 19.08 19.28 20.72 20.77
Tangible Book Value per Share, As Reported 18.94 19.08 19.28 NA NA
Common Dividends Declared per Share 0.40 0.44 0.44 0.48 0.12
EPS after Extra 0.77 (0.01) 0.96 1.51 0.24
EPS after Extra Growth(%) 5.50 NM NM 57.30 (38.50)
Core EPS 0.70 1.07 1.06 1.47 0.24
Core EPS Growth(%) (2.70) 52.70 (0.60) 38 (37.60)
Diluted EPS before Amortization 0.77 (0.01) 0.97 1.52 0.24
Pre-Provision Earnings per Share 0.71 1.56 1.34 1.36 0.25
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