Financial Highlights

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Financial Highlights
2015 FY
12/31/2015
2016 FY
12/31/2016
2017 FY
12/31/2017
2018 FY
12/31/2018
2019 FQ2 YTD
6/30/2019
Balance Sheet ($000)
Total Assets 896,787 902,966 981,826 1,038,183 1,029,404
Total Net Loans 560,737 595,637 729,871 764,377 751,175
Total Deposits 746,471 784,502 783,594 843,144 847,784
Equity Attributable to Parent Company 93,176 93,990 96,388 102,006 107,425
Total Equity 93,176 93,990 96,388 102,006 107,425
Profitability (%)
Net Income($000) 3,634 3,797 (29) 4,919 3,653
Net Income Attributable to Parent($000) 3,634 3,797 (29) 4,919 3,653
ROAA 0.41 0.43 0 0.48 0.71
Core ROAA 0.41 0.39 0.33 0.53 0.71
ROAE 4.02 3.99 (0.03) 4.93 6.96
ROATCE 4.02 3.99 (0.03) 5.03 7.13
Core ROAE 3.97 3.63 3.22 5.47 6.95
Net Interest Margin 3.56 3.66 3.64 3.62 3.65
Reported: Net Interest Margin 3.56 3.66 3.64 3.62 3.68
Efficiency Ratio 83.51 84.06 81.82 80.33 78.20
Noninterest Inc/ Operating Rev 31.58 30.97 29.73 28.32 29.19
Balance Sheet Ratios (%)
Loans/ Deposits 76.16 76.98 94.25 91.80 89.78
Securities/ Assets 24.11 22.19 16.39 14.65 14.47
Total Equity/ Total Assets 10.39 10.41 9.82 9.83 10.44
Tangible Equity/ Tangible Assets 10.39 10.41 9.76 9.65 10.26
Tang Common Equity/ Tang Assets 10.39 10.41 9.76 9.65 10.26
Asset Quality (%)
NPAs/ Assets 1.79 1.91 1.96 1.56 1.42
NPA Excl Restructured/ Assets 0.82 0.91 1.31 1.18 1.09
NPAs & 90+ PD/ Assets 1.81 1.94 2.05 1.63 1.45
NPAs/ Loans & REO 2.80 2.85 2.61 2.09 1.92
Nonaccrual & 90+ & OREO/ Assets 0.84 0.94 1.40 1.25 1.12
NPAs & 90+ PD/ Loans & REO 2.84 2.90 2.73 2.19 1.96
NPA & Loans 90+/ Tangible Common Equity + LLR 16.06 17.14 19.17 15.42 12.87
NCOs/ Avg Loans 0.06 0.24 0.44 0.29 0.10
Loan Loss Reserves/ Gross Loans 1.36 1.37 1.28 1.31 1.41
Reserves/ NPAs 48.32 47.81 48.97 62.50 73.56
Loan Loss Provision/ NCO 283.15 135.63 140.68 130.16 276.02
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 96,338 98,198 96,474 NA NA
Tier 1 Capital($000) 96,338 98,198 96,474 NA NA
Tier 2 Capital($000) 7,738 8,245 9,555 NA NA
Total Capital($000) 104,076 106,443 106,029 NA NA
Total Risk-weighted Assets($000) 699,115 733,368 863,187 NA NA
Tier 1 Common Capital (CET1) Ratio(%) 13.78 13.39 11.18 11.44 NA
Tier 1 Ratio(%) 13.78 13.39 11.18 11.44 NA
Total Capital Ratio(%) 14.89 14.51 12.28 12.59 NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.93 10.68 9.98 9.77 NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 4,959,009 4,961,258 5,019,703 5,184,289 5,202,850
Avg Diluted Shares(actual) 4,959,009 4,960,934 4,991,060 5,141,429 5,194,594
Basic Book Value per Share 18.79 18.94 19.20 19.68 20.65
Book Value per Share, As Reported 18.79 18.94 19.20 19.68 20.75
Basic Tangible Book Value per Share 18.79 18.94 19.08 19.28 20.26
Tangible Book Value per Share, As Reported 18.79 18.94 19.08 19.28 NA
Common Dividends Declared per Share 0.34 0.40 0.44 0.44 0.24
EPS after Extra 0.73 0.77 (0.01) 0.96 0.70
EPS after Extra Growth(%) (12) 5.50 NM NM 84.20
Core EPS 0.72 0.70 1.07 1.06 0.70
Core EPS Growth(%) (13.20) (2.70) 52.70 (0.60) 48
Diluted EPS before Amortization 0.73 0.77 (0.01) 0.97 0.70
Pre-Provision Earnings per Share 0.61 0.71 1.56 1.34 0.77
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