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Financial Highlights
2019 FQ1
3/31/2019
2018 FQ1
3/31/2018
Y-Y Ch (%)
2018 FQ4
12/31/2018
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 1,316,996 983,929 33.85 1,318,040 (0.32)
Total Net Loans 1,040,274 807,340 28.85 1,033,681 2.55
Total Deposits 1,097,248 806,797 36 1,097,537 (0.11)
Equity Attributable to Parent Company 154,746 81,857 89.04 152,069 7.04
Total Equity 154,746 81,857 89.04 152,069 7.04
Profitability (%)
Net Income($000) 3,167 1,537 106.05 3,365 (23.54)
Net Income Attributable to Parent($000) 3,167 1,537 106.05 3,365 (23.54)
ROAA 0.96 0.63 33 bp 1.02 (6) bp
Core ROAA 1 0.73 27 bp 1.18 (18) bp
ROAE 8.24 7.51 73 bp 9.02 (78) bp
ROATCE 10.37 8.54 183 bp 11.39 (102) bp
Core ROAE 8.59 8.72 (13) bp 10.42 (183) bp
Net Interest Margin 4.51 4.15 36 bp 4.68 (17) bp
Reported: Net Interest Margin 4.57 4.21 36 bp 4.64 (7) bp
Efficiency Ratio 69.66 76.08 (642) bp 64.75 491 bp
Noninterest Inc/ Operating Rev 7.78 6.19 159 bp 9.47 (169) bp
Balance Sheet Ratios (%)
Loans/ Deposits 95.28 100.70 (542) bp 94.65 63 bp
Securities/ Assets 8.99 7.83 116 bp 9.23 (24) bp
Total Equity/ Total Assets 11.75 8.32 343 bp 11.54 21 bp
Tangible Equity/ Tangible Assets 10.06 7.61 245 bp 9.64 42 bp
Tang Common Equity/ Tang Assets 10.06 7.61 245 bp 9.64 42 bp
Asset Quality (%)
NPAs/ Assets 0.97 1.22 (25) bp 0.99 (2) bp
NPA Excl Restructured/ Assets 0.57 0.70 (13) bp 0.62 (5) bp
NPAs & 90+ PD/ Assets 0.97 1.22 (25) bp 0.99 (2) bp
NPAs/ Loans & REO 1.22 1.47 (25) bp 1.25 (3) bp
Nonaccrual & 90+ & OREO/ Assets 0.57 0.70 (13) bp 0.62 (5) bp
NPAs & 90+ PD/ Loans & REO 1.22 1.47 (25) bp 1.25 (3) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 9.47 15.12 (565) bp 10.06 (59) bp
NCOs/ Avg Loans 0.05 0.01 4 bp 0.12 (7) bp
Loan Loss Reserves/ Gross Loans 0.49 0.63 (14) bp 0.50 (1) bp
Reserves/ NPAs 40.28 42.48 (220) bp 39.84 44 bp
Loan Loss Provision/ NCO 77.52 178.57 (10,105) bp 99.01 (2,149) bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 122,872 70,310 74.76 119,024 12.93
Tier 1 Capital($000) 122,872 70,310 74.76 119,024 12.93
Tier 2 Capital($000) 5,154 5,101 1.04 5,183 (2.24)
Total Capital($000) 128,026 75,411 69.77 124,207 12.30
Total Risk-weighted Assets($000) 1,007,148 799,954 25.90 996,017 4.47
Tier 1 Common Capital (CET1) Ratio(%) 12.20 8.79 341 bp 11.95 25 bp
Tier 1 Ratio(%) 12.20 8.79 341 bp 11.95 25 bp
Total Capital Ratio(%) 12.70 9.43 327 bp 12.47 23 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.50 7.25 225 bp 9.24 26 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 10,740,712 6,332,560 69.61 10,712,745 1.04
Avg Diluted Shares(actual) 10,723,921 6,330,210 69.41 10,741,753 (0.66)
Basic Book Value per Share 14.41 12.93 11.45 14.20 5.92
Book Value per Share, As Reported 14.41 12.93 11.45 14.20 5.92
Basic Tangible Book Value per Share 12.10 11.73 3.15 11.61 16.88
Tangible Book Value per Share, As Reported 12.10 11.73 3.15 11.61 16.88
Common Dividends Declared per Share 0.12 0.12 0 0.12 0
EPS after Extra 0.30 0.24 25 0.34 (47.06)
EPS after Extra Growth(%) 25 (14.30) 3,929 bp NM NM
Core EPS 0.31 0.28 10.71 0.39 (82.05)
Core EPS Growth(%) 12.20 (2.70) 1,482 bp NM NM
Diluted EPS before Amortization 0.32 0.25 28 0.36 (44.44)
Pre-Provision Earnings per Share 0.31 0.28 10.71 0.40 (90)

   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.


Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.

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