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Financial Highlights

Financial Highlights
2020 FQ1 YTD
3/31/2020
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 810,041 818,683 731,722 707,063 669,978
Total Net Loans 548,456 545,238 543,175 511,472 470,158
Total Deposits 671,162 683,546 606,498 583,259 540,785
Equity Attributable to Parent Company 87,629 85,476 76,536 70,532 65,415
Total Equity 87,629 85,476 76,536 70,532 65,415
Profitability (%)
Net Income($000) 2,483 10,414 9,412 7,101 6,738
Net Income Attributable to Parent($000) 2,483 10,414 9,412 7,101 6,738
ROAA 1.22 1.36 1.31 1.02 1.03
Core ROAA 1.23 1.37 1.33 1.05 1.05
ROAE 11.40 12.77 12.89 10.33 10.44
ROATCE 12.13 13.65 13.95 11.27 11.49
Core ROAE 11.51 12.82 13.01 10.59 10.63
Net Interest Margin 3.65 3.97 3.98 3.80 3.67
Reported: Net Interest Margin 3.67 3.97 3.98 3.80 3.67
Efficiency Ratio 60.08 58 58.17 58.96 59.98
Noninterest Inc/ Operating Rev 16.39 16.02 15.12 15.07 16.44
Balance Sheet Ratios (%)
Loans/ Deposits 82.74 80.70 90.52 88.61 87.92
Securities/ Assets 15.33 15.97 15.16 18.12 19.76
Total Equity/ Total Assets 10.82 10.44 10.46 9.98 9.76
Tangible Equity/ Tangible Assets 10.28 9.91 9.86 9.33 9.07
Tang Common Equity/ Tang Assets 10.28 9.91 9.86 9.33 9.07
Asset Quality (%)
NPAs/ Assets 0.68 0.67 0.43 0.62 1.72
NPA Excl Restructured/ Assets 0.41 0.40 0.25 0.33 0.22
NPAs & 90+ PD/ Assets 0.68 0.70 0.46 0.68 1.76
NPAs/ Loans & REO 0.99 0.99 0.58 0.85 2.43
Nonaccrual & 90+ & OREO/ Assets 0.41 0.43 0.27 0.39 0.25
NPAs & 90+ PD/ Loans & REO 0.99 1.04 0.61 0.93 2.48
NPA & Loans 90+/ Tangible Common Equity + LLR 6.11 6.54 4.33 6.79 17.95
NCOs/ Avg Loans 0.05 0.01 0.19 0.17 (0.03)
Loan Loss Reserves/ Gross Loans 1.28 1.27 1.08 1.08 1.11
Reserves/ NPAs 129.69 127.79 185.64 127.71 45.86
Loan Loss Provision/ NCO 237.33 NM 129.91 137.62 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 80,573 73,053 66,203 61,246
Tier 1 Capital($000) NA 80,573 73,053 66,203 61,246
Tier 2 Capital($000) NA 7,025 5,915 5,612 5,299
Total Capital($000) NA 87,598 78,968 71,815 66,545
Total Risk-weighted Assets($000) NA 565,425 543,954 521,283 486,852
Tier 1 Common Capital (CET1) Ratio(%) 14.50 14.25 13.43 12.70 12.58
Tier 1 Ratio(%) 14.50 14.25 13.43 12.70 12.58
Total Capital Ratio(%) 15.70 15.50 14.52 13.78 13.67
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.20 9.98 10.07 9.31 9.30
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 2,742,350 2,742,350 2,742,242 2,742,242 2,742,242
Avg Diluted Shares(actual) 2,742,350 2,742,296 2,742,242 2,742,242 2,742,028
Basic Book Value per Share 31.95 31.17 27.91 25.72 23.85
Book Value per Share, As Reported 31.95 31.17 27.91 25.72 23.85
Basic Tangible Book Value per Share 30.20 29.41 26.12 23.90 21.99
Tangible Book Value per Share, As Reported NA 29.41 26.13 23.90 21.99
Common Dividends Declared per Share 0.28 1.08 0.98 0.84 0.78
EPS after Extra 0.91 3.80 3.43 2.59 2.46
EPS after Extra Growth(%) (2.20) 10.80 32.40 5.30 11.80
Core EPS 0.92 3.82 3.46 2.65 2.50
Core EPS Growth(%) (1.60) 10.20 30.40 6 13
Diluted EPS before Amortization 0.92 3.82 3.47 2.63 2.50
Pre-Provision Earnings per Share 0.95 4.05 3.74 2.72 2.44
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