1. Home » 
  2. Investor Relations » 
  3. Financial Information » 
  4. Financial Highlights

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 1,035,841 1,013,272 1,030,493 1,026,290 954,640
Total Net Loans 766,357 766,502 770,324 761,820 727,202
Total Deposits 845,879 821,471 846,704 856,724 790,452
Equity Attributable to Parent Company 130,496 128,179 117,874 109,361 104,528
Total Equity 130,496 128,179 117,874 109,361 104,528
Profitability (%)
Net Income($000) 1,002 9,907 11,944 7,509 6,920
Net Income Attributable to Parent($000) 1,002 9,907 11,944 7,509 6,920
ROAA 0.39 0.96 1.12 0.74 0.77
Core ROAA (0.41) 0.88 1.13 0.90 0.84
ROAE 3.10 8.10 10.63 6.95 7.05
ROATCE 3.33 8.78 11.52 7.60 7.37
Core ROAE (3.25) 7.42 10.73 8.40 7.71
Net Interest Margin 4.28 4.51 4.43 4.49 4.40
Reported: Net Interest Margin 4.34 4.51 4.43 4.49 4.40
Efficiency Ratio 79.27 75.84 69.03 69.57 69.04
Noninterest Inc/ Operating Rev 16.16 15.63 17.84 17.92 19.33
Balance Sheet Ratios (%)
Loans/ Deposits 91.61 94.07 91.76 89.80 92.27
Securities/ Assets 12.70 12.32 12.18 12.30 12.85
Total Equity/ Total Assets 12.60 12.65 11.44 10.66 10.95
Tangible Equity/ Tangible Assets 11.96 12 10.77 9.96 10.15
Tang Common Equity/ Tang Assets 11.96 12 10.77 9.96 10.15
Asset Quality (%)
NPAs/ Assets 1.57 1.80 1.65 2.58 2.55
NPA Excl Restructured/ Assets 0.82 0.96 0.88 1.14 1.16
NPAs & 90+ PD/ Assets 1.76 1.89 1.75 2.61 2.58
NPAs/ Loans & REO 2.10 2.36 2.19 3.43 3.30
Nonaccrual & 90+ & OREO/ Assets 1.01 1.04 0.99 1.17 1.20
NPAs & 90+ PD/ Loans & REO 2.35 2.47 2.32 3.48 3.34
NPA & Loans 90+/ Tangible Common Equity + LLR 13.84 15.07 15.46 24.59 23.74
NCOs/ Avg Loans 0.74 0.19 0.23 0.37 0.28
Loan Loss Reserves/ Gross Loans 1.13 0.81 0.87 0.97 1.05
Reserves/ NPAs 53.73 34.38 39.59 28.33 31.68
Loan Loss Provision/ NCO 276.89 68.68 57.40 92.76 159.21
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 120,158 112,259 102,457 97,316
Tier 1 Capital($000) NA 128,658 120,759 110,957 105,816
Tier 2 Capital($000) NA 6,272 6,728 7,499 7,699
Total Capital($000) NA 134,930 127,487 118,456 113,515
Total Risk-weighted Assets($000) NA 723,843 719,609 716,483 695,114
Tier 1 Common Capital (CET1) Ratio(%) NA 16.60 15.60 14.30 14
Tier 1 Ratio(%) NA 17.80 16.70 15.50 15.30
Total Capital Ratio(%) NA 18.70 17.70 16.60 16.40
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 12.82 12.50 11.80 11 11.20
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 4,787,446 4,787,446 4,740,326 4,702,266 4,665,765
Avg Diluted Shares(actual) 4,787,446 4,767,279 4,725,971 4,685,067 4,351,748
Basic Book Value per Share 27.26 26.77 24.87 23.26 22.40
Book Value per Share, As Reported 27.26 26.77 24.87 23.26 22.40
Basic Tangible Book Value per Share 25.70 25.21 23.23 21.58 20.59
Tangible Book Value per Share, As Reported NA NA NA NA NA
Common Dividends Declared per Share 0.21 0.84 0.84 0.84 0.84
EPS after Extra 0.21 2.08 2.53 1.60 1.59
EPS after Extra Growth(%) (16) (17.80) 58.10 0.60 (23.60)
Core EPS (0.22) 1.91 2.55 1.94 1.74
Core EPS Growth(%) NM (25.40) 31.90 11.30 (15.30)
Diluted EPS before Amortization 0.21 2.12 2.56 1.63 1.61
Pre-Provision Earnings per Share 0.38 1.90 2.55 1.95 1.88
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.