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Financial Highlights


Financial Highlights
2019 FQ2 YTD
6/30/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
Balance Sheet ($000)
Total Assets 1,034,975 1,030,493 1,026,290 954,640 796,285
Total Net Loans 768,725 770,324 761,820 727,202 579,104
Total Deposits 847,496 846,704 856,724 790,452 660,746
Equity Attributable to Parent Company 123,920 117,874 109,361 104,528 90,470
Total Equity 123,920 117,874 109,361 104,528 90,470
Profitability (%)
Net Income($000) 4,272 11,944 7,509 6,920 8,574
Net Income Attributable to Parent($000) 4,272 11,944 7,509 6,920 8,574
ROAA 0.82 1.12 0.74 0.77 1.03
Core ROAA 0.83 1.13 0.90 0.84 1.02
ROAE 7.08 10.63 6.95 7.05 9.66
ROATCE 7.65 11.52 7.60 7.37 9.80
Core ROAE 7.16 10.73 8.40 7.71 9.54
Net Interest Margin 4.58 4.43 4.49 4.40 4.39
Reported: Net Interest Margin 4.66 4.43 4.49 4.40 4.39
Efficiency Ratio 74.09 69.03 69.57 69.04 68.88
Noninterest Inc/ Operating Rev 14.82 17.84 17.92 19.33 19.93
Balance Sheet Ratios (%)
Loans/ Deposits 91.58 91.76 89.80 92.27 88.65
Securities/ Assets 12.38 12.18 12.30 12.85 14.84
Total Equity/ Total Assets 11.97 11.44 10.66 10.95 11.36
Tangible Equity/ Tangible Assets 11.31 10.77 9.96 10.15 11.22
Tang Common Equity/ Tang Assets 11.31 10.77 9.96 10.15 11.22
Asset Quality (%)
NPAs/ Assets 1.78 1.65 2.58 2.55 2.83
NPA Excl Restructured/ Assets 0.86 0.88 1.14 1.16 1.20
NPAs & 90+ PD/ Assets 1.96 1.75 2.61 2.58 2.84
NPAs/ Loans & REO 2.37 2.19 3.43 3.30 3.83
Nonaccrual & 90+ & OREO/ Assets 1.04 0.99 1.17 1.20 1.21
NPAs & 90+ PD/ Loans & REO 2.61 2.32 3.48 3.34 3.84
NPA & Loans 90+/ Tangible Common Equity + LLR 16.40 15.46 24.59 23.74 23.57
NCOs/ Avg Loans 0.23 0.23 0.37 0.28 0.47
Loan Loss Reserves/ Gross Loans 0.95 0.87 0.97 1.05 1.13
Reserves/ NPAs 40.17 39.59 28.33 31.68 29.48
Loan Loss Provision/ NCO 174.94 57.40 92.76 159.21 39.27
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 112,259 102,457 97,316 88,899
Tier 1 Capital($000) NA 120,759 110,957 105,816 97,399
Tier 2 Capital($000) NA 6,728 7,499 7,699 6,648
Total Capital($000) NA 127,487 118,456 113,515 104,047
Total Risk-weighted Assets($000) NA 719,609 716,483 695,114 569,865
Tier 1 Common Capital (CET1) Ratio(%) 16.10 15.60 14.30 14 15.60
Tier 1 Ratio(%) 17.30 16.70 15.50 15.30 17.10
Total Capital Ratio(%) 18.30 17.70 16.60 16.40 18.20
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 12 11.80 11 11.20 12.20
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 4,767,758 4,740,326 4,702,266 4,665,765 4,117,675
Avg Diluted Shares(actual) 4,756,209 4,725,971 4,685,067 4,351,748 4,117,675
Basic Book Value per Share 25.99 24.87 23.26 22.40 21.97
Book Value per Share, As Reported 25.99 24.87 23.26 22.40 21.97
Basic Tangible Book Value per Share 24.38 23.23 21.58 20.59 21.66
Tangible Book Value per Share, As Reported NA NA NA NA NA
Common Dividends Declared per Share 0.42 0.84 0.84 0.84 0.89
EPS after Extra 0.90 2.53 1.60 1.59 2.08
EPS after Extra Growth(%) (32.80) 58.10 0.60 (23.60) 5.60
Core EPS 0.91 2.55 1.94 1.74 2.05
Core EPS Growth(%) (32.70) 31.90 11.30 (15.30) 11.50
Diluted EPS before Amortization 0.91 2.56 1.63 1.61 2.08
Pre-Provision Earnings per Share 1.09 2.55 1.95 1.88 1.94
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