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Financial Highlights


Financial Highlights
2019 FY
12/31/2019
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 1,013,272 1,030,493 1,026,290 954,640 796,285
Total Net Loans 766,502 770,324 761,820 727,202 579,104
Total Deposits 821,471 846,704 856,724 790,452 660,746
Equity Attributable to Parent Company 128,179 117,874 109,361 104,528 90,470
Total Equity 128,179 117,874 109,361 104,528 90,470
Profitability (%)
Net Income($000) 9,907 11,944 7,509 6,920 8,574
Net Income Attributable to Parent($000) 9,907 11,944 7,509 6,920 8,574
ROAA 0.96 1.12 0.74 0.77 1.03
Core ROAA 0.88 1.13 0.90 0.84 1.02
ROAE 8.10 10.63 6.95 7.05 9.66
ROATCE 8.78 11.52 7.60 7.37 9.80
Core ROAE 7.42 10.73 8.40 7.71 9.54
Net Interest Margin 4.51 4.43 4.49 4.40 4.39
Reported: Net Interest Margin 4.51 4.43 4.49 4.40 4.39
Efficiency Ratio 75.84 69.03 69.57 69.04 68.88
Noninterest Inc/ Operating Rev 15.63 17.84 17.92 19.33 19.93
Balance Sheet Ratios (%)
Loans/ Deposits 94.07 91.76 89.80 92.27 88.65
Securities/ Assets 12.32 12.18 12.30 12.85 14.84
Total Equity/ Total Assets 12.65 11.44 10.66 10.95 11.36
Tangible Equity/ Tangible Assets 12 10.77 9.96 10.15 11.22
Tang Common Equity/ Tang Assets 12 10.77 9.96 10.15 11.22
Asset Quality (%)
NPAs/ Assets 1.80 1.65 2.58 2.55 2.83
NPA Excl Restructured/ Assets 0.96 0.88 1.14 1.16 1.20
NPAs & 90+ PD/ Assets 1.89 1.75 2.61 2.58 2.84
NPAs/ Loans & REO 2.36 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 2.47 2.32 3.48 3.34 3.84
NPA & Loans 90+/ Tangible Common Equity + LLR 15.07 15.46 24.59 23.74 23.57
NCOs/ Avg Loans 0.19 0.23 0.37 0.28 0.47
Loan Loss Reserves/ Gross Loans 0.81 0.87 0.97 1.05 1.13
Reserves/ NPAs 34.38 39.59 28.33 31.68 29.48
Loan Loss Provision/ NCO 68.68 57.40 92.76 159.21 39.27
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 120,158 112,259 102,457 97,316 88,899
Tier 1 Capital($000) 128,658 120,759 110,957 105,816 97,399
Tier 2 Capital($000) 6,272 6,728 7,499 7,699 6,648
Total Capital($000) 134,930 127,487 118,456 113,515 104,047
Total Risk-weighted Assets($000) 723,843 719,609 716,483 695,114 569,865
Tier 1 Common Capital (CET1) Ratio(%) 16.60 15.60 14.30 14 15.60
Tier 1 Ratio(%) 17.80 16.70 15.50 15.30 17.10
Total Capital Ratio(%) 18.70 17.70 16.60 16.40 18.20
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 12.50 11.80 11 11.20 12.20
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 4,787,446 4,740,326 4,702,266 4,665,765 4,117,675
Avg Diluted Shares(actual) 4,767,279 4,725,971 4,685,067 4,351,748 4,117,675
Basic Book Value per Share 26.77 24.87 23.26 22.40 21.97
Book Value per Share, As Reported 26.77 24.87 23.26 22.40 21.97
Basic Tangible Book Value per Share 25.21 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 0.84 0.84 0.84 0.84 0.89
EPS after Extra 2.08 2.53 1.60 1.59 2.08
EPS after Extra Growth(%) (17.80) 58.10 0.60 (23.60) 5.60
Core EPS 1.91 2.55 1.94 1.74 2.05
Core EPS Growth(%) (25.40) 31.90 11.30 (15.30) 11.50
Diluted EPS before Amortization 2.12 2.56 1.63 1.61 2.08
Pre-Provision Earnings per Share 1.90 2.55 1.95 1.88 1.94
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.