Financial Highlights
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Financial Highlights
2017 FY
12/31/2017
2018 FY
12/31/2018
2019 FY
12/31/2019
2020 FQ1 YTD
3/31/2020
Balance Sheet ($000)
Total Assets 314,176 334,211 353,924 357,851
Total Net Loans 226,197 240,529 253,596 253,640
Total Deposits 212,159 233,371 252,282 259,883
Equity Attributable to Parent Company 35,719 37,340 41,317 42,888
Total Equity 35,719 37,340 41,317 42,888
Profitability (%)
Net Income($000) 3,413 4,167 4,685 1,033
Net Income Attributable to Parent($000) 3,413 4,167 4,685 1,033
ROAA 1.12 1.28 1.33 1.16
Core ROAA 1.23 1.32 1.31 1.16
ROAE 9.69 11.46 11.74 9.81
ROATCE 9.71 11.50 11.78 9.87
Core ROAE 10.63 11.82 11.56 9.81
Net Interest Margin 3.56 3.60 3.52 3.42
Reported: Net Interest Margin 3.56 3.60 3.52 3.40
Efficiency Ratio 64.22 63.45 61.21 60.97
Noninterest Inc/ Operating Rev 20.91 22.96 22.23 23.51
Balance Sheet Ratios (%)
Loans/ Deposits 107.41 104.10 101.73 98.16
Securities/ Assets 19.20 19.49 18.66 18.72
Total Equity/ Total Assets 11.37 11.17 11.67 11.98
Tangible Equity/ Tangible Assets 11.33 11.14 11.64 11.95
Tang Common Equity/ Tang Assets 11.30 11.10 11.61 11.92
Asset Quality (%)
NPAs/ Assets 0.79 0.86 1.95 2.14
NPA Excl Restructured/ Assets 0.72 0.81 1.82 2.01
NPAs & 90+ PD/ Assets 0.79 0.86 1.95 2.14
NPAs/ Loans & REO 1.09 1.18 2.69 2.97
Nonaccrual & 90+ & OREO/ Assets 0.72 0.81 1.82 2.01
NPAs & 90+ PD/ Loans & REO 1.09 1.18 2.69 2.97
NPA & Loans 90+/ Tangible Common Equity + LLR 6.53 7.20 15.59 16.58
NCOs/ Avg Loans (0.10) 0.03 0.04 (0.05)
Loan Loss Reserves/ Gross Loans 1.20 1.17 1.24 1.34
Reserves/ NPAs 110.01 99.27 46.24 45.06
Loan Loss Provision/ NCO NM 269.23 472.22 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA NA NA NA
Tier 1 Capital($000) 35,318 37,557 39,972 40,465
Tier 2 Capital($000) 2,747 2,856 3,192 3,389
Total Capital($000) 38,065 40,413 43,164 43,854
Total Risk-weighted Assets($000) 239,022 252,667 270,161 271,075
Tier 1 Common Capital (CET1) Ratio(%) NA NA NA NA
Tier 1 Ratio(%) 14.78 14.86 14.80 14.93
Total Capital Ratio(%) 15.93 15.99 15.98 16.18
Liquidity Coverage Ratio(%) NA NA NA NA
Leverage Ratio(%) 11.38 11.26 11.20 11.40
Basel III Leverage Ratio(%) NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 1,214,879 1,206,327 1,206,327 1,210,327
Avg Diluted Shares(actual) 1,200,913 1,195,678 1,198,154 1,201,805
Basic Book Value per Share 29.31 30.86 34.16 35.34
Book Value per Share, As Reported 29.40 30.95 34.25 35.43
Basic Tangible Book Value per Share 29.20 30.75 34.05 35.24
Common Dividends Declared per Share 1.40 1.72 1.77 0.27
EPS after Extra 2.84 3.48 3.91 0.86
EPS after Extra Growth(%) (5) 22.50 12.40 (2.30)
Core EPS 3.12 3.59 3.85 0.86
Core EPS Growth(%) 4.10 15.10 7.30 (2.30)
Diluted EPS before Amortization 2.84 3.48 3.91 0.86
Pre-Provision Earnings per Share 2.47 3.42 3.83 0.94
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.
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