First National Bank

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Financial Highlights
2019 FQ3 YTD
9/30/2019
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 481,627 470,611 443,925 440,104 371,261
Total Net Loans 388,114 372,482 354,829 338,343 303,199
Total Deposits 431,340 425,278 401,685 399,743 332,403
Equity Attributable to Parent Company 46,301 42,111 38,795 36,549 34,782
Total Equity 46,301 42,111 38,795 36,549 34,782
Profitability (%)
Net Income($000) 3,712 4,160 2,748 3,004 2,730
Net Income Attributable to Parent($000) 3,712 4,160 2,748 3,004 2,730
ROAA 1.04 0.90 0.62 0.76 0.75
Core ROAA NA 0.90 0.68 0.71 0.68
ROAE 11.13 10.34 7.25 8.38 8.10
ROATCE 11.27 10.48 7.35 8.51 8.23
Core ROAE NA 10.34 7.99 7.78 7.41
Net Interest Margin 4.05 3.83 3.63 3.70 3.63
Reported: Net Interest Margin 4.05 3.83 3.63 3.70 3.63
Efficiency Ratio 71.68 72.41 75.37 75.25 75.45
Noninterest Inc/ Operating Rev 20.37 20.41 20.61 20.74 21.26
Balance Sheet Ratios (%)
Loans/ Deposits NA 88.38 89.07 85.34 92
Securities/ Assets NA 10.91 10.31 6.59 7.68
Total Equity/ Total Assets 9.61 8.95 8.74 8.30 9.37
Tangible Equity/ Tangible Assets 9.51 8.84 8.63 8.19 9.24
Tang Common Equity/ Tang Assets 9.51 8.84 8.63 8.19 9.24
Asset Quality (%)
NPAs/ Assets 0.41 0.37 0.34 0.40 1.24
NPA Excl Restructured/ Assets 0.35 0.31 0.21 0.32 0.84
NPAs & 90+ PD/ Assets 0.42 0.39 0.34 0.40 1.24
NPAs/ Loans & REO 0.50 0.46 0.42 0.51 1.49
Nonaccrual & 90+ & OREO/ Assets 0.36 0.33 0.21 0.32 0.84
NPAs & 90+ PD/ Loans & REO 0.51 0.48 0.42 0.51 1.49
NPA & Loans 90+/ Tangible Common Equity + LLR 4.09 4.03 3.61 4.52 12.36
NCOs/ Avg Loans 0.01 0.05 0.05 0.02 0.11
Loan Loss Reserves/ Gross Loans 0.89 0.90 0.83 0.85 0.94
Reserves/ NPAs 178.19 194.58 199.13 164.85 62.95
Loan Loss Provision/ NCO 444.12 317.80 137.57 108.75 43
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 44,192 40,540 37,882 35,475
Tier 1 Capital($000) NA 44,192 40,540 37,882 35,475
Tier 2 Capital($000) NA 3,459 3,042 2,972 2,965
Total Capital($000) NA 47,651 43,582 40,854 38,440
Total Risk-weighted Assets($000) NA 387,649 372,610 349,788 312,005
Tier 1 Common Capital (CET1) Ratio(%) NA 11.40 10.88 10.83 11.37
Tier 1 Ratio(%) 11.58 11.40 10.88 10.83 11.37
Total Capital Ratio(%) 12.48 12.29 11.69 11.68 12.32
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.61 9.36 9.15 8.94 9.68
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 1,551,349 1,540,054 1,529,033 1,522,351 1,520,221
Avg Diluted Shares(actual) 1,559,664 1,551,598 1,544,628 1,535,632 1,531,436
Basic Book Value per Share 29.85 27.34 25.37 24.01 22.88
Book Value per Share, As Reported 29.85 27.34 25.51 24.21 22.88
Basic Tangible Book Value per Share 29.50 26.99 25.02 23.65 22.53
Tangible Book Value per Share, As Reported NA 26.99 25.02 23.65 22.52
Common Dividends Declared per Share 0.41 0.45 0.40 0.38 0.34
EPS after Extra 2.38 2.68 1.78 1.96 1.79
EPS after Extra Growth(%) 30.80 50.60 (9.20) 9.50 27.90
Core EPS NA 2.68 1.96 1.82 1.64
Core EPS Growth(%) NA 36.70 7.70 11.10 17.10
Diluted EPS before Amortization 2.38 2.68 1.78 1.96 1.79
Pre-Provision Earnings per Share 2.40 2.88 1.93 1.76 1.62
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