First National Bank

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Financial Highlights
2020 FQ2 YTD
6/30/2020
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 563,898 500,530 470,611 443,925 440,104
Total Net Loans 412,368 389,849 372,482 354,829 338,534
Total Deposits 511,982 450,283 425,278 401,685 399,743
Equity Attributable to Parent Company 47,022 45,445 42,111 38,795 36,549
Total Equity 47,022 45,445 42,111 38,795 36,549
Profitability (%)
Net Income($000) 1,115 4,396 4,160 2,748 3,004
Net Income Attributable to Parent($000) 1,115 4,396 4,160 2,748 3,004
ROAA 0.43 0.92 0.90 0.62 0.76
Core ROAA 0.64 0.92 0.90 0.68 0.71
ROAE 4.86 9.86 10.33 7.25 8.38
ROATCE 4.91 9.98 10.47 7.35 8.51
Core ROAE 7.19 9.85 10.33 7.99 7.78
Net Interest Margin 3.48 4 3.83 3.63 3.70
Reported: Net Interest Margin 3.49 4 3.83 3.63 3.70
Efficiency Ratio 78.65 74.75 72.06 74.72 75.25
Noninterest Inc/ Operating Rev 23.42 20.72 20.41 20.61 20.74
Balance Sheet Ratios (%)
Loans/ Deposits 80.79 87.18 88.38 89.07 85.39
Securities/ Assets 8.39 9.30 10.91 10.31 6.59
Total Equity/ Total Assets 8.34 9.08 8.95 8.74 8.30
Tangible Equity/ Tangible Assets 8.25 8.98 8.84 8.63 8.19
Tang Common Equity/ Tang Assets 8.25 8.98 8.84 8.63 8.19
Asset Quality (%)
NPAs/ Assets 0.31 0.38 0.37 0.34 0.40
NPA Excl Restructured/ Assets 0.28 0.36 0.31 0.21 0.32
NPAs & 90+ PD/ Assets 0.31 0.38 0.39 0.34 0.40
NPAs/ Loans & REO 0.42 0.49 0.46 0.42 0.51
Nonaccrual & 90+ & OREO/ Assets 0.28 0.36 0.33 0.21 0.32
NPAs & 90+ PD/ Loans & REO 0.42 0.49 0.48 0.42 0.51
NPA & Loans 90+/ Tangible Common Equity + LLR 3.48 3.98 4.03 3.61 4.52
NCOs/ Avg Loans 0.09 0.01 0.05 0.05 0.02
Loan Loss Reserves/ Gross Loans 0.84 0.88 0.90 0.83 0.85
Reserves/ NPAs 200.69 180.46 194.58 199.13 164.85
Loan Loss Provision/ NCO 120.86 285.96 317.80 137.57 108.75
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 48,655 47,889 44,192 40,540 37,882
Tier 1 Capital($000) 48,655 47,889 44,192 40,540 37,882
Tier 2 Capital($000) 3,494 3,566 3,459 3,042 2,972
Total Capital($000) 52,149 51,455 47,651 43,582 40,854
Total Risk-weighted Assets($000) 409,899 408,609 387,649 372,610 349,788
Tier 1 Common Capital (CET1) Ratio(%) 11.87 11.72 11.40 10.88 10.83
Tier 1 Ratio(%) 11.87 11.72 11.40 10.88 10.83
Total Capital Ratio(%) 12.72 12.60 12.29 11.69 11.68
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9 9.88 9.36 9.15 8.94
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 1,558,662 1,551,339 1,540,054 1,529,033 1,522,351
Avg Diluted Shares(actual) 1,561,101 1,559,891 1,551,598 1,544,628 1,535,632
Basic Book Value per Share 30.17 29.29 27.34 25.37 24.01
Book Value per Share, As Reported 30.17 29.29 27.34 25.51 24.21
Basic Tangible Book Value per Share 29.82 28.95 26.99 25.02 23.65
Tangible Book Value per Share, As Reported NA NA 26.99 25.02 23.65
Common Dividends Declared per Share 0.28 0.55 0.45 0.40 0.38
EPS after Extra 0.71 2.82 2.68 1.78 1.96
EPS after Extra Growth(%) (58.50) 5.20 50.60 (9.20) 9.50
Core EPS 1.05 2.82 2.68 1.96 1.82
Core EPS Growth(%) (38.50) 5.20 36.70 7.70 11.10
Diluted EPS before Amortization 0.71 2.82 2.68 1.78 1.96
Pre-Provision Earnings per Share 1.15 2.80 2.88 1.93 1.76
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