Financial Highlights

Financial Highlights
2020 FQ1
3/31/2020
2019 FQ1
3/31/2019
Y-Y Ch (%)
2019 FQ4
12/31/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 1,331,213 1,287,862 3.37 1,341,885 (3.18)
Total Net Loans 1,092,128 1,051,711 3.84 1,108,462 (5.89)
Total Deposits 999,984 955,272 4.68 1,033,534 (12.98)
Equity Attributable to Parent Company 153,092 151,684 0.93 156,319 (8.26)
Total Equity 153,092 151,684 0.93 156,319 (8.26)
Profitability (%)
Net Income($000) 1,684 1,945 (13.42) 2,615 (142.41)
Net Income Attributable to Parent($000) 1,684 1,945 (13.42) 2,615 (142.41)
ROAA 0.51 0.62 (11) bp 0.79 (28) bp
Core ROAA 0.52 0.60 (8) bp 0.79 (27) bp
ROAE 4.28 5.09 (81) bp 6.70 (242) bp
ROATCE 4.39 5.23 (84) bp 6.85 (246) bp
Core ROAE 4.35 4.93 (58) bp 6.63 (228) bp
Net Interest Margin 3.09 3.32 (23) bp 3.12 (3) bp
Reported: Net Interest Margin 3.11 3.37 (26) bp 3.09 2 bp
Efficiency Ratio 77.26 73.54 372 bp 71.15 611 bp
Noninterest Inc/ Operating Rev 9.29 6.70 259 bp 13.02 (373) bp
Balance Sheet Ratios (%)
Loans/ Deposits 110.57 111.54 (97) bp 108.53 204 bp
Securities/ Assets 10.71 11.39 (68) bp 10.70 1 bp
Total Equity/ Total Assets 11.50 11.78 (28) bp 11.65 (15) bp
Tangible Equity/ Tangible Assets 11.38 11.64 (26) bp 11.53 (15) bp
Tang Common Equity/ Tang Assets 11.38 11.64 (26) bp 11.53 (15) bp
Asset Quality (%)
NPAs/ Assets 0.58 0.65 (7) bp 0.43 15 bp
NPA Excl Restructured/ Assets 0.20 0.05 15 bp 0.04 16 bp
NPAs & 90+ PD/ Assets 0.58 0.65 (7) bp 0.43 15 bp
NPAs/ Loans & REO 0.69 0.79 (10) bp 0.52 17 bp
Nonaccrual & 90+ & OREO/ Assets 0.20 0.05 15 bp 0.04 16 bp
NPAs & 90+ PD/ Loans & REO 0.69 0.79 (10) bp 0.52 17 bp
NPA & Loans 90+/ Tangible Common Equity + LLR 4.66 5.15 (49) bp 3.46 120 bp
NCOs/ Avg Loans 0 (0.02) 2 bp (0.02) 2 bp
Loan Loss Reserves/ Gross Loans 1.22 1.30 (8) bp 1.18 4 bp
Reserves/ NPAs 176.31 164.05 1,226 bp 228.09 (5,178) bp
Loan Loss Provision/ NCO NM NM NM NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA NA NA NA NA
Tier 1 Capital($000) NA NA NA NA NA
Tier 2 Capital($000) NA NA NA NA NA
Total Capital($000) NA NA NA NA NA
Total Risk-weighted Assets($000) NA NA NA NA NA
Tier 1 Common Capital (CET1) Ratio(%) NA NA NA NA NA
Tier 1 Ratio(%) NA NA NA NA NA
Total Capital Ratio(%) NA NA NA NA NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA NA NA NA NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 10,184,411 10,457,625 (2.61) 10,252,953 (2.67)
Avg Diluted Shares(actual) 9,978,060 10,220,900 (2.38) 10,032,979 (2.19)
Basic Book Value per Share 15.03 14.50 3.66 15.25 (5.77)
Book Value per Share, As Reported 15.03 14.50 3.66 15.25 (5.77)
Basic Tangible Book Value per Share 14.85 14.32 3.70 15.07 (5.84)
Tangible Book Value per Share, As Reported 14.85 14.32 3.70 15.07 (5.84)
Common Dividends Declared per Share 0.10 0.08 25 0.09 44.44
EPS after Extra 0.17 0.19 (10.53) 0.26 (138.46)
EPS after Extra Growth(%) (10.50) (71.20) 6,068 bp 23.80 (3,434) bp
Core EPS 0.17 0.18 (5.56) 0.26 (138.46)
Core EPS Growth(%) (6) (72.30) 6,629 bp 11.80 (1,780) bp
Diluted EPS before Amortization 0.17 0.19 (10.53) 0.26 (138.46)
Pre-Provision Earnings per Share 0.19 0.21 (9.52) 0.25 (96)

   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.


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