Financial Highlights

Financial Highlights
2019 FQ4
12/31/2019
2018 FQ4
12/31/2018
Y-Y Ch (%)
2019 FQ3
9/30/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 1,341,885 1,252,424 7.14 1,308,359 10.25
Total Net Loans 1,108,462 1,022,904 8.36 1,083,850 9.08
Total Deposits 1,033,534 939,032 10.06 1,016,828 6.57
Equity Attributable to Parent Company 156,319 153,738 1.68 155,102 3.14
Total Equity 156,319 153,738 1.68 155,102 3.14
Profitability (%)
Net Income($000) 2,615 2,163 20.90 2,505 17.56
Net Income Attributable to Parent($000) 2,615 2,163 20.90 2,505 17.56
ROAA 0.79 0.70 9 bp 0.76 3 bp
Core ROAA 0.79 0.77 2 bp 0.75 4 bp
ROAE 6.70 5.58 112 bp 6.46 24 bp
ROATCE 6.85 5.72 113 bp 6.61 24 bp
Core ROAE 6.63 6.12 51 bp 6.36 27 bp
Net Interest Margin 3.12 3.43 (31) bp 3.10 2 bp
Reported: Net Interest Margin 3.09 3.41 (32) bp 3.07 2 bp
Efficiency Ratio 71.15 69.71 144 bp 69.95 120 bp
Noninterest Inc/ Operating Rev 13.02 6.78 624 bp 8.97 405 bp
Balance Sheet Ratios (%)
Loans/ Deposits 108.53 110.35 (182) bp 107.89 64 bp
Securities/ Assets 10.70 11.94 (124) bp 11.05 (35) bp
Total Equity/ Total Assets 11.65 12.28 (63) bp 11.85 (20) bp
Tangible Equity/ Tangible Assets 11.53 12.13 (60) bp 11.73 (20) bp
Tang Common Equity/ Tang Assets 11.53 12.13 (60) bp 11.73 (20) bp
Asset Quality (%)
NPAs/ Assets 0.43 0.85 (42) bp 0.55 (12) bp
NPA Excl Restructured/ Assets 0.04 0.10 (6) bp 0.05 (1) bp
NPAs & 90+ PD/ Assets 0.43 0.85 (42) bp 0.55 (12) bp
NPAs/ Loans & REO 0.52 1.03 (51) bp 0.66 (14) bp
Nonaccrual & 90+ & OREO/ Assets 0.04 0.10 (6) bp 0.05 (1) bp
NPAs & 90+ PD/ Loans & REO 0.52 1.03 (51) bp 0.66 (14) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 3.46 6.44 (298) bp 4.32 (86) bp
NCOs/ Avg Loans (0.02) (0.01) (1) bp 0 (2) bp
Loan Loss Reserves/ Gross Loans 1.18 1.29 (11) bp 1.20 (2) bp
Reserves/ NPAs 228.09 125.51 10,258 bp 182.97 4,512 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) 10,252,953 10,710,656 (4.27) 10,296,053 (1.67)
Avg Diluted Shares(actual) 10,032,979 10,484,350 (4.31) 9,991,011 1.68
Basic Book Value per Share 15.25 14.35 6.27 15.06 5.05
Book Value per Share, As Reported 15.25 14.35 6.27 15.06 5.05
Basic Tangible Book Value per Share 15.07 14.17 6.35 14.88 5.11
Tangible Book Value per Share, As Reported 15.07 14.17 6.35 14.88 5.11
Common Dividends Declared per Share 0.09 0.08 12.50 0.09 0
EPS after Extra 0.26 0.21 23.81 0.25 16
EPS after Extra Growth(%) 23.80 (8.70) 3,251 bp (7.40) 3,122 bp
Core EPS 0.26 0.23 13.04 0.25 16
Core EPS Growth(%) 11.80 (35.40) 4,718 bp (9.80) 2,164 bp
Diluted EPS before Amortization 0.26 0.21 23.81 0.25 16
Pre-Provision Earnings per Share 0.25 0.25 0 0.25 0

   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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