Financial Highlights

Financial Highlights
2020 FQ2
6/30/2020
2019 FQ2
6/30/2019
Y-Y Ch (%)
2020 FQ1
3/31/2020
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 1,418,355 1,297,561 9.31 1,331,213 26.18
Total Net Loans 1,138,243 1,052,676 8.13 1,092,128 16.89
Total Deposits 1,126,168 1,025,710 9.79 999,984 50.47
Equity Attributable to Parent Company 153,976 153,828 0.10 153,092 2.31
Total Equity 153,976 153,828 0.10 153,092 2.31
Profitability (%)
Net Income($000) 2,143 3,304 (35.14) 1,684 109.03
Net Income Attributable to Parent($000) 2,143 3,304 (35.14) 1,684 109.03
ROAA 0.63 1.03 (40) bp 0.51 12 bp
Core ROAA 0.62 1.04 (42) bp 0.52 10 bp
ROAE 5.56 8.68 (312) bp 4.28 128 bp
ROATCE 5.70 8.86 (316) bp 4.39 131 bp
Core ROAE 5.49 8.76 (327) bp 4.35 114 bp
Net Interest Margin 3.11 3.22 (11) bp 3.09 2 bp
Reported: Net Interest Margin 3.12 3.23 (11) bp 3.11 1 bp
Efficiency Ratio 73.26 68.45 481 bp 77.26 (400) bp
Noninterest Inc/ Operating Rev 6.67 8.30 (163) bp 9.29 (262) bp
Balance Sheet Ratios (%)
Loans/ Deposits 102.30 103.90 (160) bp 110.57 (827) bp
Securities/ Assets 9.71 11.35 (164) bp 10.71 (100) bp
Total Equity/ Total Assets 10.86 11.86 (100) bp 11.50 (64) bp
Tangible Equity/ Tangible Assets 10.74 11.72 (98) bp 11.38 (64) bp
Tang Common Equity/ Tang Assets 10.74 11.72 (98) bp 11.38 (64) bp
Asset Quality (%)
NPAs/ Assets 0.49 0.57 (8) bp 0.58 (9) bp
NPA Excl Restructured/ Assets 0.19 0.05 14 bp 0.20 (1) bp
NPAs & 90+ PD/ Assets NA 0.57 NA 0.58 NA
NPAs/ Loans & REO 0.60 0.69 (9) bp 0.69 (9) bp
Nonaccrual & 90+ & OREO/ Assets NA 0.05 NA 0.20 NA
NPAs & 90+ PD/ Loans & REO NA 0.69 NA 0.69 NA
NPA & Loans 90+/ Tangible Common Equity + LLR NA 4.45 NA 4.66 NA
NCOs/ Avg Loans 0 (0.02) 2 bp 0 0 bp
Loan Loss Reserves/ Gross Loans 1.20 1.23 (3) bp 1.22 (2) bp
Reserves/ NPAs 199.22 178.01 2,121 bp 176.31 2,291 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) 10,048,961 10,375,325 (3.15) 10,184,411 (5.32)
Avg Diluted Shares(actual) 9,819,664 10,046,355 (2.26) 9,978,060 (6.35)
Basic Book Value per Share 15.32 14.83 3.30 15.03 7.72
Book Value per Share, As Reported 15.32 14.83 3.30 15.03 7.72
Basic Tangible Book Value per Share 15.14 14.64 3.42 14.85 7.81
Tangible Book Value per Share, As Reported 15.14 14.64 3.42 14.85 7.81
Common Dividends Declared per Share 0.10 0.09 11.11 0.10 0
EPS after Extra 0.22 0.33 (33.33) 0.17 117.65
EPS after Extra Growth(%) (33.30) 10 (4,333) bp (10.50) (2,280) bp
Core EPS 0.22 0.33 (33.33) 0.17 117.65
Core EPS Growth(%) (34.70) 9.30 (4,403) bp (6) (2,873) bp
Diluted EPS before Amortization 0.22 0.33 (33.33) 0.17 117.65
Pre-Provision Earnings per Share 0.23 0.26 (11.54) 0.19 84.21

   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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