Financial Highlights

Financial Highlights
2019 FQ3
9/30/2019
2018 FQ3
9/30/2018
Y-Y Ch (%)
2019 FQ2
6/30/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 1,308,359 1,234,859 5.95 1,297,561 3.33
Total Net Loans 1,083,850 995,557 8.87 1,052,676 11.85
Total Deposits 1,016,828 916,279 10.97 1,025,710 (3.46)
Equity Attributable to Parent Company 155,102 154,713 0.25 153,828 3.31
Total Equity 155,102 154,713 0.25 153,828 3.31
Profitability (%)
Net Income($000) 2,505 2,792 (10.28) 3,304 (96.73)
Net Income Attributable to Parent($000) 2,505 2,792 (10.28) 3,304 (96.73)
ROAA 0.76 0.91 (15) bp 1.03 (27) bp
Core ROAA 0.75 0.92 (17) bp 1.04 (29) bp
ROAE 6.46 7.23 (77) bp 8.68 (222) bp
ROATCE 6.61 7.39 (78) bp 8.86 (225) bp
Core ROAE 6.36 7.31 (95) bp 8.76 (240) bp
Net Interest Margin 3.10 3.48 (38) bp 3.22 (12) bp
Reported: Net Interest Margin 3.07 3.46 (39) bp 3.23 (16) bp
Efficiency Ratio 69.95 65.71 424 bp 68.45 150 bp
Noninterest Inc/ Operating Rev 8.97 7.71 126 bp 8.30 67 bp
Balance Sheet Ratios (%)
Loans/ Deposits 107.89 110.08 (219) bp 103.90 399 bp
Securities/ Assets 11.05 12.01 (96) bp 11.35 (30) bp
Total Equity/ Total Assets 11.85 12.53 (68) bp 11.86 (1) bp
Tangible Equity/ Tangible Assets 11.73 12.38 (65) bp 11.72 1 bp
Tang Common Equity/ Tang Assets 11.73 12.38 (65) bp 11.72 1 bp
Asset Quality (%)
NPAs/ Assets 0.55 1.15 (60) bp 0.57 (2) bp
NPA Excl Restructured/ Assets 0.05 0.08 (3) bp 0.05 0 bp
NPAs & 90+ PD/ Assets 0.55 1.15 (60) bp 0.57 (2) bp
NPAs/ Loans & REO 0.66 1.41 (75) bp 0.69 (3) bp
Nonaccrual & 90+ & OREO/ Assets 0.05 0.08 (3) bp 0.05 0 bp
NPAs & 90+ PD/ Loans & REO 0.66 1.41 (75) bp 0.69 (3) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 4.32 8.56 (424) bp 4.45 (13) bp
NCOs/ Avg Loans 0 (0.07) 7 bp (0.02) 2 bp
Loan Loss Reserves/ Gross Loans 1.20 1.30 (10) bp 1.23 (3) bp
Reserves/ NPAs 182.97 92.46 9,051 bp 178.01 496 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) 10,296,053 10,914,556 (5.67) 10,375,325 (3.06)
Avg Diluted Shares(actual) 9,991,011 10,468,802 (4.56) 10,046,355 (2.20)
Basic Book Value per Share 15.06 14.17 6.28 14.83 6.20
Book Value per Share, As Reported 15.06 14.17 6.28 14.83 6.20
Basic Tangible Book Value per Share 14.88 13.99 6.36 14.64 6.56
Tangible Book Value per Share, As Reported 14.88 13.99 6.36 14.64 6.56
Common Dividends Declared per Share 0.09 0.08 12.50 0.09 0
EPS after Extra 0.25 0.27 (7.41) 0.33 (96.97)
EPS after Extra Growth(%) (7.40) 50 (5,741) bp 10 (1,741) bp
Core EPS 0.25 0.27 (7.41) 0.33 (96.97)
Core EPS Growth(%) (9.80) 42.10 (5,191) bp 9.30 (1,914) bp
Diluted EPS before Amortization 0.25 0.27 (7.41) 0.33 (96.97)
Pre-Provision Earnings per Share 0.25 0.28 (10.71) 0.26 (15.38)

   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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