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Financial Highlights

Financial Highlights
2020 FQ2
6/30/2020
2020 FQ1
3/31/2020
2019 FQ4
12/31/2019
2019 FQ3
9/30/2019
2019 FQ2
6/30/2019
Balance Sheet ($000)
Total Assets 1,052,240 1,000,956 978,575 1,012,542 1,037,020
Total Net Loans 690,247 662,940 672,335 663,963 674,218
Total Deposits 933,109 883,528 863,002 899,599 925,364
Total Equity 88,950 87,272 84,190 81,220 79,083
Profitability (%)
Net Income($000) 2,012 321 1,190 1,075 863
ROAA 0.78 0.13 0.48 0.42 0.33
ROAE 9.13 1.50 5.76 5.36 4.43
Net Interest Margin 2.98 2.64 2.61 2.48 2.52
Efficiency Ratio 60.02 85.50 79.91 80.87 81.93
Noninterest Inc/ Operating Rev 5.29 7.29 6.78 7.13 8.44
Balance Sheet Ratios (%)
Loans/ Deposits 74.73 75.82 78.64 74.52 73.57
Securities/ Assets 18.02 24.55 23.12 25.42 27.11
Total Equity/ Total Assets 8.45 8.72 8.60 8.02 7.63
Tangible Equity/ Tangible Assets NA NA 8.60 NA NA
Asset Quality (%)
NPAs/ Assets NA NA NA NA NA
NPA Excl Restructured/ Assets NA NA NA NA NA
NPAs & 90+ PD/ Assets NA NA NA NA NA
NPAs & 90+ PD/ Loans & REO NA NA NA NA NA
Loan Loss Reserves/ Gross Loans 1.01 1.04 0.94 0.95 0.96
Reserves/ NPAs NA NA NA NA NA
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) 7,816,344 7,820,072 7,826,979 7,676,749 7,677,961
Basic Book Value per Share 11.38 11.16 10.76 10.58 10.30
Basic EPS per Share 0.26 0.04 0.15 0.14 0.11
Pre-Provision Earnings per Share 0.32 0.10 0.14 0.13 0.12
Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.
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