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Financial Highlights

Financial Highlights
2019 FQ3
9/30/2019
2019 FQ2
6/30/2019
2019 FQ1
3/31/2019
2018 FQ4
12/31/2018
2018 FQ3
9/30/2018
Balance Sheet ($000)
Total Assets 1,012,542 1,037,020 1,046,362 988,227 985,598
Total Net Loans 663,963 674,218 668,856 667,105 631,330
Total Deposits 899,599 925,364 937,646 892,866 899,833
Total Equity 81,220 79,083 76,774 71,709 65,154
Profitability (%)
Net Income($000) 1,075 863 742 840 1,122
ROAA 0.42 0.33 0.29 0.34 0.46
ROAE 5.36 4.43 4 4.91 6.86
Net Interest Margin 2.48 2.52 2.56 2.62 2.61
Efficiency Ratio 80.87 81.93 86.31 80.80 76.77
Noninterest Inc/ Operating Rev 7.13 8.44 6.47 6.05 6.42
Balance Sheet Ratios (%)
Loans/ Deposits 74.52 73.57 72.02 75.44 70.85
Securities/ Assets 25.42 27.11 27.63 28.04 29.20
Total Equity/ Total Assets 8.02 7.63 7.34 7.26 6.61
Tangible Equity/ Tangible Assets NA NA NA 7.25 6.61
Asset Quality (%)
NPAs/ Assets NA NA NA 0.57 NA
NPA Excl Restructured/ Assets NA NA 0.23 0.39 0.40
NPAs & 90+ PD/ Assets NA NA NA 0.57 NA
NPAs & 90+ PD/ Loans & REO NA NA NA 0.84 NA
Loan Loss Reserves/ Gross Loans 0.95 0.96 0.96 0.96 0.98
Reserves/ NPAs NA NA NA 114.80 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) 7,676,749 7,677,961 7,692,786 7,653,952 7,656,169
Basic Book Value per Share 10.58 10.30 9.98 9.37 8.51
Basic EPS per Share 0.14 0.11 0.10 0.11 0.15
Pre-Provision Earnings per Share 0.13 0.12 0.10 0.14 0.17
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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