Financial Highlights

Financial Highlights
2019 FQ2
6/30/2019
2018 FQ2
6/30/2018
Y-Y Ch (%)
2019 FQ1
3/31/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 1,131,645 1,049,886 7.79 1,112,198 6.99
Total Net Loans 712,872 622,483 14.52 703,937 5.08
Total Deposits 941,606 878,069 7.24 929,801 5.08
Equity Attributable to Parent Company 112,514 98,743 13.95 106,858 21.17
Total Equity 112,514 98,743 13.95 106,858 21.17
Profitability (%)
Net Income($000) 3,089 2,126 45.30 2,603 74.68
Net Income Attributable to Parent($000) 3,089 2,126 45.30 2,603 74.68
ROAA 1.10 0.82 28 bp 0.95 15 bp
Core ROAA 1.06 0.83 23 bp 0.93 13 bp
ROAE 11.45 8.77 268 bp 10.08 137 bp
ROATCE 11.45 8.77 268 bp 10.08 137 bp
Core ROAE 11.06 8.92 214 bp 9.79 127 bp
Net Interest Margin 3.55 3.41 14 bp 3.58 (3) bp
Reported: Net Interest Margin 3.56 3.41 15 bp 3.59 (3) bp
Efficiency Ratio 68.61 74.57 (596) bp 71.21 (260) bp
Noninterest Inc/ Operating Rev 22.30 24.92 (262) bp 21.40 90 bp
Balance Sheet Ratios (%)
Loans/ Deposits 76.29 71.55 474 bp 76.37 (8) bp
Securities/ Assets 26.87 30.41 (354) bp 27.33 (46) bp
Total Equity/ Total Assets 9.94 9.41 53 bp 9.61 33 bp
Tangible Equity/ Tangible Assets 9.94 9.41 53 bp 9.61 33 bp
Tang Common Equity/ Tang Assets 9.94 9.41 53 bp 9.61 33 bp
Asset Quality (%)
NPAs/ Assets 0.16 0.12 4 bp 0.16 0 bp
NPA Excl Restructured/ Assets 0.16 0.10 6 bp 0.16 0 bp
NPAs & 90+ PD/ Assets 0.18 0.15 3 bp 0.19 (1) bp
NPAs/ Loans & REO 0.25 0.20 5 bp 0.26 (1) bp
Nonaccrual & 90+ & OREO/ Assets 0.18 0.13 5 bp 0.19 (1) bp
NPAs & 90+ PD/ Loans & REO 0.28 0.26 2 bp 0.29 (1) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 1.69 1.52 17 bp 1.80 (11) bp
NCOs/ Avg Loans (0.02) 0 (2) bp (0.02) 0 bp
Loan Loss Reserves/ Gross Loans 1.24 1.30 (6) bp 1.25 (1) bp
Reserves/ NPAs 495.14 642.37 (14,723) bp 488.51 663 bp
Loan Loss Provision/ NCO NM NM NM NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 105,920 NA NA NA
Tier 1 Capital($000) NA 105,920 NA NA NA
Tier 2 Capital($000) NA 8,468 NA NA NA
Total Capital($000) NA 114,388 NA NA NA
Total Risk-weighted Assets($000) NA 767,527 NA NA NA
Tier 1 Common Capital (CET1) Ratio(%) 13.60 13.80 (20) bp 13.30 30 bp
Tier 1 Ratio(%) 13.60 13.80 (20) bp 13.30 30 bp
Total Capital Ratio(%) 14.70 14.90 (20) bp 14.40 30 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10 10.13 (13) bp 10 0 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 5,698,384 5,715,408 (0.30) 5,694,452 0.28
Avg Diluted Shares(actual) 5,692,506 5,707,590 (0.26) 5,694,340 (0.13)
Basic Book Value per Share 19.74 17.28 14.24 18.77 20.67
Book Value per Share, As Reported NA NA NA 18.77 NA
Basic Tangible Book Value per Share 19.74 17.28 14.24 18.77 20.67
Tangible Book Value per Share, As Reported NA NA NA 18.77 NA
Common Dividends Declared per Share 0.15 0.15 7.14 0.15 0
EPS after Extra 0.54 0.37 45.95 0.46 69.57
EPS after Extra Growth(%) 45.90 12.10 3,383 bp (8.10) 5,403 bp
Core EPS 0.52 0.38 36.84 0.44 72.73
Core EPS Growth(%) 38.60 18.40 2,019 bp 22.90 1,577 bp
Diluted EPS before Amortization 0.54 0.37 45.95 0.46 69.57
Pre-Provision Earnings per Share 0.49 0.35 40 0.43 55.81

   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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