Financial Highlights

Financial Highlights
2019 FQ4
12/31/2019
2018 FQ3
9/30/2018
Y-Y Ch (%)
2019 FQ2
6/30/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 1,171,750 1,062,195 10.31 1,131,645 14.18
Total Net Loans NA 662,145 NA 712,872 NA
Total Deposits 974,088 890,926 9.33 941,606 13.80
Equity Attributable to Parent Company 116,688 99,202 17.63 112,514 14.84
Total Equity 116,688 99,202 17.63 112,514 14.84
Profitability (%)
Net Income($000) 2,779 2,577 7.84 3,089 (40.14)
Net Income Attributable to Parent($000) 2,779 2,577 7.84 3,089 (40.14)
ROAA 0.96 0.98 (2) bp 1.10 (14) bp
Core ROAA 0.90 0.98 (8) bp 1.06 (16) bp
ROAE 9.57 10.42 (85) bp 11.45 (188) bp
ROATCE 9.57 10.42 (85) bp 11.45 (188) bp
Core ROAE 8.97 10.39 (142) bp 11.06 (209) bp
Net Interest Margin 3.45 3.52 (7) bp 3.55 (10) bp
Reported: Net Interest Margin 3.45 3.52 (7) bp 3.56 (11) bp
Efficiency Ratio 74.89 70.35 454 bp 68.61 628 bp
Noninterest Inc/ Operating Rev 23.60 24.70 (110) bp 22.30 130 bp
Balance Sheet Ratios (%)
Loans/ Deposits 77.37 74.95 242 bp 76.29 108 bp
Securities/ Assets NA 28.95 NA 26.87 NA
Total Equity/ Total Assets 9.96 9.34 62 bp 9.94 2 bp
Tangible Equity/ Tangible Assets 9.96 9.34 62 bp 9.94 2 bp
Tang Common Equity/ Tang Assets 9.96 9.34 62 bp 9.94 2 bp
Asset Quality (%)
NPAs/ Assets NA 0.14 NA 0.16 NA
NPA Excl Restructured/ Assets NA 0.10 NA 0.16 NA
NPAs & 90+ PD/ Assets NA 0.15 NA 0.18 NA
NPAs/ Loans & REO NA 0.22 NA 0.25 NA
Nonaccrual & 90+ & OREO/ Assets NA 0.11 NA 0.18 NA
NPAs & 90+ PD/ Loans & REO NA 0.23 NA 0.28 NA
NPA & Loans 90+/ Tangible Common Equity + LLR NA 1.46 NA 1.69 NA
NCOs/ Avg Loans NA (0.04) NA (0.02) NA
Loan Loss Reserves/ Gross Loans NA 1.26 NA 1.24 NA
Reserves/ NPAs NA 572.55 NA 495.14 NA
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($000) 859,247 NA NA NA NA
Tier 1 Common Capital (CET1) Ratio(%) NA 13.50 NA 13.60 NA
Tier 1 Ratio(%) NA 13.50 NA 13.60 NA
Total Capital Ratio(%) NA 14.60 NA 14.70 NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA 10.10 NA 10 NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 5,640,742 5,722,548 (1.43) 5,698,384 (4.05)
Avg Diluted Shares(actual) 5,671,429 5,716,004 (0.78) 5,692,506 (1.48)
Basic Book Value per Share 20.69 17.34 19.32 19.74 19.25
Book Value per Share, As Reported NA NA NA NA NA
Basic Tangible Book Value per Share 20.69 17.34 19.32 19.74 19.25
Tangible Book Value per Share, As Reported NA NA NA NA NA
Common Dividends Declared per Share 0.16 0.15 14.29 0.16 0
EPS after Extra 0.49 0.45 8.89 0.54 (37.04)
EPS after Extra Growth(%) 25.60 26.80 (112) bp 45.90 (2,031) bp
Core EPS 0.46 0.45 2.22 0.52 (46.15)
Core EPS Growth(%) 5.90 33.70 (2,778) bp 38.60 (3,272) bp
Diluted EPS before Amortization 0.49 0.45 8.89 0.54 (37.04)
Pre-Provision Earnings per Share 0.42 0.44 (4.55) 0.49 (57.14)

   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.


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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