Financial Highlights

Financial Highlights
2020 FQ1
3/31/2020
2019 FQ1
3/31/2019
Y-Y Ch (%)
2019 FQ4
12/31/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 1,177,996 1,112,198 5.92 1,171,750 2.13
Total Net Loans 756,736 703,937 7.50 746,513 5.48
Total Deposits 982,852 929,801 5.71 974,088 3.60
Equity Attributable to Parent Company 116,506 106,858 9.03 116,688 (0.62)
Total Equity 116,506 106,858 9.03 116,688 (0.62)
Profitability (%)
Net Income($000) 2,165 2,603 (16.83) 2,779 (88.38)
Net Income Attributable to Parent($000) 2,165 2,603 (16.83) 2,779 (88.38)
ROAA 0.74 0.95 (21) bp 0.96 (22) bp
Core ROAA 0.72 0.93 (21) bp 0.90 (18) bp
ROAE 7.38 10.08 (270) bp 9.57 (219) bp
ROATCE 7.38 10.08 (270) bp 9.57 (219) bp
Core ROAE 7.24 9.79 (255) bp 8.97 (173) bp
Net Interest Margin 3.40 3.58 (18) bp 3.52 (12) bp
Reported: Net Interest Margin 3.41 3.59 (18) bp 3.45 (4) bp
Efficiency Ratio 75.31 71.21 410 bp 73.82 149 bp
Noninterest Inc/ Operating Rev 22.76 21.40 136 bp 23.60 (84) bp
Balance Sheet Ratios (%)
Loans/ Deposits 77.75 76.37 138 bp 77.37 38 bp
Securities/ Assets 28.39 27.33 106 bp 27.49 90 bp
Total Equity/ Total Assets 9.89 9.61 28 bp 9.96 (7) bp
Tangible Equity/ Tangible Assets 9.89 9.61 28 bp 9.96 (7) bp
Tang Common Equity/ Tang Assets 9.89 9.61 28 bp 9.96 (7) bp
Asset Quality (%)
NPAs/ Assets NA 0.16 NA NA NA
NPA Excl Restructured/ Assets 0.20 0.16 4 bp 0.21 (1) bp
NPAs & 90+ PD/ Assets NA 0.19 NA NA NA
NPAs/ Loans & REO NA 0.26 NA NA NA
Nonaccrual & 90+ & OREO/ Assets 0.22 0.19 3 bp 0.28 (6) bp
NPAs & 90+ PD/ Loans & REO NA 0.29 NA NA NA
NPA & Loans 90+/ Tangible Common Equity + LLR NA 1.80 NA NA NA
NCOs/ Avg Loans 0 (0.02) 2 bp (0.02) 2 bp
Loan Loss Reserves/ Gross Loans 1.28 1.25 3 bp 1.25 3 bp
Reserves/ NPAs NA 488.51 NA NA NA
Loan Loss Provision/ NCO NM NM NM NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA NA NA 115,087 NA
Tier 1 Capital($000) NA NA NA 115,087 NA
Tier 2 Capital($000) NA NA NA 9,883 NA
Total Capital($000) NA NA NA 124,970 NA
Total Risk-weighted Assets($000) NA NA NA 859,247 NA
Tier 1 Common Capital (CET1) Ratio(%) 13.10 13.30 (20) bp 13.40 (30) bp
Tier 1 Ratio(%) 13.10 13.30 (20) bp 13.40 (30) bp
Total Capital Ratio(%) 14.30 14.40 (10) bp 14.50 (20) bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.90 10 (10) bp 9.90 0 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 5,598,501 5,694,452 (1.68) 5,640,742 (3)
Avg Diluted Shares(actual) 5,627,257 5,694,340 (1.18) 5,671,429 (3.12)
Basic Book Value per Share 20.81 18.77 10.87 20.69 2.32
Book Value per Share, As Reported NA 18.77 NA 20.69 NA
Basic Tangible Book Value per Share 20.81 18.77 10.87 20.69 2.32
Tangible Book Value per Share, As Reported NA 18.77 NA 20.69 NA
Common Dividends Declared per Share 0.16 0.15 6.67 0.16 0
EPS after Extra 0.38 0.46 (17.39) 0.49 (89.80)
EPS after Extra Growth(%) (16.50) (8.10) (840) bp 25.60 (4,212) bp
Core EPS 0.37 0.44 (15.91) 0.46 (78.26)
Core EPS Growth(%) (15.60) 22.90 (3,844) bp 5.90 (2,149) bp
Diluted EPS before Amortization 0.38 0.46 (17.39) 0.49 (89.80)
Pre-Provision Earnings per Share 0.39 0.43 (9.30) 0.42 (28.57)

   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.
Copyright 2020, © S&P Global Market Intelligence  Terms of Use
Excel download Social media sharing Email page PDF view Print view Email Alert
Contact us and we’ll answer your questions.