Financial Highlights

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Financial Highlights
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
Balance Sheet ($000)
Total Assets 1,537,295 1,351,576 1,053,224 909,305 736,807
Total Net Loans 1,271,493 1,127,584 880,952 761,649 617,320
Total Deposits 1,285,722 1,162,440 928,163 775,991 626,640
Equity Attributable to Parent Company 179,078 158,336 98,283 79,811 72,752
Total Equity 179,078 158,336 98,283 79,811 72,752
Profitability (%)
Net Income($000) 15,828 10,869 7,690 6,933 5,419
Net Income Attributable to Parent($000) 15,828 10,869 7,690 6,933 5,419
ROAA 1.09 0.94 0.80 0.88 0.85
Core ROAA 1.10 1.20 0.98 0.87 0.84
ROAE 9.32 9.29 8.64 8.91 7.70
ROATCE NA 9.46 8.66 8.94 7.73
Core ROAE 9.38 11.94 10.49 8.87 7.65
Net Interest Margin 3.48 3.51 3.43 3.51 3.67
Reported: Net Interest Margin 3.48 3.51 3.43 3.51 3.66
Efficiency Ratio 56.80 54.79 57.78 57.85 61.21
Noninterest Inc/ Operating Rev 5.03 5.06 3.87 4.05 4.56
Balance Sheet Ratios (%)
Loans/ Deposits 98.82 97.79 95.75 98.98 99.51
Securities/ Assets 9.60 9.66 11.50 13.02 9.75
Total Equity/ Total Assets 11.65 11.71 9.33 8.78 9.87
Tangible Equity/ Tangible Assets 11.15 11.16 9.32 8.77 9.86
Tang Common Equity/ Tang Assets 11.15 11.16 9.32 8.77 9.86
Asset Quality (%)
NPAs/ Assets NA 0.49 0.59 1.28 1.04
NPA Excl Restructured/ Assets NA 0.47 0.44 0.01 0.35
NPAs & 90+ PD/ Assets NA 0.57 0.60 1.29 1.04
NPAs/ Loans & REO NA 0.58 0.70 1.51 1.22
Nonaccrual & 90+ & OREO/ Assets NA 0.55 0.44 0.03 0.35
NPAs & 90+ PD/ Loans & REO NA 0.67 0.71 1.53 1.22
NPA & Loans 90+/ Tangible Common Equity + LLR NA 4.80 5.96 13.67 9.68
NCOs/ Avg Loans 0.05 0.05 (0.01) 0.19 0.07
Loan Loss Reserves/ Gross Loans 0.80 0.81 0.87 0.84 1
Reserves/ NPAs NA 138.63 123.32 55.54 81.74
Loan Loss Provision/ NCO 265.43 395.06 NM 117.02 268.92
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA NA 99,358 NA 73,246
Tier 1 Capital($000) NA NA 99,358 NA 73,246
Tier 2 Capital($000) NA NA 32,052 NA 6,239
Total Capital($000) NA NA 131,410 NA 79,485
Total Risk-weighted Assets($000) NA NA 976,971 NA 651,270
Tier 1 Common Capital (CET1) Ratio(%) NA NA 10.17 NA 11.25
Tier 1 Ratio(%) NA NA 10.17 NA 11.25
Total Capital Ratio(%) NA NA 13.46 13.16 12.20
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA NA 9.81 NA 10.82
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 13,902,067 13,712,615 10,868,984 10,178,909 10,141,281
Avg Diluted Shares(actual) 14,825,489 12,821,757 11,545,408 10,922,471 10,591,000
Basic Book Value per Share 12.88 11.55 9.04 7.84 7.17
Book Value per Share, As Reported 12.88 11.55 9.04 7.84 7.18
Basic Tangible Book Value per Share 12.26 10.93 9.03 7.83 7.16
Tangible Book Value per Share, As Reported 12.26 10.90 9.03 7.83 7.16
Common Dividends Declared per Share 0 0 0 0 0
EPS after Extra 1.07 0.85 0.67 0.63 0.51
EPS after Extra Growth(%) 25.90 26.90 6 23.40 24.90
Core EPS 1.08 1.09 0.81 0.63 0.51
Core EPS Growth(%) (1.40) 34.10 29.40 23.60 25.30
Diluted EPS before Amortization NA 0.86 0.67 0.63 0.51
Pre-Provision Earnings per Share 1.17 1.16 0.86 0.71 0.57
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