Financial Highlights

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Financial Highlights
2019 FQ1 YTD
3/31/2019
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 1,419,763 1,351,576 1,053,224 909,305 736,807
Total Net Loans 1,169,429 1,127,584 880,952 761,649 617,320
Total Deposits 1,212,695 1,162,440 928,163 775,991 626,640
Equity Attributable to Parent Company 163,993 158,336 98,283 79,811 72,752
Total Equity 163,993 158,336 98,283 79,811 72,752
Profitability (%)
Net Income($000) 3,926 10,869 7,690 6,933 5,419
Net Income Attributable to Parent($000) 3,926 10,869 7,690 6,933 5,419
ROAA 1.16 0.94 0.80 0.88 0.85
Core ROAA 1.20 1.20 0.98 0.87 0.84
ROAE 9.74 9.29 8.64 8.91 7.70
ROATCE 10.48 9.46 8.66 8.94 7.73
Core ROAE 10.06 11.94 10.49 8.87 7.65
Net Interest Margin 3.60 3.51 3.43 3.51 3.67
Reported: Net Interest Margin 3.65 3.51 3.43 3.51 3.66
Efficiency Ratio 53.86 54.79 57.78 57.85 61.21
Noninterest Inc/ Operating Rev 5.90 5.06 3.87 4.05 4.56
Balance Sheet Ratios (%)
Loans/ Deposits 97.22 97.79 95.75 98.98 99.51
Securities/ Assets 10.20 9.66 11.50 13.02 9.75
Total Equity/ Total Assets 11.55 11.71 9.33 8.78 9.87
Tangible Equity/ Tangible Assets 11.03 11.16 9.32 8.77 9.86
Tang Common Equity/ Tang Assets 11.03 11.16 9.32 8.77 9.86
Asset Quality (%)
NPAs/ Assets 0.76 0.49 0.59 1.28 1.04
NPA Excl Restructured/ Assets 0.48 0.47 0.44 0.01 0.35
NPAs & 90+ PD/ Assets 0.83 0.57 0.60 1.29 1.04
NPAs/ Loans & REO 0.92 0.58 0.70 1.51 1.22
Nonaccrual & 90+ & OREO/ Assets 0.54 0.55 0.44 0.03 0.35
NPAs & 90+ PD/ Loans & REO 0.99 0.67 0.71 1.53 1.22
NPA & Loans 90+/ Tangible Common Equity + LLR 7.11 4.80 5.96 13.67 9.68
NCOs/ Avg Loans 0.06 0.05 (0.01) 0.19 0.07
Loan Loss Reserves/ Gross Loans 0.81 0.81 0.87 0.84 1
Reserves/ NPAs 87.61 138.63 123.32 55.54 81.74
Loan Loss Provision/ NCO 317.90 395.06 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) 13,755,249 13,712,615 10,868,984 10,178,909 10,141,281
Avg Diluted Shares(actual) 14,779,955 12,821,757 11,545,408 10,922,471 10,591,000
Basic Book Value per Share 11.92 11.55 9.04 7.84 7.17
Book Value per Share, As Reported 11.92 11.55 9.04 7.84 7.18
Basic Tangible Book Value per Share 11.32 10.93 9.03 7.83 7.16
Tangible Book Value per Share, As Reported 11.32 10.93 9.03 7.83 7.16
Common Dividends Declared per Share 0 0 0 0 0
EPS after Extra 0.27 0.85 0.67 0.63 0.51
EPS after Extra Growth(%) 8 26.90 6 23.40 24.90
Core EPS 0.28 1.09 0.81 0.63 0.51
Core EPS Growth(%) 11.50 34.10 29.40 23.60 25.30
Diluted EPS before Amortization 0.28 0.86 0.67 0.63 0.51
Pre-Provision Earnings per Share 0.31 1.16 0.86 0.71 0.57
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