Financial Highlights

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Financial Highlights
2020 FQ1 YTD
3/31/2020
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
Balance Sheet ($000)
Total Assets 1,602,611 1,537,295 1,351,576 1,053,224 909,305
Total Net Loans 1,280,556 1,271,493 1,127,584 880,952 761,649
Total Deposits 1,344,044 1,285,722 1,162,440 928,163 775,991
Equity Attributable to Parent Company 177,688 179,078 158,336 98,283 79,811
Total Equity 177,688 179,078 158,336 98,283 79,811
Profitability (%)
Net Income($000) 3,733 15,828 10,869 7,690 6,933
Net Income Attributable to Parent($000) 3,733 15,828 10,869 7,690 6,933
ROAA 0.96 1.09 0.94 0.80 0.88
Core ROAA 0.96 1.12 1.20 0.98 0.87
ROAE 8.29 9.32 9.29 8.64 8.91
ROATCE 8.87 9.99 9.46 8.66 8.94
Core ROAE 8.28 9.56 11.94 10.49 8.87
Net Interest Margin 3.35 3.48 3.51 3.43 3.51
Reported: Net Interest Margin 3.37 3.48 3.51 3.43 3.51
Efficiency Ratio 55.56 56.01 54.79 57.78 57.85
Noninterest Inc/ Operating Rev 4.65 5.03 5.06 3.87 4.05
Balance Sheet Ratios (%)
Loans/ Deposits 95.39 98.82 97.79 95.75 98.98
Securities/ Assets 8.34 9.60 9.66 11.50 13.02
Total Equity/ Total Assets 11.09 11.65 11.71 9.33 8.78
Tangible Equity/ Tangible Assets 10.61 11.15 11.16 9.32 8.77
Tang Common Equity/ Tang Assets 10.61 11.15 11.16 9.32 8.77
Asset Quality (%)
NPAs/ Assets 0.71 0.88 0.49 0.59 1.28
NPA Excl Restructured/ Assets 0.71 0.88 0.47 0.44 0.01
NPAs & 90+ PD/ Assets 0.80 0.95 0.57 0.60 1.29
NPAs/ Loans & REO 0.88 1.05 0.58 0.70 1.51
Nonaccrual & 90+ & OREO/ Assets 0.80 0.95 0.55 0.44 0.03
NPAs & 90+ PD/ Loans & REO 0.99 1.13 0.67 0.71 1.53
NPA & Loans 90+/ Tangible Common Equity + LLR 7.08 8.08 4.80 5.96 13.67
NCOs/ Avg Loans 0.02 0.05 0.05 (0.01) 0.19
Loan Loss Reserves/ Gross Loans 0.87 0.80 0.81 0.87 0.84
Reserves/ NPAs 98.25 75.46 138.63 123.32 55.54
Loan Loss Provision/ NCO NM 265.43 395.06 NM 117.02
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA NA NA 99,358 NA
Tier 1 Capital($000) NA NA NA 99,358 NA
Tier 2 Capital($000) NA NA NA 32,052 NA
Total Capital($000) NA NA NA 131,410 NA
Total Risk-weighted Assets($000) NA NA NA 976,971 NA
Tier 1 Common Capital (CET1) Ratio(%) NA NA NA 10.17 NA
Tier 1 Ratio(%) NA NA NA 10.17 NA
Total Capital Ratio(%) NA NA NA 13.46 13.16
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA NA NA 9.81 NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 13,451,678 13,902,067 13,712,615 10,868,984 10,178,909
Avg Diluted Shares(actual) 14,595,447 14,825,489 12,821,757 11,545,408 10,922,471
Basic Book Value per Share 13.21 12.88 11.55 9.04 7.84
Book Value per Share, As Reported 13.21 12.88 11.55 9.04 7.84
Basic Tangible Book Value per Share 12.57 12.26 10.93 9.03 7.83
Tangible Book Value per Share, As Reported 12.57 12.26 10.90 9.03 7.83
Common Dividends Declared per Share 0 0 0 0 0
EPS after Extra 0.26 1.07 0.85 0.67 0.63
EPS after Extra Growth(%) (3.70) 25.90 26.90 6 23.40
Core EPS 0.26 1.10 1.09 0.81 0.63
Core EPS Growth(%) (7) 0.50 34.10 29.40 23.60
Diluted EPS before Amortization 0.27 1.10 0.86 0.67 0.63
Pre-Provision Earnings per Share 0.31 1.17 1.16 0.86 0.71
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