Financial Highlights

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Financial Highlights
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
Balance Sheet ($000)
Total Assets 1,351,961 1,053,224 909,305 736,807 604,756
Total Net Loans 1,127,584 880,952 761,649 617,320 504,373
Total Deposits 1,162,440 928,163 775,991 626,640 504,220
Equity Attributable to Parent Company 158,721 98,283 79,811 72,752 66,815
Total Equity 158,721 98,283 79,811 72,752 66,815
Profitability (%)
Net Income($000) 10,869 7,690 6,933 5,419 4,133
Net Income Attributable to Parent($000) 10,869 7,690 6,933 5,419 4,133
ROAA 0.94 0.80 0.88 0.85 0.76
Core ROAA 1.20 0.98 0.87 0.84 0.75
ROAE 9.29 8.64 8.91 7.70 6.45
ROATCE NA 8.66 8.94 7.73 6.49
Core ROAE 11.86 10.49 8.87 7.65 6.39
Net Interest Margin 3.51 3.43 3.51 3.67 3.65
Reported: Net Interest Margin 3.51 3.43 3.51 3.66 3.63
Efficiency Ratio 55.10 57.78 57.85 61.21 65.11
Noninterest Inc/ Operating Rev 5.06 3.87 4.05 4.56 6.05
Balance Sheet Ratios (%)
Loans/ Deposits 97.79 95.75 98.98 99.51 101.13
Securities/ Assets 9.66 11.50 13.02 9.75 11.01
Total Equity/ Total Assets 11.74 9.33 8.78 9.87 11.05
Tangible Equity/ Tangible Assets NA 9.32 8.77 9.86 11.02
Tang Common Equity/ Tang Assets NA 9.32 8.77 9.86 11.02
Asset Quality (%)
NPAs/ Assets NA 0.59 1.28 1.04 0.55
NPA Excl Restructured/ Assets NA 0.44 0.01 0.35 0.26
NPAs & 90+ PD/ Assets NA 0.60 1.29 1.04 0.56
NPAs/ Loans & REO NA 0.70 1.51 1.22 0.66
Nonaccrual & 90+ & OREO/ Assets NA 0.44 0.03 0.35 0.26
NPAs & 90+ PD/ Loans & REO NA 0.71 1.53 1.22 0.67
NPA & Loans 90+/ Tangible Common Equity + LLR NA 5.96 13.67 9.68 4.70
NCOs/ Avg Loans 0.05 (0.01) 0.19 0.07 0.03
Loan Loss Reserves/ Gross Loans 0.81 0.87 0.84 1 1.09
Reserves/ NPAs NA 123.32 55.54 81.74 165.82
Loan Loss Provision/ NCO 395.06 NM 117.02 268.92 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 99,358 NA 73,246 64,057
Tier 1 Capital($000) NA 99,358 NA 73,246 64,057
Tier 2 Capital($000) NA 32,052 NA 6,239 NA
Total Capital($000) NA 131,410 NA 79,485 69,622
Total Risk-weighted Assets($000) NA 976,971 NA 651,270 511,050
Tier 1 Common Capital (CET1) Ratio(%) NA 10.17 NA 11.25 12.53
Tier 1 Ratio(%) NA 10.17 NA 11.25 12.53
Total Capital Ratio(%) NA 13.46 13.16 12.20 13.62
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA 9.81 NA 10.82 10.96
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 13,712,615 10,868,984 10,178,909 10,141,281 10,137,691
Avg Diluted Shares(actual) 12,821,757 11,545,408 10,922,471 10,591,000 10,283,000
Basic Book Value per Share 11.57 9.04 7.84 7.17 6.59
Book Value per Share, As Reported 11.57 9.04 7.84 7.18 6.59
Basic Tangible Book Value per Share NA 9.03 7.83 7.16 6.57
Tangible Book Value per Share, As Reported 10.93 9.03 7.83 7.16 6.58
Common Dividends Declared per Share 0 0 0 0 0
EPS after Extra 0.85 0.67 0.63 0.51 0.41
EPS after Extra Growth(%) 26.90 6 23.40 24.90 64
Core EPS 1.08 0.81 0.63 0.51 0.41
Core EPS Growth(%) 33.30 29.40 23.60 25.30 71.80
Diluted EPS before Amortization NA 0.67 0.63 0.51 0.41
Pre-Provision Earnings per Share 1.16 0.86 0.71 0.57 0.46
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