Financial Highlights

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Financial Highlights
2019 FQ2 YTD
6/30/2019
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 1,127,556 1,044,186 900,999 761,250 617,350
Total Net Loans 938,726 866,175 754,624 667,963 506,475
Total Deposits 974,672 905,176 773,306 661,784 519,721
Equity Attributable to Parent Company 135,482 129,787 91,480 81,284 72,479
Total Equity 135,482 129,787 91,480 81,284 72,479
Profitability (%)
Net Income($000) 8,576 14,253 9,236 7,425 5,963
Net Income Attributable to Parent($000) 8,576 14,253 9,236 7,425 5,963
ROAA 1.60 1.49 1.13 1.08 1.05
Core ROAA 1.42 1.49 1.29 1.08 1.05
ROAE 12.97 12.27 10.63 9.69 8.63
ROATCE 12.66 11.93 10.21 9.16 8.04
Core ROAE 11.50 12.27 12.16 9.69 8.63
Net Interest Margin 4.29 4.49 4.61 4.34 4.20
Reported: Net Interest Margin 4.32 4.49 4.61 4.34 4.20
Efficiency Ratio 60.88 58.79 58.75 62.50 64.94
Noninterest Inc/ Operating Rev 18.39 18.55 20.10 24.12 26.17
Balance Sheet Ratios (%)
Loans/ Deposits 97.16 96.67 96.73 101.88 97.61
Securities/ Assets 5.32 5.99 5.08 5.11 7.54
Total Equity/ Total Assets 12.02 12.43 10.15 10.68 11.74
Tangible Equity/ Tangible Assets 11.98 12.39 10.15 10.68 11.74
Tang Common Equity/ Tang Assets 11.98 12.39 10.15 10.68 11.74
Asset Quality (%)
NPAs/ Assets 0.14 0.18 0.12 0.08 0.17
NPA Excl Restructured/ Assets 0.11 0.15 0.08 0.03 0.11
NPAs & 90+ PD/ Assets 0.14 0.18 0.12 0.08 0.17
NPAs/ Loans & REO 0.16 0.22 0.14 0.09 0.20
Nonaccrual & 90+ & OREO/ Assets 0.11 0.15 0.08 0.03 0.11
NPAs & 90+ PD/ Loans & REO 0.16 0.22 0.14 0.09 0.20
NPA & Loans 90+/ Tangible Common Equity + LLR 1.08 1.38 1.03 0.65 1.32
NCOs/ Avg Loans 0.11 0.09 0.01 0.03 (0.02)
Loan Loss Reserves/ Gross Loans 1 1.10 1.20 1.17 1.25
Reserves/ NPAs 612.15 503.45 881.29 NM 615.01
Loan Loss Provision/ NCO 78.32 164.55 NM NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 134,887 129,893 91,510 81,304 72,602
Tier 1 Capital($000) 134,887 129,893 91,510 81,304 72,602
Tier 2 Capital($000) 9,601 9,700 9,203 7,982 6,358
Total Capital($000) 144,488 139,593 100,713 89,286 78,960
Total Risk-weighted Assets($000) 935,416 858,513 746,411 668,069 508,417
Tier 1 Common Capital (CET1) Ratio(%) 14.42 15.13 12.26 12.17 14.28
Tier 1 Ratio(%) 14.42 15.13 12.26 12.17 14.28
Total Capital Ratio(%) 15.45 16.26 13.49 13.37 15.53
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 12.24 12.88 10.46 10.89 11.70
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 15,723,007 15,860,306 13,190,527 12,896,548 12,682,510
Avg Diluted Shares(actual) 16,006,499 15,551,063 13,485,791 13,158,155 12,944,867
Basic Book Value per Share 8.62 8.18 6.94 6.30 5.71
Book Value per Share, As Reported 8.62 8.18 6.94 6.30 5.71
Basic Tangible Book Value per Share 8.59 8.16 6.94 6.30 5.71
Tangible Book Value per Share, As Reported NA NA 6.94 6.30 5.71
Common Dividends Declared per Share 0.10 0 0 0 0
EPS after Extra 0.52 0.89 0.66 0.53 0.43
EPS after Extra Growth(%) 15.60 34.80 24.50 23.30 2.40
Core EPS 0.46 0.89 0.76 0.53 0.43
Core EPS Growth(%) 2.10 17.20 43.30 23.30 2.40
Diluted EPS before Amortization 0.52 0.89 0.66 0.53 0.43
Pre-Provision Earnings per Share 0.50 1.03 0.86 0.66 0.51
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