Financial Highlights

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Financial Highlights
2020 FQ3 YTD
9/30/2020
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 1,339,821 1,179,520 1,044,186 900,999 761,250
Total Net Loans 1,100,056 982,188 866,175 754,624 667,963
Total Deposits 1,170,164 1,020,711 905,176 773,306 661,784
Equity Attributable to Parent Company 141,549 140,576 129,787 91,480 81,284
Total Equity 141,549 140,576 129,787 91,480 81,284
Profitability (%)
Net Income($000) 9,310 16,757 14,253 9,236 7,425
Net Income Attributable to Parent($000) 9,310 16,757 14,253 9,236 7,425
ROAA 1 1.51 1.49 1.13 1.08
Core ROAA 1 1.43 1.49 1.29 1.08
ROAE 8.88 12.42 12.27 10.63 9.69
ROATCE NA 12.17 11.93 10.21 9.16
Core ROAE 8.88 11.70 12.27 12.16 9.69
Net Interest Margin 3.71 4.19 4.49 4.61 4.34
Reported: Net Interest Margin 3.71 4.19 4.49 4.61 4.34
Efficiency Ratio 58.01 59.37 58.79 58.75 62.50
Noninterest Inc/ Operating Rev 18.19 18.72 18.55 20.10 24.12
Balance Sheet Ratios (%)
Loans/ Deposits 91.68 97 96.67 96.73 101.88
Securities/ Assets 7.72 5.57 5.99 5.08 5.11
Total Equity/ Total Assets 10.56 11.92 12.43 10.15 10.68
Tangible Equity/ Tangible Assets NA 11.89 12.39 10.15 10.68
Tang Common Equity/ Tang Assets NA 11.89 12.39 10.15 10.68
Asset Quality (%)
NPAs/ Assets 0.02 0.13 0.18 0.12 0.08
NPA Excl Restructured/ Assets 0 0.10 0.15 0.08 0.03
NPAs & 90+ PD/ Assets 0.02 0.13 0.18 0.12 0.08
NPAs/ Loans & REO 0.03 0.16 0.22 0.14 0.09
Nonaccrual & 90+ & OREO/ Assets 0 0.10 0.15 0.08 0.03
NPAs & 90+ PD/ Loans & REO 0.03 0.16 0.22 0.14 0.09
NPA & Loans 90+/ Tangible Common Equity + LLR NA 1.03 1.38 1.03 0.65
NCOs/ Avg Loans 0 0.07 0.09 0.01 0.03
Loan Loss Reserves/ Gross Loans 1.27 1.01 1.10 1.20 1.17
Reserves/ NPAs NM 649.22 503.45 881.29 NM
Loan Loss Provision/ NCO NM 160.17 164.55 NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 139,975 129,893 91,510 81,304
Tier 1 Capital($000) NA 139,975 129,893 91,510 81,304
Tier 2 Capital($000) NA 10,117 9,700 9,203 7,982
Total Capital($000) NA 150,092 139,593 100,713 89,286
Total Risk-weighted Assets($000) NA 988,524 858,513 746,411 668,069
Tier 1 Common Capital (CET1) Ratio(%) 13.67 14.16 15.13 12.26 12.17
Tier 1 Ratio(%) 13.67 14.16 15.13 12.26 12.17
Total Capital Ratio(%) 14.93 15.18 16.26 13.49 13.37
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.85 12.14 12.88 10.46 10.89
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 15,126,270 15,703,276 15,860,306 13,190,527 12,896,548
Avg Diluted Shares(actual) 15,284,190 15,935,314 15,551,063 13,485,791 13,158,155
Basic Book Value per Share 9.36 8.95 8.18 6.94 6.30
Book Value per Share, As Reported 9.36 8.95 8.18 6.94 6.30
Basic Tangible Book Value per Share NA 8.93 8.16 6.94 6.30
Tangible Book Value per Share, As Reported NA NA NA 6.94 6.30
Common Dividends Declared per Share 0.21 0.20 0 0 0
EPS after Extra 0.60 1.03 0.89 0.66 0.53
EPS after Extra Growth(%) (22.10) 15.70 34.80 24.50 23.30
Core EPS 0.60 0.97 0.89 0.76 0.53
Core EPS Growth(%) (15.40) 8.90 17.20 43.30 23.30
Diluted EPS before Amortization NA 1.03 0.89 0.66 0.53
Pre-Provision Earnings per Share 0.87 1.07 1.03 0.86 0.66
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