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Financial Highlights

Financial Highlights
2019 FY
12/31/2019
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 872,500 805,337 745,831 691,381 628,879
Total Net Loans NA 640,559 589,949 536,495 501,455
Total Deposits 744,000 706,770 647,574 597,660 560,408
Equity Attributable to Parent Company 71,800 64,491 58,661 56,279 53,568
Total Equity 71,800 64,491 58,661 56,279 53,568
Profitability (%)
Net Income($000) 10,600 7,072 8,449 8,511 7,878
Net Income Attributable to Parent($000) 10,600 7,072 8,449 8,511 7,878
ROAA 1.29 0.94 1.21 1.30 1.27
Core ROAA NA 1.34 1.29 1.31 1.28
ROAE 15.54 11.80 14.53 15.25 14.80
ROATCE 16.35 12.59 15.49 16.34 15.97
Core ROAE NA 16.83 15.47 15.28 14.94
Net Interest Margin 4.05 4.05 4.19 4.14 4.07
Reported: Net Interest Margin 4.05 4.08 4.22 4.17 4.10
Efficiency Ratio 67.17 65.99 64.06 66.04 64.15
Noninterest Inc/ Operating Rev 25.32 23.98 25.95 28.75 29.58
Balance Sheet Ratios (%)
Loans/ Deposits NA 91.03 90.71 89.34 89.40
Securities/ Assets NA 9.48 9.22 9.97 9.74
Total Equity/ Total Assets 8.23 8.01 7.87 8.14 8.52
Tangible Equity/ Tangible Assets 7.97 7.71 7.52 7.74 8.06
Tang Common Equity/ Tang Assets 7.97 7.71 7.52 7.74 8.06
Asset Quality (%)
NPAs/ Assets NA 0.45 0.47 0.83 0.66
NPA Excl Restructured/ Assets NA 0.09 0.15 0.43 0.35
NPAs & 90+ PD/ Assets NA 0.59 0.54 0.95 0.79
NPAs/ Loans & REO NA 0.56 0.59 1.06 0.82
Nonaccrual & 90+ & OREO/ Assets NA 0.23 0.21 0.55 0.49
NPAs & 90+ PD/ Loans & REO NA 0.74 0.67 1.21 0.98
NPA & Loans 90+/ Tangible Common Equity + LLR NA 7.08 6.55 11.21 8.97
NCOs/ Avg Loans NA 0.02 0.01 0.02 0.01
Loan Loss Reserves/ Gross Loans NA 0.89 0.91 0.97 1.03
Reserves/ NPAs NA 157.53 153.72 91.67 125.26
Loan Loss Provision/ NCO NA 378.15 512.82 144.23 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 62,877 61,064 56,881 53,277
Tier 1 Capital($000) NA 62,877 61,064 56,881 53,277
Tier 2 Capital($000) NA 5,739 5,408 5,247 5,201
Total Capital($000) NA 68,616 66,472 62,128 58,478
Total Risk-weighted Assets($000) NA 533,761 486,566 466,238 435,982
Tier 1 Common Capital (CET1) Ratio(%) NA 11.78 12.55 12.20 12.22
Tier 1 Ratio(%) NA 11.78 12.55 12.20 12.22
Total Capital Ratio(%) NA 12.86 13.66 13.32 13.42
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA 8.03 8.46 8.40 8.54
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 4,470,735 4,466,679 4,465,576 4,462,135 4,457,177
Avg Diluted Shares(actual) 4,453,782 4,465,675 4,462,192 4,459,001 4,458,037
Basic Book Value per Share 16.06 14.44 13.14 12.61 12.02
Book Value per Share, As Reported 16.06 14.44 13.14 12.61 12.02
Basic Tangible Book Value per Share 15.51 13.85 12.51 11.95 11.31
Tangible Book Value per Share, As Reported NA NA NA NA NA
Common Dividends Declared per Share 1.24 1.20 1.16 1.11 1.08
EPS after Extra 2.38 1.58 1.89 1.91 1.77
EPS after Extra Growth(%) 50.60 (16.40) (1) 7.90 2.30
Core EPS NA 2.25 2.01 1.91 1.79
Core EPS Growth(%) NA 12 5.10 7.10 4.60
Diluted EPS before Amortization 2.42 1.62 1.93 1.95 1.81
Pre-Provision Earnings per Share 2.34 2.17 1.78 1.62 1.61
Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.