Financial Highlights

Financial Highlights
2019 FQ3 YTD
9/30/2019
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 1,132,164 1,069,692 970,801 945,177 948,722
Total Net Loans 794,665 756,364 703,983 630,269 606,811
Total Deposits 923,434 894,231 847,024 849,925 877,997
Equity Attributable to Parent Company 104,327 92,097 72,673 32,733 32,017
Total Equity 104,327 92,097 72,673 32,733 32,017
Profitability (%)
Net Income($000) 8,754 8,794 38,453 (2,753) (3,213)
Net Income Attributable to Parent($000) 8,754 8,794 38,453 (2,753) (3,213)
ROAA 1.07 0.86 4.06 (0.30) (0.33)
Core ROAA 1.07 0.83 6.18 0.27 (0.48)
ROAE 11.86 10.36 101.59 (6.98) (9.71)
ROATCE 11.74 10.15 96.61 (7) (9.32)
Core ROAE 11.87 10.01 154.85 6.40 (14.26)
Net Interest Margin 3.44 3.52 3.48 3.42 3.27
Reported: Net Interest Margin 3.46 3.53 3.48 3.42 3.27
Efficiency Ratio 70.30 72.33 78.49 86.22 92.31
Noninterest Inc/ Operating Rev 13.88 13.81 14.12 14.45 14.59
Balance Sheet Ratios (%)
Loans/ Deposits 87.02 85.58 84.07 75.21 70.46
Securities/ Assets 18.54 19.48 16.49 21.36 20.49
Total Equity/ Total Assets 9.21 8.61 7.49 3.46 3.37
Tangible Equity/ Tangible Assets 9.21 8.61 7.49 3.45 3.33
Tang Common Equity/ Tang Assets 9.21 8.61 7.20 3.16 3.04
Asset Quality (%)
NPAs/ Assets 0.51 0.60 1.14 2.26 5.35
NPA Excl Restructured/ Assets 0.50 0.51 1.02 1.70 3.51
NPAs & 90+ PD/ Assets 0.51 0.60 1.14 2.26 5.35
NPAs/ Loans & REO 0.72 0.83 1.55 3.31 7.95
Nonaccrual & 90+ & OREO/ Assets 0.50 0.51 1.02 1.70 3.51
NPAs & 90+ PD/ Loans & REO 0.72 0.83 1.55 3.31 7.95
NPA & Loans 90+/ Tangible Common Equity + LLR 5.12 6.32 14.19 55.09 124.23
NCOs/ Avg Loans 0 (0.16) (0.01) 0.10 0.44
Loan Loss Reserves/ Gross Loans 1.11 1.16 1.15 1.40 1.95
Reserves/ NPAs 153.46 139.05 74.01 41.93 23.73
Loan Loss Provision/ NCO NM NM NM NM (159.40)
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 89,355 80,219 54,535 36,199 33,368
Tier 1 Capital($000) 104,222 94,153 66,487 48,713 45,174
Tier 2 Capital($000) 25,904 9,825 16,585 22,396 23,356
Total Capital($000) 130,126 103,978 83,072 71,109 68,530
Total Risk-weighted Assets($000) 876,889 849,778 787,674 696,429 655,447
Tier 1 Common Capital (CET1) Ratio(%) 10.19 9.44 6.92 5.20 5.09
Tier 1 Ratio(%) 11.88 11.08 8.44 6.99 6.89
Total Capital Ratio(%) 14.84 12.23 10.55 10.21 10.46
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.66 9 7.11 5.27 4.74
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 7,471,582 7,462,720 6,259,864 6,224,533 5,389,507
Avg Diluted Shares(actual) 7,387,637 7,042,693 6,091,932 5,788,713 4,649,002
Basic Book Value per Share 13.96 12.34 11.17 4.81 5.43
Book Value per Share, As Reported 13.96 12.34 11.17 4.81 5.43
Basic Tangible Book Value per Share 13.96 12.34 11.17 4.80 5.34
Tangible Book Value per Share, As Reported 13.96 12.34 11.17 4.79 5.33
Common Dividends Declared per Share 0 0 0 0 0
EPS after Extra 1.17 1.23 6.15 (0.46) (0.62)
EPS after Extra Growth(%) 30 (80) NM NM NM
Core EPS 1.17 1.19 9.46 0.45 (0.94)
Core EPS Growth(%) 32.50 (87.40) NM NM NM
Diluted EPS before Amortization 1.17 1.23 6.17 (0.40) (0.55)
Pre-Provision Earnings per Share 0.93 1.10 0.42 0.31 (1.38)
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