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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 786,792 731,722 707,063 669,978 650,314
Total Net Loans 559,836 543,175 511,472 470,158 418,256
Total Deposits 658,119 606,498 583,259 540,785 525,042
Equity Attributable to Parent Company 83,614 76,536 70,532 65,415 61,266
Total Equity 83,614 76,536 70,532 65,415 61,266
Profitability (%)
Net Income($000) 7,821 9,412 7,101 6,738 6,022
Net Income Attributable to Parent($000) 7,821 9,412 7,101 6,738 6,022
ROAA 1.39 1.31 1.02 1.03 0.95
Core ROAA 1.40 1.33 1.05 1.05 0.96
ROAE 12.96 12.89 10.33 10.44 10.07
ROATCE 13.86 13.95 11.27 11.49 11.20
Core ROAE 13.01 13.01 10.59 10.63 10.15
Net Interest Margin 4.05 3.98 3.80 3.67 3.48
Reported: Net Interest Margin 4.06 3.98 3.80 3.67 3.48
Efficiency Ratio 57.75 58.17 58.96 59.98 62.37
Noninterest Inc/ Operating Rev 15.73 15.12 15.07 16.44 17.61
Balance Sheet Ratios (%)
Loans/ Deposits 86.04 90.52 88.61 87.92 80.54
Securities/ Assets 13.90 15.16 18.12 19.76 25.59
Total Equity/ Total Assets 10.63 10.46 9.98 9.76 9.42
Tangible Equity/ Tangible Assets 10.07 9.86 9.33 9.07 8.69
Tang Common Equity/ Tang Assets 10.07 9.86 9.33 9.07 8.69
Asset Quality (%)
NPAs/ Assets 0.68 0.43 0.62 1.72 1.34
NPA Excl Restructured/ Assets 0.41 0.25 0.33 0.22 0.24
NPAs & 90+ PD/ Assets 0.68 0.46 0.68 1.76 1.36
NPAs/ Loans & REO 0.95 0.58 0.85 2.43 2.06
Nonaccrual & 90+ & OREO/ Assets 0.41 0.27 0.39 0.25 0.26
NPAs & 90+ PD/ Loans & REO 0.95 0.61 0.93 2.48 2.09
NPA & Loans 90+/ Tangible Common Equity + LLR 6.27 4.33 6.79 17.95 14.55
NCOs/ Avg Loans 0 0.19 0.17 (0.03) 0.03
Loan Loss Reserves/ Gross Loans 1.20 1.08 1.08 1.11 1.10
Reserves/ NPAs 126.25 185.64 127.71 45.86 53.43
Loan Loss Provision/ NCO NM 129.91 137.62 NM 360.19
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 73,053 66,203 61,246 56,540
Tier 1 Capital($000) NA 73,053 66,203 61,246 56,540
Tier 2 Capital($000) NA 5,915 5,612 5,299 4,670
Total Capital($000) NA 78,968 71,815 66,545 61,210
Total Risk-weighted Assets($000) NA 543,954 521,283 486,852 452,682
Tier 1 Common Capital (CET1) Ratio(%) 13.90 13.43 12.70 12.58 12.49
Tier 1 Ratio(%) 13.90 13.43 12.70 12.58 12.49
Total Capital Ratio(%) 15.10 14.52 13.78 13.67 13.52
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.20 10.07 9.31 9.30 8.74
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 2,742,350 2,742,242 2,742,242 2,742,242 2,740,996
Avg Diluted Shares(actual) 2,742,278 2,742,242 2,742,242 2,742,028 2,742,108
Basic Book Value per Share 30.49 27.91 25.72 23.85 22.35
Book Value per Share, As Reported 30.49 27.91 25.72 23.85 22.35
Basic Tangible Book Value per Share 28.72 26.12 23.90 21.99 20.44
Tangible Book Value per Share, As Reported NA 26.13 23.90 21.99 20.44
Common Dividends Declared per Share 0.80 0.98 0.84 0.78 0.76
EPS after Extra 2.85 3.43 2.59 2.46 2.20
EPS after Extra Growth(%) 13.10 32.40 5.30 11.80 2.30
Core EPS 2.86 3.46 2.65 2.50 2.22
Core EPS Growth(%) 12.50 30.40 6 13 3.10
Diluted EPS before Amortization 2.87 3.47 2.63 2.50 2.25
Pre-Provision Earnings per Share 3.04 3.74 2.72 2.44 2.14
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