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Financial Highlights Report

Financial Highlights
2019 FQ2
6/30/2019
2018 FQ2
6/30/2018
Y-Y Ch (%)
2019 FQ1
3/31/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 1,866,344 1,437,302 29.85 1,840,129 5.70
Total Net Loans 1,521,041 1,128,282 34.81 1,504,455 4.41
Total Deposits 1,476,488 1,061,599 39.08 1,461,324 4.15
Equity Attributable to Parent Company 192,416 148,823 29.29 189,695 5.74
Total Equity 192,416 148,823 29.29 189,695 5.74
Profitability (%)
Net Income($000) 6,244 2,992 108.69 5,823 28.92
Net Income Attributable to Parent($000) 6,244 2,992 108.69 5,823 28.92
ROAA 1.35 0.85 50 bp 1.28 7 bp
Core ROAA 1.19 1.01 18 bp 1.29 (10) bp
ROAE 12.98 8.10 488 bp 12.39 59 bp
ROATCE 15.51 9.99 552 bp 14.88 63 bp
Core ROAE 11.47 9.54 193 bp 12.56 (109) bp
Net Interest Margin 3.48 3.42 6 bp 3.41 7 bp
Reported: Net Interest Margin 3.49 3.43 6 bp 3.46 3 bp
Efficiency Ratio 54.49 63.07 (858) bp 54.71 (22) bp
Noninterest Inc/ Operating Rev 16.06 20.57 (451) bp 20.10 (404) bp
Balance Sheet Ratios (%)
Loans/ Deposits 103.67 107.06 (339) bp 103.58 9 bp
Securities/ Assets 11.09 13.22 (213) bp 11.16 (7) bp
Total Equity/ Total Assets 10.31 10.35 (4) bp 10.31 0 bp
Tangible Equity/ Tangible Assets 8.88 8.70 18 bp 8.86 2 bp
Tang Common Equity/ Tang Assets 8.88 8.70 18 bp 8.86 2 bp
Asset Quality (%)
NPAs/ Assets 1.13 1.66 (53) bp 1.35 (22) bp
NPA Excl Restructured/ Assets 1.06 1.53 (47) bp 1.30 (24) bp
NPAs & 90+ PD/ Assets 1.13 1.66 (53) bp 1.35 (22) bp
NPAs/ Loans & REO 1.37 2.09 (72) bp 1.64 (27) bp
Nonaccrual & 90+ & OREO/ Assets 1.06 1.53 (47) bp 1.30 (24) bp
NPAs & 90+ PD/ Loans & REO 1.37 2.09 (72) bp 1.64 (27) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 12.19 18.16 (597) bp 14.69 (250) bp
NCOs/ Avg Loans 0.09 (0.01) 10 bp 0.04 5 bp
Loan Loss Reserves/ Gross Loans 0.63 0.73 (10) bp 0.61 2 bp
Reserves/ NPAs 45.70 34.72 1,098 bp 36.89 881 bp
Loan Loss Provision/ NCO 228.91 NM NM 366.03 (13,712) bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 122,161 NA NA NA
Tier 1 Capital($000) NA 135,048 NA NA NA
Tier 2 Capital($000) NA 23,230 NA NA NA
Total Capital($000) NA 158,278 NA NA NA
Total Risk-weighted Assets($000) NA 1,135,394 NA NA NA
Tier 1 Common Capital (CET1) Ratio(%) NA 10.76 NA NA NA
Tier 1 Ratio(%) NA 11.89 NA NA NA
Total Capital Ratio(%) NA 13.94 NA NA NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA 9.81 NA NA NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 9,456,778 7,929,613 19.26 9,382,639 3.16
Avg Diluted Shares(actual) 9,406,175 7,911,379 18.89 9,460,118 (2.28)
Basic Book Value per Share 20.35 18.77 8.42 20.22 2.57
Book Value per Share, As Reported 20.35 18.77 8.42 20.03 6.39
Basic Tangible Book Value per Share 17.25 15.48 11.43 17.09 3.74
Tangible Book Value per Share, As Reported 17.25 15.48 11.43 16.93 7.56
Common Dividends Declared per Share 0.08 0.08 0 0.08 0
EPS after Extra 0.66 0.38 73.68 0.62 25.81
EPS after Extra Growth(%) 73.70 52 2,168 bp 264.70 (19,103) bp
Core EPS 0.58 0.45 28.89 0.63 (31.75)
Core EPS Growth(%) 30.30 40.40 (1,014) bp 22.20 807 bp
Diluted EPS before Amortization 0.67 0.39 71.79 0.63 25.40
Pre-Provision Earnings per Share 0.65 0.49 32.65 0.66 (6.06)

   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.


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.