Financial Highlights

Financial Highlights
2019 FQ1 YTD
3/31/2019
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 1,333,465 1,336,891 1,347,420 1,357,283 1,342,313
Total Net Loans 759,374 761,377 687,659 644,490 607,889
Total Deposits 1,183,149 1,182,910 1,198,164 1,199,717 1,165,393
Equity Attributable to Parent Company 130,288 127,667 132,658 141,114 147,341
Total Equity 130,288 127,667 132,658 141,114 147,341
Profitability (%)
Net Income($000) (5,141) 17,699 10,609 14,501 12,082
Net Income Attributable to Parent($000) (5,141) 17,699 10,609 14,501 12,082
ROAA (1.54) 1.33 0.79 1.08 0.93
Core ROAA 1.34 1.38 1.12 0.98 0.91
ROAE (15.94) 14.72 8.04 10.13 8.67
ROATCE (15.94) 14.72 8.04 10.13 8.67
Core ROAE 13.86 15.25 11.32 9.16 8.49
Net Interest Margin 3.83 3.61 3.33 3.12 3.15
Reported: Net Interest Margin 3.83 3.61 3.28 3.07 3.11
Efficiency Ratio 63.57 63.38 63.55 67.90 71.74
Noninterest Inc/ Operating Rev 24.40 26.42 28.50 29.11 29.15
Balance Sheet Ratios (%)
Loans/ Deposits 64.82 64.98 58 54.37 52.97
Securities/ Assets 2.82 30.60 35.93 39.27 40.40
Total Equity/ Total Assets 9.77 9.55 9.85 10.40 10.98
Tangible Equity/ Tangible Assets 9.77 9.55 9.85 10.40 10.98
Tang Common Equity/ Tang Assets 9.77 9.55 9.85 10.40 10.98
Asset Quality (%)
NPAs/ Assets 0.80 0.80 1.09 1.51 2.23
NPA Excl Restructured/ Assets 0.54 0.47 0.38 0.46 0.82
NPAs & 90+ PD/ Assets 0.80 0.80 1.09 1.51 2.23
NPAs/ Loans & REO 1.38 1.40 2.11 3.12 4.82
Nonaccrual & 90+ & OREO/ Assets 0.54 0.47 0.38 0.46 0.82
NPAs & 90+ PD/ Loans & REO 1.39 1.40 2.12 3.13 4.82
NPA & Loans 90+/ Tangible Common Equity + LLR 7.74 7.94 10.50 13.68 18.91
NCOs/ Avg Loans 0.14 (0.03) 0.01 0.04 (0.11)
Loan Loss Reserves/ Gross Loans 0.98 1.01 1.10 1.30 1.76
Reserves/ NPAs 70.72 72.27 52.03 41.36 36.41
Loan Loss Provision/ NCO 0 NM NM NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 130,042 137,374 140,364 145,144 144,857
Tier 1 Capital($000) 130,042 137,374 140,364 145,144 144,857
Tier 2 Capital($000) 7,838 8,106 8,023 8,813 9,861
Total Capital($000) 137,880 145,480 148,387 153,957 154,718
Total Risk-weighted Assets($000) 872,765 921,355 853,495 839,226 781,634
Tier 1 Common Capital (CET1) Ratio(%) 14.90 14.91 16.45 17.30 18.53
Tier 1 Ratio(%) 14.90 14.91 16.45 17.30 18.53
Total Capital Ratio(%) 15.80 15.79 17.39 18.35 19.79
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.66 10.28 10.44 10.89 11.04
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 23,036,758 23,033,715 22,907,844 22,777,882 22,790,707
Avg Diluted Shares(actual) 23,035,369 23,069,054 23,019,716 22,937,193 22,916,754
Basic Book Value per Share 5.66 5.54 5.79 6.20 6.46
Book Value per Share, As Reported NA 5.54 5.79 6.20 6.46
Basic Tangible Book Value per Share 5.66 5.54 5.79 6.20 6.46
Common Dividends Declared per Share 0.10 0.93 0.92 0.64 0
EPS after Extra (0.22) 0.77 0.46 0.63 0.53
EPS after Extra Growth(%) NM 67.40 (27) 18.90 60.60
Core EPS 0.19 0.80 0.65 0.57 0.52
Core EPS Growth(%) 10.20 23.30 13.70 9.80 48.50
Diluted EPS before Amortization (0.22) 0.77 0.46 0.63 0.53
Pre-Provision Earnings per Share 0.19 0.77 0.56 0.46 0.39
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