Financial Highlights

Financial Highlights
2019 FQ2 YTD
6/30/2019
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 1,326,547 1,336,891 1,347,420 1,357,283 1,342,313
Total Net Loans 761,790 761,377 687,659 644,490 607,889
Total Deposits 1,171,000 1,182,910 1,198,164 1,199,717 1,165,393
Equity Attributable to Parent Company 135,437 127,667 132,658 141,114 147,341
Total Equity 135,437 127,667 132,658 141,114 147,341
Profitability (%)
Net Income($000) 1,196 17,699 10,609 14,501 12,082
Net Income Attributable to Parent($000) 1,196 17,699 10,609 14,501 12,082
ROAA 0.18 1.33 0.79 1.08 0.93
Core ROAA 1.56 1.38 1.12 0.98 0.91
ROAE 1.83 14.72 8.04 10.13 8.67
ROATCE 1.83 14.72 8.04 10.13 8.67
Core ROAE 15.88 15.25 11.32 9.16 8.49
Net Interest Margin 3.84 3.61 3.33 3.12 3.15
Reported: Net Interest Margin NA 3.61 3.28 3.07 3.11
Efficiency Ratio 58.75 63.38 63.55 67.90 71.74
Noninterest Inc/ Operating Rev 24.67 26.42 28.50 29.11 29.15
Balance Sheet Ratios (%)
Loans/ Deposits 65.71 64.98 58 54.37 52.97
Securities/ Assets 9.34 30.60 35.93 39.27 40.40
Total Equity/ Total Assets 10.21 9.55 9.85 10.40 10.98
Tangible Equity/ Tangible Assets 10.21 9.55 9.85 10.40 10.98
Tang Common Equity/ Tang Assets 10.21 9.55 9.85 10.40 10.98
Asset Quality (%)
NPAs/ Assets 0.85 0.80 1.09 1.51 2.23
NPA Excl Restructured/ Assets 0.58 0.47 0.38 0.46 0.82
NPAs & 90+ PD/ Assets 0.85 0.80 1.09 1.51 2.23
NPAs/ Loans & REO 1.47 1.40 2.11 3.12 4.82
Nonaccrual & 90+ & OREO/ Assets 0.59 0.47 0.38 0.46 0.82
NPAs & 90+ PD/ Loans & REO 1.47 1.40 2.12 3.13 4.82
NPA & Loans 90+/ Tangible Common Equity + LLR 7.93 7.94 10.50 13.68 18.91
NCOs/ Avg Loans 0.04 (0.03) 0.01 0.04 (0.11)
Loan Loss Reserves/ Gross Loans 0.99 1.01 1.10 1.30 1.76
Reserves/ NPAs 67.42 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) 134,168 137,374 140,364 145,144 144,857
Tier 1 Capital($000) 134,168 137,374 140,364 145,144 144,857
Tier 2 Capital($000) 7,958 8,106 8,023 8,813 9,861
Total Capital($000) 142,126 145,480 148,387 153,957 154,718
Total Risk-weighted Assets($000) 895,648 921,355 853,495 839,226 781,634
Tier 1 Common Capital (CET1) Ratio(%) 14.98 14.91 16.45 17.30 18.53
Tier 1 Ratio(%) 14.98 14.91 16.45 17.30 18.53
Total Capital Ratio(%) 15.87 15.79 17.39 18.35 19.79
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.12 10.28 10.44 10.89 11.04
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 23,037,773 23,033,715 22,907,844 22,777,882 22,790,707
Avg Diluted Shares(actual) 23,131,485 23,069,054 23,019,716 22,937,193 22,916,754
Basic Book Value per Share 5.88 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 5.88 5.54 5.79 6.20 6.46
Common Dividends Declared per Share 0.20 0.93 0.92 0.64 0
EPS after Extra 0.05 0.77 0.46 0.63 0.53
EPS after Extra Growth(%) (86.80) 67.40 (27) 18.90 60.60
Core EPS 0.43 0.80 0.65 0.57 0.52
Core EPS Growth(%) 13.30 23.30 13.70 9.80 48.50
Diluted EPS before Amortization 0.05 0.77 0.46 0.63 0.53
Pre-Provision Earnings per Share 0.42 0.77 0.56 0.46 0.39
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