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 277,806 199,498 182,966 173,198 157,899
Total Net Loans 214,382 160,716 143,258 137,829 123,078
Total Deposits 241,588 168,781 161,713 143,171 128,738
Total Equity 35,084 22,606 20,681 19,426 18,111
Profitability (%)
Net Profit($000) 862 2,125 1,453 1,572 1,537
ROAA 0.70 1.14 0.81 0.96 1.08
ROAE 5.96 9.83 7.21 8.35 8.90
ROATCE 6.08 9.83 7.22 8.35 8.90
Net Interest Margin 5.32 4.26 4.28 4.47 4.69
Efficiency Ratio 81.11 65.72 68.78 65.63 63.28
Balance Sheet Ratios (%)
Loans/ Deposits 89.58 96.43 89.78 97.60 97.08
Securities/ Assets 7.73 0.39 0.17 0.40 0.49
Total Equity/ Total Assets 12.63 11.33 11.30 11.22 11.47
Tangible Equity/ Tangible Assets 11.89 11.33 11.30 11.21 11.47
Tang Common Equity/ Tang Assets 11.89 11.33 11.30 11.21 11.47
Asset Quality (%)
NPAs/ Assets 0 0.72 0.63 0.90 1.31
NPA Excl Restructured/ Assets 0 0.72 0.02 0 0
NPAs & 90+ PD/ Assets 0 0.72 0.63 0.90 1.31
NPAs/ Loans & REO 0 0.88 0.80 1.11 1.66
NPAs & 90+ PD/ Loans & REO 0 0.88 0.80 1.11 1.66
NPA & Loans 90+/ Tangible Common Equity + LLR 0 5.80 5.13 7.27 10.37
NCOs/ Avg Loans 0 (0.08) (0.01) 0 0
Loan Loss Reserves/ Gross Loans 0.94 1.25 1.32 1.36 1.53
Reserves/ NPAs NM 142.79 165.83 122.95 91.86
Capital Adequacy
Core Tier 1 Ratio(%) 14.03 13.22 13.08 13.06 13.60
Tier 1 Ratio(%) 14.03 13.22 13.08 13.06 13.60
Total Capital Ratio(%) 14.92 14.44 14.32 14.31 14.85
Leverage Ratio(%) 11.24 11.56 11.11 11.29 11.88
Per Share Information ($)
Ordinary Shares Outstanding(actual) 1,133,556 801,867 801,867 789,649 788,649
Avg Diluted Shares(actual) NA 801,992 801,987 789,150 787,934
Basic Tangible Book Value per Share 28.90 28.18 25.78 24.59 22.96
Dividends Declared per Ordinary Share 0.15 0.30 0.30 0.30 0
Diluted EPS Growth(%) NA 46.40 (9) 2.10 16.10
Core EPS NA 2.65 1.98 1.99 1.95
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.