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 267,334 199,498 182,966 173,198 157,899
Total Net Loans 202,968 160,716 143,258 137,829 123,078
Total Deposits 230,710 168,781 161,713 143,171 128,738
Total Equity 35,243 22,606 20,681 19,426 18,111
Profitability (%)
Net Profit($000) 1,741 2,125 1,453 1,572 1,537
ROAA 0.95 1.14 0.81 0.96 1.08
ROAE 7.50 9.83 7.21 8.35 8.90
ROATCE 7.85 9.83 7.22 8.35 8.90
Net Interest Margin 4.47 4.26 4.28 4.47 4.69
Efficiency Ratio 69.73 65.72 68.78 65.63 63.28
Balance Sheet Ratios (%)
Loans/ Deposits 88.86 96.43 89.78 97.60 97.08
Securities/ Assets 7.12 0.39 0.17 0.40 0.49
Total Equity/ Total Assets 13.18 11.33 11.30 11.22 11.47
Tangible Equity/ Tangible Assets 12.31 11.33 11.30 11.21 11.47
Tang Common Equity/ Tang Assets 12.31 11.33 11.30 11.21 11.47
Asset Quality (%)
NPAs/ Assets 0 0.72 0.63 0.90 1.31
NPA Excl Restructured/ Assets 0 0.72 0.02 0 0
NPAs & 90+ PD/ Assets 0 0.72 0.63 0.90 1.31
NPAs/ Loans & REO 0 0.88 0.80 1.11 1.66
NPAs & 90+ PD/ Loans & REO 0 0.88 0.80 1.11 1.66
NPA & Loans 90+/ Tangible Common Equity + LLR 0 5.80 5.13 7.27 10.37
NCOs/ Avg Loans 0 (0.08) (0.01) 0 0
Loan Loss Reserves/ Gross Loans 0.99 1.25 1.32 1.36 1.53
Reserves/ NPAs NM 142.79 165.83 122.95 91.86
Capital Adequacy
Core Tier 1 Ratio(%) 14.33 13.22 13.08 13.06 13.60
Tier 1 Ratio(%) 14.33 13.22 13.08 13.06 13.60
Total Capital Ratio(%) 15.25 14.44 14.32 14.31 14.85
Leverage Ratio(%) 12.27 11.56 11.11 11.29 11.88
Per Share Information ($)
Ordinary Shares Outstanding(actual) NA 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 NA 28.18 25.78 24.59 22.96
Dividends Declared per Ordinary Share 0.23 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
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