Financial Highlights
2020 FQ3 YTD
9/30/2020
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
Balance Sheet ($000)
Total Assets 1,759,446 1,515,313 1,251,878 1,232,755 1,210,442
Total Net Loans 1,146,450 972,027 774,249 757,281 744,999
Total Deposits 1,416,401 1,293,742 1,085,125 1,067,985 1,044,357
Equity Attributable to Parent Company 140,346 130,506 95,692 90,323 93,388
Total Equity 140,346 130,506 95,692 90,323 93,388
Profitability (%)
Net Income($000) 6,916 10,211 11,917 7,751 8,673
Net Income Attributable to Parent($000) 6,916 10,211 11,917 7,751 8,673
ROAA 0.56 0.72 0.99 0.65 0.75
Core ROAA 0.57 0.94 1 0.82 0.73
ROAE 6.74 8.73 13.33 8.51 8.66
ROATCE NA 10.23 13.39 8.53 8.63
Core ROAE 6.96 11.37 13.47 10.81 8.46
Net Interest Margin 3.46 3.59 3.55 3.45 3.51
Reported: Net Interest Margin 3.51 3.59 3.56 3.46 3.51
Efficiency Ratio 74.17 71.81 69.62 69.23 71.66
Noninterest Inc/ Operating Rev 28.29 23.46 18.90 19.96 19.40
Balance Sheet Ratios (%)
Loans/ Deposits 77.78 74.88 72.02 71.61 72.19
Securities/ Assets 20.85 23.20 28.44 29.04 27.05
Total Equity/ Total Assets 7.98 8.61 7.64 7.33 7.72
Tangible Equity/ Tangible Assets 6.99 7.42 7.59 7.32 7.71
Tang Common Equity/ Tang Assets 6.99 7.42 7.59 7.32 6.94
Asset Quality (%)
NPAs/ Assets NA 1.51 2.10 2.45 3.06
NPA Excl Restructured/ Assets 0.67 0.69 0.90 0.95 1.55
NPAs & 90+ PD/ Assets NA 1.51 2.10 2.45 3.06
NPAs/ Loans & REO NA 2.33 3.36 3.93 4.88
Nonaccrual & 90+ & OREO/ Assets NA 0.69 0.90 0.95 1.55
NPAs & 90+ PD/ Loans & REO NA 2.33 3.36 3.93 4.88
NPA & Loans 90+/ Tangible Common Equity + LLR NA 19.39 25.75 30.94 39.95
NCOs/ Avg Loans 0.14 0.17 0.06 0.24 0.10
Loan Loss Reserves/ Gross Loans 0.95 0.70 0.93 0.98 1.18
Reserves/ NPAs NA 30.04 27.65 24.82 24.05
Loan Loss Provision/ NCO 476.20 72.73 46.64 21.59 142.93
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 110,610 103,123 96,779 89,002
Tier 1 Capital($000) NA 134,110 126,623 120,279 121,862
Tier 2 Capital($000) NA 6,863 7,277 7,507 8,923
Total Capital($000) NA 140,973 133,900 127,786 130,785
Total Risk-weighted Assets($000) NA 1,070,765 843,887 821,479 785,996
Tier 1 Common Capital (CET1) Ratio(%) 12.16 10.33 12.22 11.78 11.32
Tier 1 Ratio(%) 14.29 12.52 15 14.64 15.50
Total Capital Ratio(%) 15.29 13.17 15.86 15.56 16.64
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.36 8.92 10.24 9.89 10.29
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 9,498,783 9,498,783 8,444,908 8,439,258 8,439,258
Avg Diluted Shares(actual) 9,498,783 9,129,705 8,538,608 8,633,581 8,513,295
Basic Book Value per Share 14.78 13.74 11.33 10.70 9.96
Book Value per Share, As Reported 14.78 13.74 11.33 10.70 9.96
Basic Tangible Book Value per Share 12.82 11.68 11.24 10.70 9.95
Tangible Book Value per Share, As Reported 12.82 11.68 11.24 10.69 9.95
Common Dividends Declared per Share 0.30 0.30 0.20 0.10 0
EPS after Extra 0.73 1.12 1.40 0.87 0.84
EPS after Extra Growth(%) (12) (20) 60.90 3.60 18.30
Core EPS 0.75 1.46 1.41 1.11 0.82
Core EPS Growth(%) (33) 3.10 27.30 36.10 14.40
Diluted EPS before Amortization NA 1.19 1.41 0.87 0.84
Pre-Provision Earnings per Share 1.19 1.47 1.41 1.10 0.83
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.
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