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 1,477,682 1,251,878 1,232,755 1,210,442 1,174,149
Total Net Loans 960,293 774,249 757,281 744,999 749,675
Total Deposits 1,251,273 1,085,125 1,067,985 1,044,357 1,011,554
Equity Attributable to Parent Company 129,651 95,692 90,323 93,388 95,457
Total Equity 129,651 95,692 90,323 93,388 95,457
Profitability (%)
Net Income($000) 7,455 11,917 7,751 8,673 8,373
Net Income Attributable to Parent($000) 7,455 11,917 7,751 8,673 8,373
ROAA 0.72 0.99 0.65 0.75 0.73
Core ROAA 0.94 1 0.82 0.73 0.73
ROAE 8.82 13.32 8.51 8.66 8.23
ROATCE 10.09 13.38 8.53 8.63 8
Core ROAE 11.53 13.46 10.81 8.46 8.26
Net Interest Margin 3.56 3.56 3.46 3.51 3.52
Reported: Net Interest Margin 3.56 3.56 3.46 3.51 3.52
Efficiency Ratio 71.57 69.51 69.04 71.66 71.84
Noninterest Inc/ Operating Rev 22.78 18.90 19.96 19.40 19.37
Balance Sheet Ratios (%)
Loans/ Deposits 76.57 72.02 71.61 72.19 74.96
Securities/ Assets 25.22 28.44 29.04 27.05 25.52
Total Equity/ Total Assets 8.77 7.64 7.33 7.72 8.13
Tangible Equity/ Tangible Assets 7.56 7.59 7.32 7.71 8.12
Tang Common Equity/ Tang Assets 7.56 7.59 7.32 6.94 6.59
Asset Quality (%)
NPAs/ Assets 1.52 2.10 2.45 3.06 3.66
NPA Excl Restructured/ Assets 0.74 0.90 0.95 1.55 1.98
NPAs & 90+ PD/ Assets 1.52 2.10 2.45 3.06 3.66
NPAs/ Loans & REO 2.33 3.36 3.93 4.88 5.60
Nonaccrual & 90+ & OREO/ Assets 0.74 0.90 0.95 1.55 1.98
NPAs & 90+ PD/ Loans & REO 2.33 3.36 3.93 4.88 5.60
NPA & Loans 90+/ Tangible Common Equity + LLR 19.25 25.75 30.94 39.95 50.01
NCOs/ Avg Loans 0.18 0.06 0.24 0.10 0.14
Loan Loss Reserves/ Gross Loans 0.68 0.93 0.98 1.18 1.13
Reserves/ NPAs 29.33 27.65 24.82 24.05 20.03
Loan Loss Provision/ NCO 43.63 46.64 21.59 142.93 81.39
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 108,689 103,123 96,779 89,002 81,823
Tier 1 Capital($000) 132,189 126,623 120,279 121,862 123,344
Tier 2 Capital($000) 6,600 7,277 7,507 8,923 8,604
Total Capital($000) 138,789 133,900 127,786 130,785 131,948
Total Risk-weighted Assets($000) 1,054,210 843,887 821,479 785,996 795,026
Tier 1 Common Capital (CET1) Ratio(%) 10.31 12.22 11.78 11.32 10.29
Tier 1 Ratio(%) 12.54 15 14.64 15.50 15.51
Total Capital Ratio(%) 13.16 15.86 15.56 16.64 16.60
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.98 10.24 9.89 10.29 10.69
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 9,498,783 8,444,908 8,439,258 8,439,258 8,439,258
Avg Diluted Shares(actual) 9,008,196 8,538,608 8,633,581 8,513,295 8,458,461
Basic Book Value per Share 13.65 11.33 10.70 9.96 9.18
Book Value per Share, As Reported 13.65 11.33 10.70 9.96 9.18
Basic Tangible Book Value per Share 11.61 11.24 10.70 9.95 9.16
Tangible Book Value per Share, As Reported 11.61 11.24 10.69 9.95 9.16
Common Dividends Declared per Share 0.23 0.20 0.10 0 0
EPS after Extra 0.83 1.40 0.87 0.84 0.71
EPS after Extra Growth(%) (20.20) 60.90 3.60 18.30 24.60
Core EPS 1.08 1.41 1.11 0.82 0.71
Core EPS Growth(%) 4.70 27.30 36.10 14.40 25
Diluted EPS before Amortization 0.87 1.41 0.87 0.84 0.71
Pre-Provision Earnings per Share 1.08 1.41 1.10 0.83 0.72
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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