Financial Highlights
2019 FY
12/31/2019
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 1,515,313 1,251,878 1,232,755 1,210,442 1,174,149
Total Net Loans 972,026 774,249 757,281 744,999 749,675
Total Deposits 1,294,222 1,085,125 1,067,985 1,044,357 1,011,554
Equity Attributable to Parent Company 130,505 95,692 90,323 93,388 95,457
Total Equity 130,505 95,692 90,323 93,388 95,457
Profitability (%)
Net Income($000) 10,211 11,917 7,751 8,673 8,373
Net Income Attributable to Parent($000) 10,211 11,917 7,751 8,673 8,373
ROAA 0.72 0.99 0.65 0.75 0.73
Core ROAA 0.90 1 0.82 0.73 0.73
ROAE 8.72 13.32 8.51 8.66 8.23
ROATCE NA 13.38 8.53 8.63 8
Core ROAE 10.90 13.46 10.81 8.46 8.26
Net Interest Margin 3.61 3.56 3.46 3.51 3.52
Reported: Net Interest Margin 3.61 3.56 3.46 3.51 3.52
Efficiency Ratio 72.89 69.51 69.04 71.66 71.84
Noninterest Inc/ Operating Rev 23.46 18.90 19.96 19.40 19.37
Balance Sheet Ratios (%)
Loans/ Deposits 74.84 72.02 71.61 72.19 74.96
Securities/ Assets 23.16 28.44 29.04 27.05 25.52
Total Equity/ Total Assets 8.61 7.64 7.33 7.72 8.13
Tangible Equity/ Tangible Assets 7.42 7.59 7.32 7.71 8.12
Tang Common Equity/ Tang Assets 7.42 7.59 7.32 6.94 6.59
Asset Quality (%)
NPAs/ Assets NA 2.10 2.45 3.06 3.66
NPA Excl Restructured/ Assets NA 0.90 0.95 1.55 1.98
NPAs & 90+ PD/ Assets NA 2.10 2.45 3.06 3.66
NPAs/ Loans & REO NA 3.36 3.93 4.88 5.60
Nonaccrual & 90+ & OREO/ Assets NA 0.90 0.95 1.55 1.98
NPAs & 90+ PD/ Loans & REO NA 3.36 3.93 4.88 5.60
NPA & Loans 90+/ Tangible Common Equity + LLR NA 25.75 30.94 39.95 50.01
NCOs/ Avg Loans 0.17 0.06 0.24 0.10 0.14
Loan Loss Reserves/ Gross Loans 0.70 0.93 0.98 1.18 1.13
Reserves/ NPAs NA 27.65 24.82 24.05 20.03
Loan Loss Provision/ NCO 72.73 46.64 21.59 142.93 81.39
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 103,123 96,779 89,002 81,823
Tier 1 Capital($000) NA 126,623 120,279 121,862 123,344
Tier 2 Capital($000) NA 7,277 7,507 8,923 8,604
Total Capital($000) NA 133,900 127,786 130,785 131,948
Total Risk-weighted Assets($000) NA 843,887 821,479 785,996 795,026
Tier 1 Common Capital (CET1) Ratio(%) 10.33 12.22 11.78 11.32 10.29
Tier 1 Ratio(%) 12.52 15 14.64 15.50 15.51
Total Capital Ratio(%) 13.17 15.86 15.56 16.64 16.60
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.04 10.24 9.89 10.29 10.69
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 9,498,783 8,444,908 8,439,258 8,439,258 8,439,258
Avg Diluted Shares(actual) 9,129,705 8,538,608 8,633,581 8,513,295 8,458,461
Basic Book Value per Share 13.74 11.33 10.70 9.96 9.18
Book Value per Share, As Reported 13.74 11.33 10.70 9.96 9.18
Basic Tangible Book Value per Share 11.68 11.24 10.70 9.95 9.16
Tangible Book Value per Share, As Reported 11.68 11.24 10.69 9.95 9.16
Common Dividends Declared per Share 0.30 0.20 0.10 0 0
EPS after Extra 1.12 1.40 0.87 0.84 0.71
EPS after Extra Growth(%) (20) 60.90 3.60 18.30 24.60
Core EPS 1.40 1.41 1.11 0.82 0.71
Core EPS Growth(%) (1) 27.30 36.10 14.40 25
Diluted EPS before Amortization NA 1.41 0.87 0.84 0.71
Pre-Provision Earnings per Share 1.47 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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