Financial Highlights

Financial Highlights
2015 FY
12/31/2015
2016 FY
12/31/2016
2017 FY
12/31/2017
2018 FY
12/31/2018
2019 FQ1 YTD
3/31/2019
Balance Sheet ($000)
Total Assets 530,087 558,566 597,748 637,584 674,982
Total Net Loans 285,008 295,640 343,640 405,563 408,119
Total Deposits 473,526 505,888 537,831 573,155 608,117
Equity Attributable to Parent Company 43,083 33,977 38,049 46,625 50,030
Total Equity 43,083 33,977 38,049 46,625 50,030
Profitability (%)
Net Income($000) 2,843 3,536 3,495 9,988 1,642
Net Income Attributable to Parent($000) 2,843 3,536 3,495 9,988 1,642
ROAA 0.56 0.64 0.60 1.59 1
Core ROAA 0.54 0.61 0.77 0.82 NA
ROAE 6.75 8.10 9.52 23.92 13.59
ROATCE 8.29 9.61 9.52 23.92 13.59
Core ROAE 6.55 7.74 12.29 12.28 NA
Net Interest Margin 3.47 3.45 3.35 3.82 NA
Reported: Net Interest Margin 3.47 NA NA 3.82 NA
Efficiency Ratio 79.21 77.02 71.10 70.71 68.24
Noninterest Inc/ Operating Rev 25.89 25.20 26.21 23.73 22.85
Balance Sheet Ratios (%)
Loans/ Deposits 60.95 59.11 64.69 71.51 67.82
Securities/ Assets 27.39 32.75 27.63 23.54 NA
Total Equity/ Total Assets 8.13 6.08 6.37 7.31 7.41
Tangible Equity/ Tangible Assets 8.13 6.08 6.37 7.31 7.41
Tang Common Equity/ Tang Assets 6.18 6.08 6.37 7.31 7.41
Asset Quality (%)
NPAs/ Assets NA NA NA NA NA
NPA Excl Restructured/ Assets 1.44 0.97 0.69 0.77 NA
NPAs & 90+ PD/ Assets NA NA NA NA NA
NPAs/ Loans & REO NA NA NA NA NA
Nonaccrual & 90+ & OREO/ Assets 1.47 1.32 1.13 0.86 NA
NPAs & 90+ PD/ Loans & REO NA NA NA NA NA
NPA & Loans 90+/ Tangible Common Equity + LLR NA NA NA NA NA
NCOs/ Avg Loans 0.04 0.04 0 0.27 (0.01)
Loan Loss Reserves/ Gross Loans 1.32 1.31 1.23 1.07 1.13
Reserves/ NPAs NA NA NA NA NA
Loan Loss Provision/ NCO 245.83 181.82 NM 109.73 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA NA NA NA NA
Tier 1 Capital($000) NA NA NA NA NA
Tier 2 Capital($000) NA NA NA NA NA
Total Capital($000) NA NA NA NA NA
Total Risk-weighted Assets($000) NA NA NA NA NA
Tier 1 Common Capital (CET1) Ratio(%) NA NA NA NA NA
Tier 1 Ratio(%) NA NA NA 12.92 NA
Total Capital Ratio(%) NA NA NA NA NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.88 NA NA 9.15 NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 2,405,242 2,412,229 2,431,441 2,437,953 NA
Avg Diluted Shares(actual) 2,403,429 2,410,307 2,421,994 2,440,592 NA
Basic Book Value per Share 13.63 14.09 15.65 19.12 NA
Basic Tangible Book Value per Share 13.63 14.09 15.65 19.12 NA
EPS after Extra 1.10 1.38 1.44 4.09 NA
EPS after Extra Growth(%) 46.70 25.50 4.30 184 NA
Core EPS 1.07 1.31 1.86 2.10 NA
Core EPS Growth(%) 51.70 23.30 41.50 13 NA
Diluted EPS before Amortization 1.10 1.38 1.44 4.09 NA
Pre-Provision Earnings per Share 1.05 1.29 1.80 2.55 NA
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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