Financial Highlights

Financial Highlights
2016 FY
12/31/2016
2017 FY
12/31/2017
2018 FY
12/31/2018
2019 FY
12/31/2019
2020 FQ3 YTD
9/30/2020
Balance Sheet ($000)
Total Assets 558,566 597,748 637,584 727,498 903,211
Total Net Loans 295,640 343,640 405,461 449,839 545,193
Total Deposits 505,888 537,831 573,155 619,067 770,724
Equity Attributable to Parent Company 33,977 38,049 46,625 82,861 95,609
Total Equity 33,977 38,049 46,625 82,861 95,609
Profitability (%)
Net Income($000) 3,536 3,495 9,988 9,780 10,614
Net Income Attributable to Parent($000) 3,536 3,495 9,988 9,780 10,614
ROAA 0.64 0.60 1.59 1.42 1.73
Core ROAA 0.61 0.77 0.82 1.14 0.70
ROAE 8.10 9.52 23.92 14.35 15.82
ROATCE 9.61 9.52 23.92 14.35 15.82
Core ROAE 7.74 12.29 12.28 11.48 6.36
Net Interest Margin 3.28 3.35 3.83 4.09 3.61
Reported: Net Interest Margin NA NA 3.83 4.09 3.61
Efficiency Ratio 77.02 71.10 70.71 65.08 72.03
Noninterest Inc/ Operating Rev 25.20 26.21 23.73 24.63 23.82
Balance Sheet Ratios (%)
Loans/ Deposits 59.11 64.69 71.49 73.52 71.51
Securities/ Assets 32.75 27.63 23.54 19.34 NA
Total Equity/ Total Assets 6.08 6.37 7.31 11.39 10.59
Tangible Equity/ Tangible Assets 6.08 6.37 7.31 11.39 10.59
Tang Common Equity/ Tang Assets 6.08 6.37 7.31 11.39 10.59
Asset Quality (%)
NPAs/ Assets NA NA 0.93 0.61 NA
NPA Excl Restructured/ Assets 0.97 0.69 0.77 0.44 NA
NPAs & 90+ PD/ Assets NA NA 1.02 0.63 NA
NPAs/ Loans & REO NA NA 1.44 0.97 NA
Nonaccrual & 90+ & OREO/ Assets 1.32 1.13 0.86 0.46 NA
NPAs & 90+ PD/ Loans & REO NA NA 1.58 1 NA
NPA & Loans 90+/ Tangible Common Equity + LLR NA NA 12.74 5.18 NA
NCOs/ Avg Loans 0.04 0 0.27 0.18 0.02
Loan Loss Reserves/ Gross Loans 1.31 1.23 1.07 1.16 1.27
Reserves/ NPAs NA NA 74.18 119.76 NA
Loan Loss Provision/ NCO 181.82 NM 109.73 213.01 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($000) NA NA NA NA NA
Tier 1 Common Capital (CET1) Ratio(%) NA NA NA NA NA
Tier 1 Ratio(%) NA NA 12.92 17.33 17.66
Total Capital Ratio(%) NA NA NA NA NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 7.83 8.18 9.15 12.70 11.49
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 2,412,229 2,431,441 2,445,463 3,702,476 3,732,504
Avg Diluted Shares(actual) 2,410,307 2,421,994 2,440,592 3,419,566 3,712,057
Basic Book Value per Share 14.09 15.65 19.07 22.38 25.62
Basic Tangible Book Value per Share 14.09 15.65 19.07 22.38 25.62
EPS after Extra 1.38 1.44 4.09 2.86 2.86
EPS after Extra Growth(%) 25.50 4.30 184 (30.10) 27.10
Core EPS 1.31 1.86 2.10 2.29 1.15
Core EPS Growth(%) 23.30 41.50 13 9 (30.30)
Diluted EPS before Amortization 1.38 1.44 4.09 2.86 2.86
Pre-Provision Earnings per Share 1.29 1.80 2.55 2.70 1.52
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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