Financial Highlights

Financial Highlights
2018 FQ4
12/31/2018
2017 FQ4
12/31/2017
Y-Y Ch (%)
2018 FQ3
9/30/2018
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 824,398 745,427 10.59 770,748 27.84
Total Net Loans 562,498 482,248 16.64 535,998 19.78
Total Deposits 726,565 662,657 9.64 682,842 25.61
Equity Attributable to Parent Company 66,932 55,700 20.17 62,366 29.29
Total Equity 66,932 55,700 20.17 62,366 29.29
Profitability (%)
Net Income($000) 3,570 1,136 214.26 3,696 (13.64)
Net Income Attributable to Parent($000) 3,570 1,136 214.26 3,696 (13.64)
ROAA 1.79 0.62 117 bp 1.92 (13) bp
Core ROAA 1.79 1.43 36 bp 1.92 (13) bp
ROAE 22.09 8.17 1,392 bp 23.97 (188) bp
ROATCE NA 8.19 NA 24.01 NA
Core ROAE 22.09 19.04 305 bp 23.99 (190) bp
Net Interest Margin 4.73 4.28 45 bp 4.82 (9) bp
Reported: Net Interest Margin 4.73 4.28 45 bp 4.78 (5) bp
Efficiency Ratio 53.06 55.23 (217) bp 49.99 307 bp
Noninterest Inc/ Operating Rev 17.03 19.62 (259) bp 21.08 (405) bp
Balance Sheet Ratios (%)
Loans/ Deposits 78.20 73.69 451 bp 79.50 (130) bp
Securities/ Assets NA 18.80 NA 20.73 NA
Total Equity/ Total Assets 8.12 7.47 65 bp 8.09 3 bp
Tangible Equity/ Tangible Assets NA 7.46 NA 8.08 NA
Tang Common Equity/ Tang Assets NA 7.46 NA 8.08 NA
Asset Quality (%)
NPAs/ Assets NA 0.50 NA 0.45 NA
NPA Excl Restructured/ Assets NA 0.35 NA 0.31 NA
NPAs & 90+ PD/ Assets NA 0.74 NA 0.45 NA
NPAs/ Loans & REO NA 0.76 NA 0.64 NA
Nonaccrual & 90+ & OREO/ Assets NA 0.59 NA 0.31 NA
NPAs & 90+ PD/ Loans & REO NA 1.12 NA 0.64 NA
NPA & Loans 90+/ Tangible Common Equity + LLR NA 8.83 NA 5.01 NA
NCOs/ Avg Loans 0.06 0.13 (7) bp 0.11 (5) bp
Loan Loss Reserves/ Gross Loans 1.22 1.36 (14) bp 1.26 (4) bp
Loan Loss Provision/ NCO 227.27 0 22,727 bp 197.37 2,990 bp
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($000) NA NA NA NA NA
Tier 1 Common Capital (CET1) Ratio(%) NA NA NA NA NA
Tier 1 Ratio(%) NA NA NA NA NA
Total Capital Ratio(%) NA NA NA NA NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA NA NA NA NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 5,137,000 5,064,972 1.42 5,125,476 0.90
Avg Diluted Shares(actual) 5,222,000 5,200,000 0.42 5,225,000 (0.23)
Basic Book Value per Share 13.03 11 18.45 12.17 28.27
Book Value per Share, As Reported 13.03 11 18.45 12.17 28.27
Basic Tangible Book Value per Share NA 10.98 NA 12.15 NA
Tangible Book Value per Share, As Reported 12.80 10.98 16.58 12.15 21.40
EPS after Extra 0.68 0.22 209.09 0.71 (16.90)
EPS after Extra Growth(%) 209.10 (46.30) 25,543 bp 51.10 15,803 bp
Core EPS 0.68 0.51 33.33 0.71 (16.90)
Core EPS Growth(%) 32.60 25.10 752 bp 51.10 (1,848) bp
Diluted EPS before Amortization NA 0.22 NA 0.71 NA
Pre-Provision Earnings per Share 0.76 0.53 43.40 0.82 (29.27)

   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.


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