Financial Highlights

Financial Highlights
2019 FQ2
6/30/2019
2018 FQ2
6/30/2018
Y-Y Ch (%)
2019 FQ1
3/31/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 839,258 764,718 9.75 831,377 3.79
Total Net Loans 588,600 511,977 14.97 569,778 13.21
Total Deposits 737,211 679,066 8.56 730,923 3.44
Equity Attributable to Parent Company 77,038 59,497 29.48 72,707 23.83
Total Equity 77,038 59,497 29.48 72,707 23.83
Profitability (%)
Net Income($000) 3,810 3,445 10.60 3,818 (0.84)
Net Income Attributable to Parent($000) 3,810 3,445 10.60 3,818 (0.84)
ROAA 1.82 1.87 (5) bp 1.84 (2) bp
Core ROAA 1.84 1.87 (3) bp 1.87 (3) bp
ROAE 20.55 23.61 (306) bp 21.94 (139) bp
ROATCE 21.15 23.65 (250) bp 22.62 (147) bp
Core ROAE 20.76 23.62 (286) bp 22.25 (149) bp
Net Interest Margin 4.72 4.73 (1) bp 4.89 (17) bp
Reported: Net Interest Margin 4.73 4.75 (2) bp 4.95 (22) bp
Efficiency Ratio 50.93 51.01 (8) bp 49.26 167 bp
Noninterest Inc/ Operating Rev 17.86 21.73 (387) bp 17.31 55 bp
Balance Sheet Ratios (%)
Loans/ Deposits 80.47 75.86 461 bp 78.76 171 bp
Securities/ Assets 21.11 21.03 8 bp 21.20 (9) bp
Total Equity/ Total Assets 9.18 7.78 140 bp 8.75 43 bp
Tangible Equity/ Tangible Assets 9.07 7.77 130 bp 8.62 45 bp
Tang Common Equity/ Tang Assets 9.07 7.77 130 bp 8.62 45 bp
Asset Quality (%)
NPAs/ Assets 0.54 0.39 15 bp 0.45 9 bp
NPA Excl Restructured/ Assets 0.42 0.24 18 bp 0.33 9 bp
NPAs & 90+ PD/ Assets 0.54 0.39 15 bp 0.45 9 bp
NPAs/ Loans & REO 0.76 0.57 19 bp 0.64 12 bp
Nonaccrual & 90+ & OREO/ Assets 0.42 0.24 18 bp 0.33 9 bp
NPAs & 90+ PD/ Loans & REO 0.76 0.57 19 bp 0.64 12 bp
NPA & Loans 90+/ Tangible Common Equity + LLR 5.44 4.49 95 bp 4.72 72 bp
NCOs/ Avg Loans 0.14 0.18 (4) bp 0.21 (7) bp
Loan Loss Reserves/ Gross Loans 1.18 1.29 (11) bp 1.23 (5) bp
Loan Loss Provision/ NCO 95.69 133.93 (3,824) bp 137.46 (4,177) 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) 5,159,560 5,118,676 0.80 5,150,876 0.67
Avg Diluted Shares(actual) 5,228,000 5,222,000 0.11 5,225,000 0.23
Basic Book Value per Share 14.93 11.62 28.49 14.12 22.95
Book Value per Share, As Reported 14.93 11.62 28.49 14.12 22.95
Basic Tangible Book Value per Share 14.73 11.61 26.87 13.90 23.88
Tangible Book Value per Share, As Reported 14.73 11.61 26.87 13.90 23.88
EPS after Extra 0.73 0.66 10.61 0.73 0
EPS after Extra Growth(%) 10.60 34.70 (2,408) bp 15.90 (526) bp
Core EPS 0.74 0.66 12.12 0.74 0
Core EPS Growth(%) 11.70 34.70 (2,297) bp 23.50 (1,174) bp
Diluted EPS before Amortization 0.74 0.66 12.12 0.74 0
Pre-Provision Earnings per Share 0.82 0.76 7.89 0.86 (18.60)

   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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