Financial Highlights

Financial Highlights
2019 FQ3
9/30/2019
2018 FQ3
9/30/2018
Y-Y Ch (%)
2019 FQ2
6/30/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 888,551 770,748 15.28 839,258 23.49
Total Net Loans 598,001 535,998 11.57 588,600 6.39
Total Deposits 776,183 682,842 13.67 737,211 21.15
Equity Attributable to Parent Company 81,779 62,366 31.13 77,038 24.62
Total Equity 81,779 62,366 31.13 77,038 24.62
Profitability (%)
Net Income($000) 4,002 3,696 8.28 3,810 20.16
Net Income Attributable to Parent($000) 4,002 3,696 8.28 3,810 20.16
ROAA 1.85 1.92 (7) bp 1.82 3 bp
Core ROAA NA 1.92 NA 1.84 NA
ROAE 20.16 23.97 (381) bp 20.55 (39) bp
ROATCE NA 24.01 NA 21.15 NA
Core ROAE NA 23.99 NA 20.76 NA
Net Interest Margin 4.72 4.82 (10) bp 4.72 0 bp
Reported: Net Interest Margin 4.72 4.78 (6) bp 4.73 (1) bp
Efficiency Ratio 50.16 49.99 17 bp 50.93 (77) bp
Noninterest Inc/ Operating Rev 18.32 21.08 (276) bp 17.86 46 bp
Balance Sheet Ratios (%)
Loans/ Deposits NA 79.50 NA 80.47 NA
Securities/ Assets NA 20.73 NA 21.11 NA
Total Equity/ Total Assets 9.20 8.09 111 bp 9.18 2 bp
Tangible Equity/ Tangible Assets NA 8.08 NA 9.07 NA
Tang Common Equity/ Tang Assets NA 8.08 NA 9.07 NA
Asset Quality (%)
NPAs/ Assets NA 0.45 NA 0.54 NA
NPA Excl Restructured/ Assets NA 0.31 NA 0.42 NA
NPAs & 90+ PD/ Assets NA 0.45 NA 0.54 NA
NPAs/ Loans & REO NA 0.64 NA 0.76 NA
Nonaccrual & 90+ & OREO/ Assets NA 0.31 NA 0.42 NA
NPAs & 90+ PD/ Loans & REO NA 0.64 NA 0.76 NA
NPA & Loans 90+/ Tangible Common Equity + LLR NA 5.01 NA 5.44 NA
NCOs/ Avg Loans 0.09 0.11 (2) bp 0.14 (5) bp
Loan Loss Reserves/ Gross Loans 1.19 1.26 (7) bp 1.18 1 bp
Loan Loss Provision/ NCO 227.27 197.37 2,990 bp 95.69 13,158 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) 5,160,000 5,125,476 0.67 5,159,560 0.03
Avg Diluted Shares(actual) 5,227,000 5,225,000 0.04 5,228,000 (0.08)
Basic Book Value per Share 15.85 12.17 30.24 14.93 24.65
Book Value per Share, As Reported 15.85 12.17 30.24 14.93 24.65
Basic Tangible Book Value per Share NA 12.15 NA 14.73 NA
Tangible Book Value per Share, As Reported 15.66 12.15 28.89 14.73 25.25
EPS after Extra 0.77 0.71 8.45 0.73 21.92
EPS after Extra Growth(%) 8.50 51.10 (4,261) bp 10.60 (216) bp
Core EPS NA 0.71 NA 0.74 NA
Core EPS Growth(%) NA 51.10 NA 11.70 NA
Diluted EPS before Amortization NA 0.71 NA 0.74 NA
Pre-Provision Earnings per Share 0.89 0.82 8.54 0.82 34.15

   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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