Financial Highlights

Financial Highlights
2019 FQ4
12/31/2019
2018 FQ4
12/31/2018
Y-Y Ch (%)
2019 FQ3
9/30/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 865,191 824,398 4.95 888,551 (10.52)
Total Net Loans 616,036 562,498 9.52 598,001 12.06
Total Deposits 747,324 726,565 2.86 776,183 (14.87)
Equity Attributable to Parent Company 84,505 66,932 26.26 81,779 13.33
Total Equity 84,505 66,932 26.26 81,779 13.33
Profitability (%)
Net Income($000) 3,882 3,570 8.74 4,002 (11.99)
Net Income Attributable to Parent($000) 3,882 3,570 8.74 4,002 (11.99)
ROAA 1.77 1.79 (2) bp 1.85 (8) bp
Core ROAA 1.76 1.80 (4) bp 1.87 (11) bp
ROAE 18.68 22.09 (341) bp 20.04 (136) bp
ROATCE 19.11 22.41 (330) bp 20.57 (146) bp
Core ROAE 18.54 22.19 (365) bp 20.31 (177) bp
Net Interest Margin 4.60 4.73 (13) bp 4.76 (16) bp
Reported: Net Interest Margin 4.60 4.73 (13) bp 4.72 (12) bp
Efficiency Ratio 49.81 51.36 (155) bp 49.44 37 bp
Noninterest Inc/ Operating Rev 16.90 17.03 (13) bp 18.32 (142) bp
Balance Sheet Ratios (%)
Loans/ Deposits 83.11 78.20 491 bp 77.85 526 bp
Securities/ Assets 18.82 21.17 (235) bp 19.47 (65) bp
Total Equity/ Total Assets 9.77 8.12 165 bp 9.20 57 bp
Tangible Equity/ Tangible Assets 9.67 7.99 168 bp 9.10 57 bp
Tang Common Equity/ Tang Assets 9.67 7.99 168 bp 9.10 57 bp
Asset Quality (%)
NPAs/ Assets 0.43 0.41 2 bp 0.52 (9) bp
NPA Excl Restructured/ Assets 0.33 0.28 5 bp 0.42 (9) bp
NPAs & 90+ PD/ Assets 0.43 0.41 2 bp 0.52 (9) bp
NPAs/ Loans & REO 0.59 0.59 0 bp 0.76 (17) bp
Nonaccrual & 90+ & OREO/ Assets 0.33 0.28 5 bp 0.42 (9) bp
NPAs & 90+ PD/ Loans & REO 0.59 0.59 0 bp 0.76 (17) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 4.09 4.59 (50) bp 5.27 (118) bp
NCOs/ Avg Loans 0.38 0.06 32 bp 0.09 29 bp
Loan Loss Reserves/ Gross Loans 1.16 1.22 (6) bp 1.19 (3) bp
Loan Loss Provision/ NCO 102.92 227.27 (12,435) bp 227.27 (12,435) 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) 5,165,760 5,137,476 0.55 5,159,560 0.48
Avg Diluted Shares(actual) 5,231,000 5,222,000 0.17 5,227,000 0.31
Basic Book Value per Share 16.36 13.03 25.56 15.85 12.87
Book Value per Share, As Reported 16.36 13.03 25.56 15.85 12.87
Basic Tangible Book Value per Share 16.18 12.80 26.41 15.66 13.28
Tangible Book Value per Share, As Reported 16.18 12.80 26.41 15.66 13.28
EPS after Extra 0.74 0.68 8.82 0.77 (15.58)
EPS after Extra Growth(%) 8.80 209.10 (20,027) bp 8.50 37 bp
Core EPS 0.73 0.68 7.35 0.78 (25.64)
Core EPS Growth(%) 7.50 33.20 (2,573) bp 9.90 (235) bp
Diluted EPS before Amortization 0.75 0.68 10.29 0.78 (15.38)
Pre-Provision Earnings per Share 0.88 0.76 15.79 0.89 (4.49)

   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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