Financial Highlights

Financial Highlights
2019 FQ4
12/31/2019
2018 FQ3
9/30/2018
Y-Y Ch (%)
2019 FQ2
6/30/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 865,191 770,748 12.25 839,258 12.36
Total Net Loans 616,036 535,998 14.93 588,600 18.64
Total Deposits 747,324 682,842 9.44 737,211 5.49
Equity Attributable to Parent Company 84,505 62,366 35.50 77,038 38.77
Total Equity 84,505 62,366 35.50 77,038 38.77
Profitability (%)
Net Income($000) 3,881 3,696 5.01 3,810 7.45
Net Income Attributable to Parent($000) 3,881 3,696 5.01 3,810 7.45
ROAA 1.77 1.92 (15) bp 1.82 (5) bp
Core ROAA 1.76 1.92 (16) bp 1.84 (8) bp
ROAE 18.67 23.97 (530) bp 20.55 (188) bp
ROATCE 19.15 24.01 (486) bp 21.15 (200) bp
Core ROAE 18.60 23.99 (539) bp 20.76 (216) bp
Net Interest Margin 4.60 4.82 (22) bp 4.72 (12) bp
Reported: Net Interest Margin 4.60 4.78 (18) bp 4.73 (13) bp
Efficiency Ratio 47.85 49.99 (214) bp 50.93 (308) bp
Noninterest Inc/ Operating Rev 16.96 21.08 (412) bp 17.86 (90) bp
Balance Sheet Ratios (%)
Loans/ Deposits 83.11 79.50 361 bp 80.47 264 bp
Securities/ Assets NA 20.73 NA 21.11 NA
Total Equity/ Total Assets 9.77 8.09 168 bp 9.18 59 bp
Tangible Equity/ Tangible Assets 9.67 8.08 159 bp 9.07 60 bp
Tang Common Equity/ Tang Assets 9.67 8.08 159 bp 9.07 60 bp
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 0.38 0.11 27 bp 0.14 24 bp
Loan Loss Reserves/ Gross Loans 1.16 1.26 (10) bp 1.18 (2) bp
Loan Loss Provision/ NCO 102.92 197.37 (9,445) bp 95.69 723 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) 5,166,000 5,125,476 0.79 5,159,560 0.50
Avg Diluted Shares(actual) 5,231,000 5,225,000 0.11 5,228,000 0.23
Basic Book Value per Share 16.36 12.17 34.43 14.93 38.31
Book Value per Share, As Reported 16.36 12.17 34.43 14.93 38.31
Basic Tangible Book Value per Share 16.18 12.15 33.17 14.73 39.38
Tangible Book Value per Share, As Reported 16.18 12.15 33.17 14.73 39.38
EPS after Extra 0.74 0.71 4.23 0.73 5.48
EPS after Extra Growth(%) 8.80 51.10 (4,224) bp 10.60 (179) bp
Core EPS 0.74 0.71 4.23 0.74 0
Core EPS Growth(%) 7.90 51.10 (4,316) bp 11.70 (379) bp
Diluted EPS before Amortization 0.75 0.71 5.63 0.74 5.41
Pre-Provision Earnings per Share 0.88 0.82 7.32 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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