Financial Highlights

Financial Highlights
2020 FQ1
3/31/2020
2019 FQ1
3/31/2019
Y-Y Ch (%)
2019 FQ4
12/31/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 879,571 831,377 5.80 865,191 6.65
Total Net Loans 619,487 569,778 8.72 616,036 2.24
Total Deposits 762,886 730,923 4.37 747,324 8.33
Equity Attributable to Parent Company 90,227 72,707 24.10 84,505 27.08
Total Equity 90,227 72,707 24.10 84,505 27.08
Profitability (%)
Net Income($000) 3,316 3,818 (13.15) 3,882 (58.32)
Net Income Attributable to Parent($000) 3,316 3,818 (13.15) 3,882 (58.32)
ROAA 1.52 1.84 (32) bp 1.77 (25) bp
Core ROAA 1.54 1.87 (33) bp 1.76 (22) bp
ROAE 15.12 21.94 (682) bp 18.68 (356) bp
ROATCE 15.46 22.62 (716) bp 19.11 (365) bp
Core ROAE 15.30 22.25 (695) bp 18.54 (324) bp
Net Interest Margin 4.54 4.89 (35) bp 4.60 (6) bp
Reported: Net Interest Margin 4.57 4.95 (38) bp 4.60 (3) bp
Efficiency Ratio 53.16 49.26 390 bp 49.81 335 bp
Noninterest Inc/ Operating Rev 19.44 17.31 213 bp 16.90 254 bp
Balance Sheet Ratios (%)
Loans/ Deposits 81.83 78.76 307 bp 83.11 (128) bp
Securities/ Assets 18.50 21.20 (270) bp 18.82 (32) bp
Total Equity/ Total Assets 10.26 8.75 151 bp 9.77 49 bp
Tangible Equity/ Tangible Assets 10.17 8.62 155 bp 9.67 50 bp
Tang Common Equity/ Tang Assets 10.17 8.62 155 bp 9.67 50 bp
Asset Quality (%)
NPAs/ Assets 0.45 0.45 0 bp 0.43 2 bp
NPA Excl Restructured/ Assets 0.35 0.33 2 bp 0.33 2 bp
NPAs & 90+ PD/ Assets 0.45 0.45 0 bp 0.43 2 bp
NPAs/ Loans & REO 0.63 0.64 (1) bp 0.59 4 bp
Nonaccrual & 90+ & OREO/ Assets 0.35 0.33 2 bp 0.33 2 bp
NPAs & 90+ PD/ Loans & REO 0.63 0.64 (1) bp 0.59 4 bp
NPA & Loans 90+/ Tangible Common Equity + LLR 4.10 4.72 (62) bp 4.09 1 bp
NCOs/ Avg Loans 0.12 0.21 (9) bp 0.38 (26) bp
Loan Loss Reserves/ Gross Loans 1.24 1.23 1 bp 1.16 8 bp
Loan Loss Provision/ NCO 396.83 137.46 25,937 bp 102.92 29,391 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) 5,176,032 5,150,876 0.49 5,165,760 0.80
Avg Diluted Shares(actual) 5,231,000 5,225,000 0.11 5,231,000 0
Basic Book Value per Share 17.43 14.12 23.44 16.36 26.16
Book Value per Share, As Reported 17.43 14.12 23.44 16.36 26.16
Basic Tangible Book Value per Share 17.26 13.90 24.17 16.18 26.70
Tangible Book Value per Share, As Reported 17.26 13.90 24.17 16.18 26.70
EPS after Extra 0.63 0.73 (13.70) 0.74 (59.46)
EPS after Extra Growth(%) (13.70) 15.90 (2,957) bp 8.80 (2,252) bp
Core EPS 0.64 0.74 (13.51) 0.73 (49.32)
Core EPS Growth(%) (13.90) 23.50 (3,735) bp 7.50 (2,140) bp
Diluted EPS before Amortization 0.64 0.74 (13.51) 0.75 (58.67)
Pre-Provision Earnings per Share 0.80 0.86 (6.98) 0.88 (36.36)

   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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