Financial Highlights
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Financial Highlights
2017 FY
12/31/2017
2018 FY
12/31/2018
2019 FY
12/31/2019
2020 FQ3 YTD
9/30/2020
Balance Sheet ($000)
Total Assets 314,176 334,211 353,924 392,920
Total Net Loans 226,197 240,529 253,596 274,424
Total Deposits 212,159 233,371 252,282 292,810
Equity Attributable to Parent Company 35,719 37,340 41,317 45,577
Total Equity 35,719 37,340 41,317 45,577
COVID-19 Financial Disclosure
Paycheck Protection Program Loan($000) NA NA NA NA
PPP Loan Ratio(%) NA NA NA NA
COVID-19 Loan Modification($000) NA NA NA NA
COVID-19 Loan Modification Ratio(%) NA NA NA NA
Processing Fees on PPP Loans($000) NA NA NA NA
Profitability (%)
Net Income($000) 3,413 4,167 4,685 4,124
Net Income Attributable to Parent($000) 3,413 4,167 4,685 4,124
ROAA 1.12 1.28 1.33 1.43
Core ROAA 1.23 1.32 1.31 1.43
ROAE 9.69 11.46 11.74 12.54
ROATCE 9.71 11.50 11.78 12.67
Core ROAE 10.63 11.82 11.56 12.54
Net Interest Margin 3.56 3.60 3.52 3.28
Reported: Net Interest Margin 3.56 3.60 3.52 3.28
Efficiency Ratio 64.22 63.45 61.21 55.08
Noninterest Inc/ Operating Rev 20.91 22.96 22.23 26.59
Balance Sheet Ratios (%)
Loans/ Deposits 107.41 104.10 101.73 94.29
Securities/ Assets 19.20 19.49 18.66 19.45
Total Equity/ Total Assets 11.37 11.17 11.67 11.60
Tangible Equity/ Tangible Assets 11.33 11.14 11.64 11.57
Tang Common Equity/ Tang Assets 11.30 11.10 11.61 11.54
Asset Quality (%)
NPAs/ Assets 0.79 0.86 1.95 1.50
NPA Excl Restructured/ Assets 0.72 0.81 1.82 1.40
NPAs & 90+ PD/ Assets 0.79 0.86 1.95 1.50
NPAs/ Loans & REO 1.09 1.18 2.69 2.12
Nonaccrual & 90+ & OREO/ Assets 0.72 0.81 1.82 1.40
NPAs & 90+ PD/ Loans & REO 1.09 1.18 2.69 2.12
NPA & Loans 90+/ Tangible Common Equity + LLR 6.53 7.20 15.59 11.99
NCOs/ Avg Loans (0.10) 0.03 0.04 (0.06)
Loan Loss Reserves/ Gross Loans 1.20 1.17 1.24 1.36
Reserves/ NPAs 110.01 99.27 46.24 64.24
Loan Loss Provision/ NCO NM 269.23 472.22 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA NA NA NA
Tier 1 Capital($000) 35,318 37,557 39,972 42,480
Tier 2 Capital($000) 2,747 2,856 3,192 3,320
Total Capital($000) 38,065 40,413 43,164 45,800
Total Risk-weighted Assets($000) 239,022 252,667 270,161 265,150
Tier 1 Common Capital (CET1) Ratio(%) NA NA NA NA
Tier 1 Ratio(%) 14.78 14.86 14.80 16.02
Total Capital Ratio(%) 15.93 15.99 15.98 17.27
Liquidity Coverage Ratio(%) NA NA NA NA
Leverage Ratio(%) 11.38 11.26 11.20 10.65
Basel III Leverage Ratio(%) NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 1,214,879 1,206,327 1,206,327 1,210,327
Avg Diluted Shares(actual) 1,200,913 1,195,678 1,198,154 1,205,523
Basic Book Value per Share 29.31 30.86 34.16 37.57
Book Value per Share, As Reported 29.40 30.95 34.25 37.66
Basic Tangible Book Value per Share 29.20 30.75 34.05 37.46
Common Dividends Declared per Share 1.40 1.72 1.77 0.81
EPS after Extra 2.84 3.48 3.91 3.43
EPS after Extra Growth(%) (5) 22.50 12.40 15.90
Core EPS 3.12 3.59 3.85 3.43
Core EPS Growth(%) 4.10 15.10 7.30 18.30
Diluted EPS before Amortization 2.84 3.48 3.91 3.43
Pre-Provision Earnings per Share 2.47 3.42 3.83 3.57
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