Financial Highlights
Excel download Email page PDF view Print view Email Alert Social Media Sharing
Financial Highlights
2017 FY
12/31/2017
2018 FY
12/31/2018
2019 FY
12/31/2019
2019 FQ4 YTD
12/31/2019
Balance Sheet ($000)
Total Assets 314,176 334,211 353,924 353,924
Total Net Loans 226,197 240,529 253,596 253,596
Total Deposits 212,159 233,371 252,282 252,282
Equity Attributable to Parent Company 35,719 37,340 41,317 41,317
Total Equity 35,719 37,340 41,317 41,317
Profitability (%)
Net Income($000) 3,413 4,167 4,685 4,685
Net Income Attributable to Parent($000) 3,413 4,167 4,685 4,685
ROAA 1.12 1.28 1.33 1.33
Core ROAA 1.23 1.32 1.31 1.31
ROAE 9.69 11.46 11.74 11.74
ROATCE 9.71 11.50 11.78 11.78
Core ROAE 10.63 11.82 11.56 11.56
Net Interest Margin 3.56 3.60 3.52 3.52
Reported: Net Interest Margin 3.56 3.60 3.52 3.52
Efficiency Ratio 64.22 63.45 61.21 61.21
Noninterest Inc/ Operating Rev 20.91 22.96 22.23 22.23
Balance Sheet Ratios (%)
Loans/ Deposits 107.41 104.10 101.73 101.73
Securities/ Assets 19.20 19.49 18.66 18.66
Total Equity/ Total Assets 11.37 11.17 11.67 11.67
Tangible Equity/ Tangible Assets 11.33 11.14 11.64 11.64
Tang Common Equity/ Tang Assets 11.30 11.10 11.61 11.61
Asset Quality (%)
NPAs/ Assets 0.79 0.86 1.95 1.95
NPA Excl Restructured/ Assets 0.72 0.81 1.82 1.82
NPAs & 90+ PD/ Assets 0.79 0.86 1.95 1.95
NPAs/ Loans & REO 1.09 1.18 2.69 2.69
Nonaccrual & 90+ & OREO/ Assets 0.72 0.81 1.82 1.82
NPAs & 90+ PD/ Loans & REO 1.09 1.18 2.69 2.69
NPA & Loans 90+/ Tangible Common Equity + LLR 6.53 7.20 15.59 15.59
NCOs/ Avg Loans (0.10) 0.03 0.04 0.04
Loan Loss Reserves/ Gross Loans 1.20 1.17 1.24 1.24
Reserves/ NPAs 110.01 99.27 46.24 46.24
Loan Loss Provision/ NCO NM 269.23 472.22 472.22
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA NA NA NA
Tier 1 Capital($000) 35,318 37,557 39,972 39,972
Tier 2 Capital($000) 2,747 2,856 3,192 3,192
Total Capital($000) 38,065 40,413 43,164 43,164
Total Risk-weighted Assets($000) 239,022 252,667 270,161 270,161
Tier 1 Common Capital (CET1) Ratio(%) NA NA NA NA
Tier 1 Ratio(%) 14.78 14.86 14.80 14.80
Total Capital Ratio(%) 15.93 15.99 15.98 15.98
Liquidity Coverage Ratio(%) NA NA NA NA
Leverage Ratio(%) 11.38 11.26 11.20 11.20
Basel III Leverage Ratio(%) NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 1,214,879 1,206,327 1,206,327 1,206,327
Avg Diluted Shares(actual) 1,200,913 1,195,678 1,198,154 1,198,154
Basic Book Value per Share 29.31 30.86 34.16 34.16
Book Value per Share, As Reported 29.40 30.95 34.25 34.25
Basic Tangible Book Value per Share 29.20 30.75 34.05 34.05
Common Dividends Declared per Share 1.40 1.72 1.77 1.77
EPS after Extra 2.84 3.48 3.91 3.91
EPS after Extra Growth(%) (5) 22.50 12.40 12.40
Core EPS 3.12 3.59 3.85 3.85
Core EPS Growth(%) 4.10 15.10 7.30 7.30
Diluted EPS before Amortization 2.84 3.48 3.91 3.91
Pre-Provision Earnings per Share 2.47 3.42 3.83 3.83
Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.
Now More than Ever...First in Hometown Banking
  • Equal Housing Lender
  • FDIC