Financial Highlights
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Financial Highlights
2016 FY
12/31/2016
2017 FY
12/31/2017
2018 FY
12/31/2018
2018 FQ4 YTD
12/31/2018
Balance Sheet ($000)
Total Assets 300,985 314,176 334,211 334,211
Total Net Loans 196,890 226,197 240,529 240,529
Total Deposits 218,412 212,159 233,371 233,371
Equity Attributable to Parent Company 33,638 35,719 37,340 37,340
Total Equity 33,638 35,719 37,340 37,340
Profitability (%)
Net Income($000) 3,594 3,413 4,167 4,167
Net Income Attributable to Parent($000) 3,594 3,413 4,167 4,167
ROAA 1.22 1.12 1.28 1.28
Core ROAA 1.22 1.23 1.32 1.32
ROAE 10.58 9.69 11.46 11.46
ROATCE 10.67 9.71 11.50 11.50
Core ROAE 10.59 10.63 11.82 11.82
Net Interest Margin 3.52 3.56 3.60 3.60
Reported: Net Interest Margin 3.52 3.56 3.60 3.60
Efficiency Ratio 60.23 64.22 63.45 63.45
Noninterest Inc/ Operating Rev 24.51 20.91 22.96 22.96
Balance Sheet Ratios (%)
Loans/ Deposits 91.54 107.41 104.10 104.10
Securities/ Assets 22.84 19.20 19.49 19.49
Total Equity/ Total Assets 11.18 11.37 11.17 11.17
Tangible Equity/ Tangible Assets 11.14 11.33 11.14 11.14
Tang Common Equity/ Tang Assets 11.10 11.30 11.10 11.10
Asset Quality (%)
NPAs/ Assets 1.63 0.79 0.86 0.86
NPA Excl Restructured/ Assets 1.22 0.72 0.81 0.81
NPAs & 90+ PD/ Assets 1.63 0.79 0.86 0.86
NPAs/ Loans & REO 2.45 1.09 1.18 1.18
Nonaccrual & 90+ & OREO/ Assets 1.22 0.72 0.81 0.81
NPAs & 90+ PD/ Loans & REO 2.45 1.09 1.18 1.18
NPA & Loans 90+/ Tangible Common Equity + LLR 13.39 6.53 7.20 7.20
NCOs/ Avg Loans 0.03 (0.10) 0.03 0.03
Loan Loss Reserves/ Gross Loans 1.57 1.20 1.17 1.17
Reserves/ NPAs 64.26 110.01 99.27 99.27
Loan Loss Provision/ NCO 0 NM 269.23 269.23
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA NA NA NA
Tier 1 Capital($000) 33,716 35,318 37,557 37,557
Tier 2 Capital($000) 2,791 2,747 2,856 2,856
Total Capital($000) 36,507 38,065 40,413 40,413
Total Risk-weighted Assets($000) 222,932 239,022 252,667 252,667
Tier 1 Common Capital (CET1) Ratio(%) NA NA NA NA
Tier 1 Ratio(%) 15.12 14.78 14.86 14.86
Total Capital Ratio(%) 16.38 15.93 15.99 15.99
Liquidity Coverage Ratio(%) NA NA NA NA
Leverage Ratio(%) 11.22 11.38 11.26 11.26
Basel III Leverage Ratio(%) NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 1,207,379 1,214,879 1,206,327 1,206,327
Avg Diluted Shares(actual) 1,202,240 1,200,913 1,195,678 1,195,678
Basic Book Value per Share 27.77 29.31 30.86 30.86
Book Value per Share, As Reported 27.86 29.40 30.95 30.95
Basic Tangible Book Value per Share 27.66 29.20 30.75 30.75
Common Dividends Declared per Share 1.35 1.40 1.72 1.72
EPS after Extra 2.99 2.84 3.48 3.48
EPS after Extra Growth(%) (6.30) (5) 22.50 22.50
Core EPS 3 3.12 3.59 3.59
Core EPS Growth(%) 0.90 4.10 15.10 15.10
Diluted EPS before Amortization 2.99 2.84 3.48 3.48
Pre-Provision Earnings per Share 2.75 2.47 3.42 3.42
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.
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