Financial Highlights

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Financial Highlights
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
Highlight Graph
Balance Sheet ($000)
Total Assets 837,918 840,908 778,098 718,540 674,795
Total Net Loans 664,391 657,457 578,255 565,615 525,883
Total Deposits 672,701 698,413 629,304 562,134 536,533
Equity Attributable to Parent Company 77,574 71,987 68,149 66,923 64,049
Total Equity 77,574 71,987 68,149 66,923 64,049
Profitability (%)
Net Income($000) 7,880 5,106 5,057 5,115 9,177
Net Income Attributable to Parent($000) 7,880 5,106 5,057 5,115 9,177
ROAA 0.95 0.64 0.68 0.72 1.36
Core ROAA 0.95 0.63 0.68 0.71 1.13
ROAE 10.48 7.17 7.38 7.70 15.06
ROATCE 12.13 8.39 8.70 9.13 19.97
Core ROAE 10.51 7.15 7.40 7.62 12.47
Net Interest Margin 3.30 3.59 3.64 3.69 3.80
Efficiency Ratio 74.53 83.14 80.20 79.16 70.65
Noninterest Inc/ Operating Rev 40.37 38.36 40.16 41 47.63
Balance Sheet Ratios (%)
Loans/ Deposits 99.94 95.20 93.09 101.89 99.15
Securities/ Assets 13.69 12.99 14.94 13.25 13.69
Total Equity/ Total Assets 9.26 8.56 8.76 9.31 9.49
Tangible Equity/ Tangible Assets 8.17 7.46 7.57 8.03 8.11
Tang Common Equity/ Tang Assets 8.17 7.46 7.57 8.03 8.11
Asset Quality (%)
NPAs/ Assets 0.64 1.21 1.72 0.74 0.88
NPA Excl Restructured/ Assets 0.16 0.72 0.94 0.74 0.88
NPAs & 90+ PD/ Assets 0.64 1.23 1.99 0.89 0.88
NPAs/ Loans & REO 0.79 1.53 2.28 0.92 1.12
Nonaccrual & 90+ & OREO/ Assets 0.16 0.73 1.21 0.89 0.88
NPAs & 90+ PD/ Loans & REO 0.79 1.55 2.64 1.12 1.12
NPA & Loans 90+/ Tangible Common Equity + LLR 7.03 14.90 23.52 9.97 9.83
NCOs/ Avg Loans 0 0.07 0.07 0.08 0.76
Loan Loss Reserves/ Gross Loans 1.24 1.12 1.30 1.28 1.26
Reserves/ NPAs 156.24 73.17 57.09 138.11 112.33
Loan Loss Provision/ NCO NM 65.36 177.34 238.20 25.14
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 65,963 60,808 58,422 53,343
Tier 1 Capital($000) NA 65,963 60,808 58,422 63,653
Tier 2 Capital($000) NA 7,475 7,624 7,310 NA
Total Capital($000) NA 73,438 68,432 65,732 70,347
Total Risk-weighted Assets($000) NA 697,169 651,039 598,139 542,239
Tier 1 Common Capital (CET1) Ratio(%) NA 9.46 9.34 9.77 9.84
Tier 1 Ratio(%) NA 9.46 9.34 9.77 11.74
Total Capital Ratio(%) NA 10.53 10.51 10.99 12.97
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA 8.13 7.80 8.09 9.48
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 2,234,918 2,234,622 2,234,622 2,282,336 2,289,836
Avg Diluted Shares(actual) 2,232,295 2,229,694 2,247,556 2,285,461 2,305,779
Basic Book Value per Share 34.71 32.21 30.50 29.32 27.97
Book Value per Share, As Reported 34.71 32.21 30.50 29.32 27.97
Basic Tangible Book Value per Share 30.25 27.74 26 24.91 23.56
Tangible Book Value per Share, As Reported 30.26 27.74 26 24.91 23.56
Common Dividends Declared per Share 0.64 0.62 0.60 0.60 0.60
EPS after Extra 3.53 2.29 2.25 2.24 3.98
EPS after Extra Growth(%) 54.10 1.80 0.40 (43.70) 53.70
Core EPS 3.54 2.29 2.26 2.22 3.30
Core EPS Growth(%) 54.90 1.30 1.80 (32.80) 23.80
Diluted EPS before Amortization 3.55 2.31 2.27 2.26 4.08
Pre-Provision Earnings per Share 4.01 2.01 2.36 2.39 3.46
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