Financial Highlights

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Financial Highlights
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
Highlight Graph
Balance Sheet ($000)
Total Assets 860,985 837,918 840,908 778,098 718,540
Total Net Loans 711,705 664,391 657,457 578,255 565,615
Total Deposits 705,657 672,701 698,413 629,304 562,134
Equity Attributable to Parent Company 83,559 77,574 71,987 68,149 66,923
Total Equity 83,559 77,574 71,987 68,149 66,923
Profitability (%)
Net Income($000) 6,180 7,880 5,106 5,057 5,115
Net Income Attributable to Parent($000) 6,180 7,880 5,106 5,057 5,115
ROAA 0.74 0.95 0.64 0.68 0.72
Core ROAA 0.74 0.95 0.63 0.68 0.71
ROAE 7.57 10.48 7.17 7.38 7.70
ROATCE NA 12.13 8.39 8.70 9.13
Core ROAE 7.57 10.51 7.15 7.40 7.62
Net Interest Margin 3.35 3.30 3.59 3.64 3.69
Efficiency Ratio 80.05 74.53 83.14 80.20 79.16
Noninterest Inc/ Operating Rev 39.39 40.37 38.36 40.16 41
Balance Sheet Ratios (%)
Loans/ Deposits 101.92 99.94 95.20 93.09 101.89
Securities/ Assets 10.18 13.69 12.99 14.94 13.25
Total Equity/ Total Assets 9.71 9.26 8.56 8.76 9.31
Tangible Equity/ Tangible Assets 8.16 8.17 7.46 7.57 8.03
Tang Common Equity/ Tang Assets 8.16 8.17 7.46 7.57 8.03
Asset Quality (%)
NPAs/ Assets 1 0.64 1.21 1.72 0.74
NPA Excl Restructured/ Assets 0.56 0.16 0.72 0.94 0.74
NPAs & 90+ PD/ Assets 1 0.64 1.23 1.99 0.89
NPAs/ Loans & REO 1.19 0.79 1.53 2.28 0.92
Nonaccrual & 90+ & OREO/ Assets 0.56 0.16 0.73 1.21 0.89
NPAs & 90+ PD/ Loans & REO 1.19 0.79 1.55 2.64 1.12
NPA & Loans 90+/ Tangible Common Equity + LLR 11.09 7.03 14.90 23.52 9.97
NCOs/ Avg Loans 0.10 0 0.07 0.07 0.08
Loan Loss Reserves/ Gross Loans 1.17 1.24 1.12 1.30 1.28
Reserves/ NPAs 98.12 156.24 73.17 57.09 138.11
Loan Loss Provision/ NCO 113.48 NM 65.36 177.34 238.20
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA NA 65,963 60,808 58,422
Tier 1 Capital($000) NA NA 65,963 60,808 58,422
Tier 2 Capital($000) NA NA 7,475 7,624 7,310
Total Capital($000) NA NA 73,438 68,432 65,732
Total Risk-weighted Assets($000) NA NA 697,169 651,039 598,139
Tier 1 Common Capital (CET1) Ratio(%) NA NA 9.46 9.34 9.77
Tier 1 Ratio(%) NA NA 9.46 9.34 9.77
Total Capital Ratio(%) NA NA 10.53 10.51 10.99
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA NA 8.13 7.80 8.09
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 2,205,887 2,234,918 2,234,622 2,234,622 2,282,336
Avg Diluted Shares(actual) 2,223,022 2,232,295 2,229,694 2,247,556 2,285,461
Basic Book Value per Share 37.88 34.71 32.21 30.50 29.32
Book Value per Share, As Reported 37.88 34.71 32.21 30.50 29.32
Basic Tangible Book Value per Share 31.32 30.25 27.74 26 24.91
Tangible Book Value per Share, As Reported 31.32 30.26 27.74 26 24.91
Common Dividends Declared per Share 0.64 0.64 0.62 0.60 0.60
EPS after Extra 2.78 3.53 2.29 2.25 2.24
EPS after Extra Growth(%) (21.20) 54.10 1.80 0.40 (43.70)
Core EPS 2.78 3.54 2.29 2.26 2.22
Core EPS Growth(%) (21.40) 54.90 1.30 1.80 (32.80)
Diluted EPS before Amortization NA 3.55 2.31 2.27 2.26
Pre-Provision Earnings per Share 3.21 4.01 2.01 2.36 2.39
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