Financial Highlights

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Financial Highlights
2019 FQ2 YTD
6/30/2019
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 879,154 837,918 840,908 778,098 718,540
Total Net Loans 672,553 664,391 657,457 578,255 565,615
Total Deposits 733,968 672,701 698,413 629,304 562,134
Equity Attributable to Parent Company 82,283 77,574 71,987 68,149 66,923
Total Equity 82,283 77,574 71,987 68,149 66,923
Profitability (%)
Net Income($000) 2,601 7,880 5,106 5,057 5,115
Net Income Attributable to Parent($000) 2,601 7,880 5,106 5,057 5,115
ROAA 0.63 0.95 0.64 0.68 0.72
Core ROAA 0.63 0.95 0.63 0.68 0.71
ROAE 6.49 10.48 7.17 7.38 7.70
ROATCE 7.44 12.13 8.39 8.70 9.13
Core ROAE 6.51 10.51 7.15 7.40 7.62
Net Interest Margin 3.25 3.30 3.59 3.64 3.69
Efficiency Ratio 82.64 74.53 83.14 80.20 79.16
Noninterest Inc/ Operating Rev 39.47 40.37 38.36 40.16 41
Balance Sheet Ratios (%)
Loans/ Deposits 92.87 99.94 95.20 93.09 101.89
Securities/ Assets 12.60 13.69 12.99 14.94 13.25
Total Equity/ Total Assets 9.36 9.26 8.56 8.76 9.31
Tangible Equity/ Tangible Assets 8.32 8.17 7.46 7.57 8.03
Tang Common Equity/ Tang Assets 8.32 8.17 7.46 7.57 8.03
Asset Quality (%)
NPAs/ Assets 0.66 0.64 1.21 1.72 0.74
NPA Excl Restructured/ Assets 0.23 0.16 0.72 0.94 0.74
NPAs & 90+ PD/ Assets 0.67 0.64 1.23 1.99 0.89
NPAs/ Loans & REO 0.85 0.79 1.53 2.28 0.92
Nonaccrual & 90+ & OREO/ Assets 0.24 0.16 0.73 1.21 0.89
NPAs & 90+ PD/ Loans & REO 0.86 0.79 1.55 2.64 1.12
NPA & Loans 90+/ Tangible Common Equity + LLR 7.17 7.03 14.90 23.52 9.97
NCOs/ Avg Loans (0.16) 0 0.07 0.07 0.08
Loan Loss Reserves/ Gross Loans 1.37 1.24 1.12 1.30 1.28
Reserves/ NPAs 161.24 156.24 73.17 57.09 138.11
Loan Loss Provision/ NCO NM 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) 2,233,523 2,234,918 2,234,622 2,234,622 2,282,336
Avg Diluted Shares(actual) 2,242,241 2,232,295 2,229,694 2,247,556 2,285,461
Basic Book Value per Share 36.84 34.71 32.21 30.50 29.32
Book Value per Share, As Reported 36.84 34.71 32.21 30.50 29.32
Basic Tangible Book Value per Share 32.39 30.25 27.74 26 24.91
Tangible Book Value per Share, As Reported 32.38 30.26 27.74 26 24.91
Common Dividends Declared per Share 0 0.64 0.62 0.60 0.60
EPS after Extra 1.16 3.53 2.29 2.25 2.24
EPS after Extra Growth(%) (49.30) 54.10 1.80 0.40 (43.70)
Core EPS 1.16 3.54 2.29 2.26 2.22
Core EPS Growth(%) (49.30) 54.90 1.30 1.80 (32.80)
Diluted EPS before Amortization 1.17 3.55 2.31 2.27 2.26
Pre-Provision Earnings per Share 1.34 4.01 2.01 2.36 2.39
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