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Financial Highlights

Financial Highlights
2020 FQ2 YTD
6/30/2020
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
Balance Sheet ($000)
Total Assets 1,065,015 916,995 926,898 884,084 889,598
Total Net Loans NA 630,221 628,343 565,910 545,836
Total Deposits 836,161 731,097 725,532 722,755 737,732
Equity Attributable to Parent Company 92,729 91,379 79,418 81,189 74,403
Total Equity 92,729 91,379 79,418 81,189 74,403
Profitability (%)
Net Income($000) 923 9,284 2,938 7,278 4,015
Net Income Attributable to Parent($000) 923 9,284 2,938 7,278 4,015
ROAA 0.20 1.01 0.31 0.82 0.44
Core ROAA 0.31 0.51 0.47 0.61 0.55
ROAE 2.03 10.69 3.75 9.32 5.38
ROATCE 2.27 12.08 4.35 10.73 6.26
Core ROAE 3.25 5.44 5.72 6.87 6.65
Net Interest Margin 3.26 3.45 3.36 3.48 3.17
Reported: Net Interest Margin 3.26 3.45 3.36 3.48 3.17
Efficiency Ratio 86.62 83.92 84.91 79.83 79.56
Noninterest Inc/ Operating Rev 20.22 15.65 13.81 15.37 18
Balance Sheet Ratios (%)
Loans/ Deposits NA 87 87.53 79.21 75.02
Securities/ Assets NA 18.89 26.45 29.36 29.50
Total Equity/ Total Assets 8.71 9.97 8.57 9.18 8.36
Tangible Equity/ Tangible Assets 7.85 8.98 7.58 8.15 7.32
Tang Common Equity/ Tang Assets 7.85 8.98 7.58 8.15 7.32
Asset Quality (%)
NPAs/ Assets NA NA 0.50 0.69 0.77
NPA Excl Restructured/ Assets NA 0.36 0.26 0.35 0.39
NPAs & 90+ PD/ Assets NA NA 0.50 0.69 0.77
NPAs/ Loans & REO NA NA 0.73 1.07 1.23
Nonaccrual & 90+ & OREO/ Assets NA 0.36 0.26 0.35 0.39
NPAs & 90+ PD/ Loans & REO NA NA 0.73 1.07 1.23
NPA & Loans 90+/ Tangible Common Equity + LLR NA NA 6.05 7.81 9.46
NCOs/ Avg Loans NA 0.02 0.08 0.11 0.13
Loan Loss Reserves/ Gross Loans NA 1.13 1.12 1.26 1.42
Reserves/ NPAs NA NA 153.82 118.06 115.23
Loan Loss Provision/ NCO NA 173.55 80.08 0 0
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 83,102 76,070 72,741 68,082
Tier 1 Capital($000) NA 103,102 96,055 92,466 87,565
Tier 2 Capital($000) NA 7,369 7,258 7,860 7,621
Total Capital($000) NA 110,471 103,313 100,326 95,186
Total Risk-weighted Assets($000) NA 610,595 622,371 602,244 586,525
Tier 1 Common Capital (CET1) Ratio(%) 13.10 13.61 12.23 12.08 11.61
Tier 1 Ratio(%) 16.26 16.89 15.44 15.35 14.93
Total Capital Ratio(%) 17.51 18.10 16.60 16.66 16.23
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.51 11.43 9.93 10.45 9.83
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 2,751,650 2,751,650 2,751,650 2,751,650 2,751,650
Avg Diluted Shares(actual) 2,751,650 2,751,650 2,751,650 2,751,650 2,751,650
Basic Book Value per Share 33.70 33.21 28.86 29.51 27.04
Book Value per Share, As Reported 33.70 33.21 28.86 29.51 27.04
Basic Tangible Book Value per Share 30.09 29.60 25.25 25.88 23.40
Tangible Book Value per Share, As Reported 30.09 29.60 25.25 25.88 23.40
Common Dividends Declared per Share 0.35 0.70 0.70 0.64 0.64
EPS after Extra 0.34 3.37 1.07 2.64 1.46
EPS after Extra Growth(%) (81.40) 215 (59.50) 80.80 (35.40)
Core EPS 0.55 1.71 1.63 1.94 1.80
Core EPS Growth(%) NA 5.10 (16.10) 7.70 16.50
Diluted EPS before Amortization 0.34 3.37 1.09 2.65 1.48
Pre-Provision Earnings per Share 0.68 1.61 1.44 1.58 1.51
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.