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Financial Highlights

Financial Highlights
2019 FQ3 YTD
9/30/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
Balance Sheet ($000)
Total Assets 898,550 926,898 884,084 889,598 933,604
Total Net Loans NA 628,343 565,910 545,836 547,548
Total Deposits 719,203 725,532 722,755 737,732 757,922
Equity Attributable to Parent Company 89,745 79,418 81,189 74,403 70,307
Total Equity 89,745 79,418 81,189 74,403 70,307
Profitability (%)
Net Income($000) 7,381 2,938 7,278 4,015 6,485
Net Income Attributable to Parent($000) 7,381 2,938 7,278 4,015 6,485
ROAA 1.06 0.31 0.82 0.44 0.69
Core ROAA 0.52 0.47 0.61 0.55 0.48
ROAE 11.50 3.75 9.32 5.38 7.28
ROATCE 13.01 4.35 10.73 6.26 10.72
Core ROAE 5.64 5.72 6.87 6.65 5.09
Net Interest Margin 3.46 3.36 3.48 3.17 3.23
Reported: Net Interest Margin 3.46 3.36 3.48 3.17 3.23
Efficiency Ratio 83.13 84.91 79.83 79.56 80.42
Noninterest Inc/ Operating Rev 15.56 13.81 15.37 18 15.65
Balance Sheet Ratios (%)
Loans/ Deposits NA 87.53 79.21 75.02 73.35
Securities/ Assets NA 26.45 29.36 29.50 27.60
Total Equity/ Total Assets 9.99 8.57 9.18 8.36 7.53
Tangible Equity/ Tangible Assets 8.98 7.58 8.15 7.32 6.52
Tang Common Equity/ Tang Assets 8.98 7.58 8.15 7.32 6.52
Asset Quality (%)
NPAs/ Assets NA 0.50 0.69 0.77 NA
NPA Excl Restructured/ Assets NA 0.26 0.35 0.39 0.77
NPAs & 90+ PD/ Assets NA 0.50 0.69 0.77 NA
NPAs/ Loans & REO NA 0.73 1.07 1.23 NA
Nonaccrual & 90+ & OREO/ Assets NA 0.26 0.35 0.39 0.77
NPAs & 90+ PD/ Loans & REO NA 0.73 1.07 1.23 NA
NPA & Loans 90+/ Tangible Common Equity + LLR NA 6.05 7.81 9.46 NA
NCOs/ Avg Loans NA 0.08 0.11 0.13 0.03
Loan Loss Reserves/ Gross Loans NA 1.12 1.26 1.42 1.55
Reserves/ NPAs NA 153.82 118.06 115.23 NA
Loan Loss Provision/ NCO NA 80.08 0 0 0
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 76,070 72,741 68,082 66,004
Tier 1 Capital($000) NA 96,055 92,466 87,565 85,883
Tier 2 Capital($000) NA 7,258 7,860 7,621 7,116
Total Capital($000) NA 103,313 100,326 95,186 92,999
Total Risk-weighted Assets($000) NA 622,371 602,244 586,525 567,532
Tier 1 Common Capital (CET1) Ratio(%) 12.86 12.23 12.08 11.61 11.63
Tier 1 Ratio(%) 16.02 15.44 15.35 14.93 15.14
Total Capital Ratio(%) 17.20 16.60 16.66 16.23 16.39
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.11 9.93 10.45 9.83 9.08
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
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 32.61 28.86 29.51 27.04 25.55
Book Value per Share, As Reported 32.61 28.86 29.51 27.04 25.55
Basic Tangible Book Value per Share 29 25.25 25.88 23.40 21.89
Tangible Book Value per Share, As Reported 29 25.25 25.88 23.40 21.89
Common Dividends Declared per Share 0.70 0.70 0.64 0.64 0.64
EPS after Extra 2.68 1.07 2.64 1.46 2.26
EPS after Extra Growth(%) 76.30 (59.50) 80.80 (35.40) (18.10)
Core EPS 1.31 1.63 1.94 1.80 1.55
Core EPS Growth(%) (4.90) (16.10) 7.70 16.50 (13.30)
Diluted EPS before Amortization 2.68 1.09 2.65 1.48 2.28
Pre-Provision Earnings per Share 1.27 1.44 1.58 1.51 1.30
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.