Financial Highlights

Financial Highlights
2019 FQ3
9/30/2019
2018 FQ3
9/30/2018
Y-Y Ch (%)
2019 FQ2
6/30/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 1,145,998 1,062,195 7.89 1,131,645 5.07
Total Net Loans 730,208 662,145 10.28 712,872 9.73
Total Deposits 946,991 890,926 6.29 941,606 2.29
Equity Attributable to Parent Company 115,637 99,202 16.57 112,514 11.10
Total Equity 115,637 99,202 16.57 112,514 11.10
Profitability (%)
Net Income($000) 2,924 2,577 13.47 3,089 (21.37)
Net Income Attributable to Parent($000) 2,924 2,577 13.47 3,089 (21.37)
ROAA 1.03 0.98 5 bp 1.10 (7) bp
Core ROAA 1.02 0.98 4 bp 1.06 (4) bp
ROAE 10.30 10.42 (12) bp 11.45 (115) bp
ROATCE 10.30 10.42 (12) bp 11.45 (115) bp
Core ROAE 10.16 10.39 (23) bp 11.06 (90) bp
Net Interest Margin 3.56 3.52 4 bp 3.55 1 bp
Reported: Net Interest Margin 3.55 3.52 3 bp 3.56 (1) bp
Efficiency Ratio 65.73 70.35 (462) bp 68.61 (288) bp
Noninterest Inc/ Operating Rev 23.75 24.70 (95) bp 22.30 145 bp
Balance Sheet Ratios (%)
Loans/ Deposits 77.94 74.95 299 bp 76.29 165 bp
Securities/ Assets 27.25 28.95 (170) bp 26.87 38 bp
Total Equity/ Total Assets 10.09 9.34 75 bp 9.94 15 bp
Tangible Equity/ Tangible Assets 10.09 9.34 75 bp 9.94 15 bp
Tang Common Equity/ Tang Assets 10.09 9.34 75 bp 9.94 15 bp
Asset Quality (%)
NPAs/ Assets 0.32 0.14 18 bp 0.16 16 bp
NPA Excl Restructured/ Assets 0.22 0.10 12 bp 0.16 6 bp
NPAs & 90+ PD/ Assets 0.34 0.15 19 bp 0.18 16 bp
NPAs/ Loans & REO 0.49 0.22 27 bp 0.25 24 bp
Nonaccrual & 90+ & OREO/ Assets 0.24 0.11 13 bp 0.18 6 bp
NPAs & 90+ PD/ Loans & REO 0.53 0.23 30 bp 0.28 25 bp
NPA & Loans 90+/ Tangible Common Equity + LLR 3.15 1.46 169 bp 1.69 146 bp
NCOs/ Avg Loans 0.06 (0.04) 10 bp (0.02) 8 bp
Loan Loss Reserves/ Gross Loans 1.28 1.26 2 bp 1.24 4 bp
Reserves/ NPAs 261.50 572.55 (31,105) bp 495.14 (23,364) bp
Loan Loss Provision/ NCO 557.52 NM NM NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA NA NA NA NA
Tier 1 Capital($000) NA NA NA NA NA
Tier 2 Capital($000) NA NA NA NA NA
Total Capital($000) NA NA NA NA NA
Total Risk-weighted Assets($000) NA NA NA NA NA
Tier 1 Common Capital (CET1) Ratio(%) 13.50 13.50 0 bp 13.60 (10) bp
Tier 1 Ratio(%) 13.50 13.50 0 bp 13.60 (10) bp
Total Capital Ratio(%) 14.70 14.60 10 bp 14.70 0 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10 10.10 (10) bp 10 0 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 5,677,161 5,722,548 (0.79) 5,698,384 (1.49)
Avg Diluted Shares(actual) 5,685,679 5,716,004 (0.53) 5,692,506 (0.48)
Basic Book Value per Share 20.37 17.34 17.47 19.74 12.77
Book Value per Share, As Reported NA NA NA NA NA
Basic Tangible Book Value per Share 20.37 17.34 17.47 19.74 12.77
Tangible Book Value per Share, As Reported NA NA NA NA NA
Common Dividends Declared per Share 0.16 0.15 14.29 0.15 26.67
EPS after Extra 0.51 0.45 13.33 0.54 (22.22)
EPS after Extra Growth(%) 13.30 26.80 (1,343) bp 45.90 (3,262) bp
Core EPS 0.50 0.45 11.11 0.52 (15.38)
Core EPS Growth(%) 12.10 33.70 (2,162) bp 38.60 (2,656) bp
Diluted EPS before Amortization 0.51 0.45 13.33 0.54 (22.22)
Pre-Provision Earnings per Share 0.56 0.44 27.27 0.49 57.14

   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.


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.
Copyright 2019, © S&P Global Market Intelligence  Terms of Use
Excel download Social media sharing Email page PDF view Print view Email Alert
Contact us and we’ll answer your questions.