Financial Highlights

Financial Highlights
2019 FQ4
12/31/2019
2018 FQ4
12/31/2018
Y-Y Ch (%)
2019 FQ3
9/30/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 1,171,750 1,097,842 6.73 1,145,998 8.99
Total Net Loans NA 686,836 NA 730,208 NA
Total Deposits 974,088 919,734 5.91 946,991 11.45
Equity Attributable to Parent Company 116,688 102,802 13.51 115,637 3.64
Total Equity 116,688 102,802 13.51 115,637 3.64
Profitability (%)
Net Income($000) 2,779 2,225 24.90 2,924 (19.84)
Net Income Attributable to Parent($000) 2,779 2,225 24.90 2,924 (19.84)
ROAA 0.96 0.83 13 bp 1.03 (7) bp
Core ROAA 0.90 0.92 (2) bp 1.02 (12) bp
ROAE 9.57 9 57 bp 10.30 (73) bp
ROATCE 9.57 9 57 bp 10.30 (73) bp
Core ROAE 8.97 10.02 (105) bp 10.16 (119) bp
Net Interest Margin 3.45 3.65 (20) bp 3.56 (11) bp
Reported: Net Interest Margin 3.45 3.57 (12) bp 3.55 (10) bp
Efficiency Ratio 74.89 71.68 321 bp 65.73 916 bp
Noninterest Inc/ Operating Rev 23.60 22.44 116 bp 23.75 (15) bp
Balance Sheet Ratios (%)
Loans/ Deposits 77.37 75.46 191 bp 77.94 (57) bp
Securities/ Assets NA 27.90 NA 27.25 NA
Total Equity/ Total Assets 9.96 9.36 60 bp 10.09 (13) bp
Tangible Equity/ Tangible Assets 9.96 9.36 60 bp 10.09 (13) bp
Tang Common Equity/ Tang Assets 9.96 9.36 60 bp 10.09 (13) bp
Asset Quality (%)
NPAs/ Assets NA 0.21 NA 0.32 NA
NPA Excl Restructured/ Assets NA 0.17 NA 0.22 NA
NPAs & 90+ PD/ Assets NA 0.24 NA 0.34 NA
NPAs/ Loans & REO NA 0.33 NA 0.49 NA
Nonaccrual & 90+ & OREO/ Assets NA 0.20 NA 0.24 NA
NPAs & 90+ PD/ Loans & REO NA 0.39 NA 0.53 NA
NPA & Loans 90+/ Tangible Common Equity + LLR NA 2.40 NA 3.15 NA
NCOs/ Avg Loans NA (0.03) NA 0.06 NA
Loan Loss Reserves/ Gross Loans NA 1.25 NA 1.28 NA
Reserves/ NPAs NA 379.92 NA 261.50 NA
Loan Loss Provision/ NCO NM NM NM 557.52 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 108,480 NA NA NA
Tier 1 Capital($000) NA 108,480 NA NA NA
Tier 2 Capital($000) NA 8,999 NA NA NA
Total Capital($000) NA 117,479 NA NA NA
Total Risk-weighted Assets($000) 859,247 821,818 4.55 NA NA
Tier 1 Common Capital (CET1) Ratio(%) NA 13.20 NA 13.50 NA
Tier 1 Ratio(%) NA 13.20 NA 13.50 NA
Total Capital Ratio(%) NA 14.30 NA 14.70 NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA 10 NA 10 NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 5,640,742 5,705,064 (1.13) 5,677,161 (2.57)
Avg Diluted Shares(actual) 5,671,429 5,705,128 (0.59) 5,685,679 (1)
Basic Book Value per Share 20.69 18.02 14.82 20.37 6.28
Book Value per Share, As Reported NA 18.02 NA NA NA
Basic Tangible Book Value per Share 20.69 18.02 14.82 20.37 6.28
Tangible Book Value per Share, As Reported NA 18.02 NA NA NA
Common Dividends Declared per Share 0.16 0.15 14.29 0.16 0
EPS after Extra 0.49 0.39 25.64 0.51 (15.69)
EPS after Extra Growth(%) 25.60 271.40 (24,579) bp 13.30 1,231 bp
Core EPS 0.46 0.43 6.98 0.50 (32)
Core EPS Growth(%) 5.90 60.40 (5,446) bp 12.10 (616) bp
Diluted EPS before Amortization 0.49 0.39 25.64 0.51 (15.69)
Pre-Provision Earnings per Share 0.42 0.43 (2.33) 0.56 (100)

   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.
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