Financial Highlights

Financial Highlights
2020 FQ2
6/30/2020
2019 FQ2
6/30/2019
Y-Y Ch (%)
2020 FQ1
3/31/2020
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 1,299,476 1,131,645 14.83 1,177,996 41.25
Total Net Loans NA 712,872 NA 756,736 NA
Total Deposits 1,107,914 941,606 17.66 982,852 50.90
Equity Attributable to Parent Company 122,162 112,514 8.57 116,506 19.42
Total Equity 122,162 112,514 8.57 116,506 19.42
Profitability (%)
Net Income($000) 3,599 3,089 16.51 2,165 264.94
Net Income Attributable to Parent($000) 3,599 3,089 16.51 2,165 264.94
ROAA 1.16 1.10 6 bp 0.74 42 bp
Core ROAA 1.07 1.06 1 bp 0.72 35 bp
ROAE 12.06 11.45 61 bp 7.38 468 bp
ROATCE 12.06 11.45 61 bp 7.38 468 bp
Core ROAE 11.08 11.06 2 bp 7.24 384 bp
Net Interest Margin 3.23 3.55 (32) bp 3.40 (17) bp
Reported: Net Interest Margin 3.23 3.56 (33) bp 3.41 (18) bp
Efficiency Ratio 62.62 68.61 (599) bp 75.31 (1,269) bp
Noninterest Inc/ Operating Rev 28.07 22.30 577 bp 22.76 531 bp
Balance Sheet Ratios (%)
Loans/ Deposits 75.45 76.29 (84) bp 77.75 (230) bp
Securities/ Assets NA 26.87 NA 28.39 NA
Total Equity/ Total Assets 9.40 9.94 (54) bp 9.89 (49) bp
Tangible Equity/ Tangible Assets 9.40 9.94 (54) bp 9.89 (49) bp
Tang Common Equity/ Tang Assets 9.40 9.94 (54) bp 9.89 (49) bp
Asset Quality (%)
NPAs/ Assets NA 0.16 NA NA NA
NPA Excl Restructured/ Assets NA 0.16 NA 0.20 NA
NPAs & 90+ PD/ Assets NA 0.18 NA NA NA
NPAs/ Loans & REO NA 0.25 NA NA NA
Nonaccrual & 90+ & OREO/ Assets NA 0.18 NA 0.22 NA
NPAs & 90+ PD/ Loans & REO NA 0.28 NA NA NA
NPA & Loans 90+/ Tangible Common Equity + LLR NA 1.69 NA NA NA
NCOs/ Avg Loans NA (0.02) NA 0 NA
Loan Loss Reserves/ Gross Loans NA 1.24 NA 1.28 NA
Reserves/ NPAs NA 495.14 NA NA NA
Loan Loss Provision/ NCO NM 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($000) NA NA NA NA NA
Tier 1 Common Capital (CET1) Ratio(%) NA 13.60 NA 13.10 NA
Tier 1 Ratio(%) NA 13.60 NA 13.10 NA
Total Capital Ratio(%) NA 14.70 NA 14.30 NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA 10 NA 9.90 NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) NA 5,698,384 NA 5,598,501 NA
Avg Diluted Shares(actual) 5,623,438 5,692,506 (1.21) 5,627,257 (0.27)
Basic Book Value per Share NA 19.74 NA 20.81 NA
Book Value per Share, As Reported NA NA NA 20.81 NA
Basic Tangible Book Value per Share NA 19.74 NA 20.81 NA
Tangible Book Value per Share, As Reported NA NA NA 20.81 NA
Common Dividends Declared per Share 0.16 0.16 0 0.16 0
EPS after Extra 0.64 0.54 18.52 0.38 273.68
EPS after Extra Growth(%) 18.50 45.90 (2,743) bp (16.50) 3,500 bp
Core EPS 0.59 0.52 13.46 0.37 237.84
Core EPS Growth(%) 12.70 38.60 (2,597) bp (15.60) 2,824 bp
Diluted EPS before Amortization 0.64 0.54 18.52 0.38 273.68
Pre-Provision Earnings per Share 0.69 0.49 40.82 0.39 307.69

   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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