Financial Highlights

Financial Highlights
2019 FQ2 YTD
6/30/2019
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 1,029,123 986,828 876,627 816,005 733,071
Total Net Loans 815,782 768,161 692,625 641,142 558,185
Total Deposits 839,374 802,552 729,600 673,073 586,453
Equity Attributable to Parent Company 133,937 130,435 94,000 86,548 81,241
Total Equity 133,937 130,435 94,000 86,548 81,241
Profitability (%)
Net Income($000) 4,853 11,638 11,065 8,784 7,619
Net Income Attributable to Parent($000) 4,853 11,638 11,065 8,784 7,619
ROAA 0.96 1.23 1.29 1.11 1.06
Core ROAA 0.93 1.24 1.08 1.09 1.08
ROAE 7.36 9.61 12.36 10.39 9.69
ROATCE 8.70 11.76 17.07 14.44 14.13
Core ROAE 7.12 9.70 10.35 10.20 9.86
Net Interest Margin 3.85 3.95 3.78 3.75 3.78
Reported: Net Interest Margin 3.84 3.95 3.78 3.75 3.78
Efficiency Ratio 74.67 69.30 68.93 68.63 67.79
Noninterest Inc/ Operating Rev 27.41 33.23 37.59 40.54 40.22
Balance Sheet Ratios (%)
Loans/ Deposits 97.04 96.18 95.48 95.74 95.09
Securities/ Assets 8.99 9.71 NA NA 12.83
Total Equity/ Total Assets 13.01 13.22 10.72 10.61 11.08
Tangible Equity/ Tangible Assets 11.48 11.75 9.02 8.77 9.04
Tang Common Equity/ Tang Assets 10.10 10.31 7.39 7.02 7.09
Asset Quality (%)
NPAs/ Assets 0.43 0.40 0.44 0.65 1.15
NPA Excl Restructured/ Assets 0.35 0.31 0.31 0.46 0.95
NPAs & 90+ PD/ Assets 0.43 0.40 0.44 0.65 1.15
NPAs/ Loans & REO 0.54 0.51 0.55 0.82 1.49
Nonaccrual & 90+ & OREO/ Assets 0.35 0.31 0.31 0.46 0.95
NPAs & 90+ PD/ Loans & REO 0.54 0.51 0.55 0.82 1.49
NPA & Loans 90+/ Tangible Common Equity + LLR 4.03 3.66 5.39 8.33 14.58
NCOs/ Avg Loans 0.02 0.05 0.03 0 0.17
Loan Loss Reserves/ Gross Loans 1.01 1.05 1.13 1.19 1.24
Reserves/ NPAs 186.65 205.98 205.49 145.18 82.90
Loan Loss Provision/ NCO 327.87 165.29 205.13 NM 124.86
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($000) NA NA NA NA NA
Tier 1 Common Capital (CET1) Ratio(%) NA NA NA NA NA
Tier 1 Ratio(%) NA NA NA NA NA
Total Capital Ratio(%) NA NA NA NA NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA NA NA NA NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 6,451,499 6,503,250 4,792,646 4,844,079 4,890,886
Avg Diluted Shares(actual) 7,982,000 7,719,000 7,474,000 6,376,000 6,423,000
Basic Book Value per Share 18.59 17.91 16.70 14.98 13.75
Book Value per Share, As Reported 16.89 16.36 15.05 13.75 12.81
Basic Tangible Book Value per Share 15.83 15.39 13.27 11.59 10.39
Tangible Book Value per Share, As Reported 15.83 15.39 13.27 11.59 10.39
Common Dividends Declared per Share 0.18 0.32 0.28 0.24 0.20
EPS after Extra 0.61 1.51 1.48 1.38 1.19
EPS after Extra Growth(%) (18.70) 2 7.20 16 11.20
Core EPS 0.59 1.52 1.24 1.35 1.21
Core EPS Growth(%) (23.60) 23 (8.50) 11.90 3.90
Diluted EPS before Amortization 0.61 1.51 1.48 1.38 1.22
Pre-Provision Earnings per Share 0.59 1.56 1.21 1.37 1.23
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