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 1,042,761 986,828 876,627 816,005 733,071
Total Net Loans 828,530 768,161 692,625 641,142 558,185
Total Deposits 847,954 802,552 729,600 673,073 586,453
Equity Attributable to Parent Company 134,246 130,435 94,000 86,548 81,241
Total Equity 134,246 130,435 94,000 86,548 81,241
Profitability (%)
Net Income($000) 8,615 11,638 11,065 8,784 7,619
Net Income Attributable to Parent($000) 8,615 11,638 11,065 8,784 7,619
ROAA 1.13 1.23 1.29 1.11 1.06
Core ROAA 1.11 1.24 1.08 1.09 1.08
ROAE 8.67 9.61 12.36 10.39 9.69
ROATCE 10.42 11.76 17.07 14.44 14.13
Core ROAE 8.51 9.70 10.35 10.20 9.86
Net Interest Margin 3.87 3.95 3.78 3.75 3.78
Reported: Net Interest Margin 3.87 3.95 3.78 3.75 3.78
Efficiency Ratio 71.26 69.30 68.93 68.63 67.79
Noninterest Inc/ Operating Rev 31.12 33.23 37.59 40.54 40.22
Balance Sheet Ratios (%)
Loans/ Deposits 97.10 96.18 95.48 95.74 95.09
Securities/ Assets 8.24 9.71 NA NA 12.83
Total Equity/ Total Assets 12.87 13.22 10.72 10.61 11.08
Tangible Equity/ Tangible Assets 11.36 11.75 9.02 8.77 9.04
Tang Common Equity/ Tang Assets 10.07 10.31 7.39 7.02 7.09
Asset Quality (%)
NPAs/ Assets 0.44 0.40 0.44 0.65 1.15
NPA Excl Restructured/ Assets 0.36 0.31 0.31 0.46 0.95
NPAs & 90+ PD/ Assets 0.44 0.40 0.44 0.65 1.15
NPAs/ Loans & REO 0.55 0.51 0.55 0.82 1.49
Nonaccrual & 90+ & OREO/ Assets 0.36 0.31 0.31 0.46 0.95
NPAs & 90+ PD/ Loans & REO 0.55 0.51 0.55 0.82 1.49
NPA & Loans 90+/ Tangible Common Equity + LLR 4.11 3.66 5.39 8.33 14.58
NCOs/ Avg Loans 0.03 0.05 0.03 0 0.17
Loan Loss Reserves/ Gross Loans 1.01 1.05 1.13 1.19 1.24
Reserves/ NPAs 185.05 205.98 205.49 145.18 82.90
Loan Loss Provision/ NCO 285.71 165.29 205.13 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) 6,357,141 6,503,250 4,792,646 4,844,079 4,890,886
Avg Diluted Shares(actual) 7,955,000 7,719,000 7,474,000 6,376,000 6,423,000
Basic Book Value per Share 19.03 17.91 16.70 14.98 13.75
Book Value per Share, As Reported 17.28 16.36 15.05 13.75 12.81
Basic Tangible Book Value per Share 16.23 15.39 13.27 11.59 10.39
Tangible Book Value per Share, As Reported 16.23 15.39 13.27 11.59 10.39
Common Dividends Declared per Share 0.27 0.32 0.28 0.24 0.20
EPS after Extra 1.08 1.51 1.48 1.38 1.19
EPS after Extra Growth(%) (5.30) 2 7.20 16 11.20
Core EPS 1.06 1.52 1.24 1.35 1.21
Core EPS Growth(%) (8.10) 23 (8.50) 11.90 3.90
Diluted EPS before Amortization 1.08 1.51 1.48 1.38 1.22
Pre-Provision Earnings per Share 1.07 1.56 1.21 1.37 1.23
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