Financial Highlights

Financial Highlights
2020 FQ1 YTD
3/31/2020
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
Balance Sheet ($000)
Total Assets 1,088,313 1,038,577 986,828 876,627 816,005
Total Net Loans 833,134 824,013 768,161 692,625 641,142
Total Deposits 863,891 840,219 802,552 729,600 673,073
Equity Attributable to Parent Company 135,905 136,094 130,435 94,000 86,548
Total Equity 135,905 136,094 130,435 94,000 86,548
Profitability (%)
Net Income($000) 681 11,973 11,638 11,065 8,784
Net Income Attributable to Parent($000) 681 11,973 11,638 11,065 8,784
ROAA 0.26 1.16 1.23 1.29 1.11
Core ROAA 0.26 1.15 1.24 1.08 1.09
ROAE 1.99 8.99 9.61 12.36 10.39
ROATCE 2.29 10.81 11.76 17.07 14.44
Core ROAE 2 8.87 9.70 10.35 10.20
Net Interest Margin 3.48 3.82 3.95 3.78 3.75
Reported: Net Interest Margin 3.48 3.82 3.95 3.78 3.75
Efficiency Ratio 87.47 70.83 69.30 68.93 68.63
Noninterest Inc/ Operating Rev 20.18 33.84 33.23 37.59 40.54
Balance Sheet Ratios (%)
Loans/ Deposits 96.17 98.25 96.18 95.48 95.74
Securities/ Assets 10.33 10.17 9.71 NA NA
Total Equity/ Total Assets 12.49 13.10 13.22 10.72 10.61
Tangible Equity/ Tangible Assets 11.03 11.59 11.75 9.02 8.77
Tang Common Equity/ Tang Assets 11.03 11.59 10.31 7.39 7.02
Asset Quality (%)
NPAs/ Assets 0.61 0.64 0.40 0.44 0.65
NPA Excl Restructured/ Assets 0.54 0.56 0.31 0.31 0.46
NPAs & 90+ PD/ Assets 0.61 0.64 0.40 0.44 0.65
NPAs/ Loans & REO 0.79 0.80 0.51 0.55 0.82
Nonaccrual & 90+ & OREO/ Assets 0.54 0.56 0.31 0.31 0.46
NPAs & 90+ PD/ Loans & REO 0.79 0.80 0.51 0.55 0.82
NPA & Loans 90+/ Tangible Common Equity + LLR 5.26 5.26 3.66 5.39 8.33
NCOs/ Avg Loans 0.19 0.03 0.05 0.03 0
Loan Loss Reserves/ Gross Loans 1.06 1.05 1.05 1.13 1.19
Reserves/ NPAs 134.04 131.08 205.98 205.49 145.18
Loan Loss Provision/ NCO 151.13 377.36 165.29 205.13 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($000) NA NA NA NA NA
Tier 1 Common Capital (CET1) Ratio(%) NA NA NA NA NA
Tier 1 Ratio(%) NA NA NA NA NA
Total Capital Ratio(%) NA NA NA NA NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA NA NA NA NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 7,747,030 7,762,927 6,503,250 4,792,646 4,844,079
Avg Diluted Shares(actual) 7,756,000 7,935,000 7,719,000 7,474,000 6,376,000
Basic Book Value per Share 17.54 17.53 17.91 16.70 14.98
Book Value per Share, As Reported 17.64 17.53 16.36 15.05 13.75
Basic Tangible Book Value per Share 15.24 15.23 15.39 13.27 11.59
Tangible Book Value per Share, As Reported 15.32 15.23 15.39 13.27 11.59
Common Dividends Declared per Share 0.10 0.36 0.32 0.28 0.24
EPS after Extra 0.09 1.51 1.51 1.48 1.38
EPS after Extra Growth(%) (67.90) 0 2 7.20 16
Core EPS 0.09 1.49 1.52 1.24 1.35
Core EPS Growth(%) (67.80) (2.20) 23 (8.50) 11.90
Diluted EPS before Amortization 0.09 1.51 1.51 1.48 1.38
Pre-Provision Earnings per Share 0.14 1.52 1.56 1.21 1.37
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