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Financial Highlights

Financial Highlights
2019 FQ1 YTD
3/31/2019
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 1,398,497 1,393,150 1,336,190 1,249,816 1,180,557
Total Net Loans 1,026,364 1,022,997 977,182 878,570 799,737
Total Deposits 1,168,123 1,164,975 1,095,764 1,037,294 945,519
Equity Attributable to Parent Company 142,308 137,461 124,003 114,536 104,487
Total Equity 142,308 137,461 124,003 114,536 104,487
Profitability (%)
Net Income($000) 3,503 13,688 7,203 9,922 (2,497)
Net Income Attributable to Parent($000) 3,503 13,688 7,203 9,922 (2,497)
ROAA 1.01 1.01 0.56 0.83 (0.22)
Core ROAA 1.01 1.01 0.87 0.90 0.60
ROAE 10.02 10.59 5.91 8.92 (2.31)
ROATCE 10.02 10.59 6.40 10.21 (1.20)
Core ROAE 10.05 10.55 9.19 9.67 6.42
Net Interest Margin 3.76 3.76 3.78 3.80 3.87
Reported: Net Interest Margin 3.81 3.76 3.78 3.80 3.87
Efficiency Ratio 66.63 66.66 66.28 64.58 74.26
Noninterest Inc/ Operating Rev 7.82 8.52 8.89 8.75 10.32
Balance Sheet Ratios (%)
Loans/ Deposits 88.59 88.58 90.01 85.63 85.42
Securities/ Assets 17.90 18.45 19.50 21.71 24.44
Total Equity/ Total Assets 10.18 9.87 9.28 9.16 8.85
Tangible Equity/ Tangible Assets 10.18 9.87 9.28 9.10 8.63
Tang Common Equity/ Tang Assets 10.18 9.87 9.28 9.10 8.63
Asset Quality (%)
NPAs/ Assets 1.28 1.36 1.28 1.55 1.76
NPA Excl Restructured/ Assets 0.87 0.76 0.88 1.17 1.37
NPAs & 90+ PD/ Assets 1.28 1.36 1.28 1.55 1.76
NPAs/ Loans & REO 1.72 1.83 1.73 2.16 2.55
Nonaccrual & 90+ & OREO/ Assets 0.87 0.76 0.88 1.17 1.37
NPAs & 90+ PD/ Loans & REO 1.72 1.83 1.73 2.16 2.55
NPA & Loans 90+/ Tangible Common Equity + LLR 11.82 12.93 12.83 15.67 18.58
NCOs/ Avg Loans 0.12 0 0.12 0.06 (0.04)
Loan Loss Reserves/ Gross Loans 0.85 0.89 0.93 1.09 1.24
Reserves/ NPAs 49.34 48.21 53.66 50.16 48.39
Loan Loss Provision/ NCO 0 NM 51.21 32.17 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA NA 123,960 115,403 104,333
Tier 1 Capital($000) NA NA 128,084 119,527 108,457
Tier 2 Capital($000) NA NA 8,826 9,350 9,700
Total Capital($000) NA NA 136,910 128,877 118,157
Total Risk-weighted Assets($000) NA NA 1,077,905 979,615 897,891
Tier 1 Common Capital (CET1) Ratio(%) NA NA 11.50 11.78 11.62
Tier 1 Ratio(%) NA NA 11.88 12.20 12.08
Total Capital Ratio(%) NA NA 12.70 13.16 13.16
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA NA 9.74 9.60 9.38
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 22,168,979 22,132,304 22,072,523 21,959,648 21,866,944
Avg Diluted Shares(actual) 22,430,000 22,569,000 22,512,206 22,161,221 21,826,845
Basic Book Value per Share 6.42 6.21 5.62 5.22 4.78
Book Value per Share, As Reported NA NA 5.62 NA NA
Basic Tangible Book Value per Share 6.42 6.21 5.62 5.17 4.65
Tangible Book Value per Share, As Reported NA NA 5.62 5.17 4.65
Common Dividends Declared per Share 0.03 0 0 0 0
EPS after Extra 0.16 0.61 0.32 0.45 (0.11)
EPS after Extra Growth(%) 33.30 90.60 (28.90) NM NM
Core EPS 0.16 0.61 0.50 0.49 0.31
Core EPS Growth(%) 35 22.10 2 59.40 (10.60)
Diluted EPS before Amortization 0.16 0.61 0.36 0.54 (0.03)
Pre-Provision Earnings per Share 0.16 0.59 0.42 0.39 0.21
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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