Financial Highlights

Excel download Email page PDF view Print view Email Alert Social media sharing
Financial Highlights
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
2013 FY
12/31/2013
Balance Sheet ($000)
Total Assets 1,179,813 1,127,443 1,035,295 1,001,448 984,587
Total Net Loans 932,350 883,338 772,391 717,809 714,060
Total Deposits 1,047,181 982,120 918,512 881,181 845,724
Equity Attributable to Parent Company 115,144 116,493 111,376 103,521 95,388
Total Equity 115,144 116,493 111,376 103,521 95,388
Profitability (%)
Net Income($000) 2,176 8,087 10,204 8,402 6,232
Net Income Attributable to Parent($000) 2,176 8,087 10,204 8,402 6,232
ROAA 0.19 0.74 1 0.83 0.61
Core ROAA 0.19 0.74 0.95 0.86 0.68
ROAE 1.80 7.04 9.52 8.44 6.72
ROATCE 1.94 7.64 10.52 9.71 7.85
Core ROAE 1.80 7.01 9.03 8.73 7.50
Net Interest Margin 3.72 3.62 3.59 3.56 3.47
Reported: Net Interest Margin 3.72 3.62 3.59 3.56 3.47
Efficiency Ratio 87.08 65.58 66.44 68.81 68.79
Noninterest Inc/ Operating Rev 24.58 25 26.51 25.50 24.28
Balance Sheet Ratios (%)
Loans/ Deposits 90.12 91.01 85.14 82.45 85.54
Securities/ Assets 10.85 12.94 15.51 17.22 16.44
Total Equity/ Total Assets 9.76 10.33 10.76 10.34 9.69
Tangible Equity/ Tangible Assets 9.06 9.61 9.97 9.51 8.79
Tang Common Equity/ Tang Assets 9.06 9.61 9.97 9.51 8.79
Asset Quality (%)
NPAs/ Assets NA 1.93 2.41 3.09 4.50
NPA Excl Restructured/ Assets 0.45 0.86 1.14 1.59 2.98
NPAs & 90+ PD/ Assets NA 1.98 2.45 3.12 4.56
NPAs/ Loans & REO NA 2.41 3.16 4.23 6.08
Nonaccrual & 90+ & OREO/ Assets 0.45 0.92 1.18 1.63 3.04
NPAs & 90+ PD/ Loans & REO NA 2.49 3.21 4.28 6.16
NPA & Loans 90+/ Tangible Common Equity + LLR NA 18.87 22.52 30.20 47.07
NCOs/ Avg Loans (0.01) 0.33 0.04 0.19 0.49
Loan Loss Reserves/ Gross Loans 1.25 1.24 1.29 1.25 1.34
Reserves/ NPAs NA 51.02 40.42 29.47 21.90
Loan Loss Provision/ NCO NM 135.50 414.52 56.38 81.18
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 112,315 111,691 106,082 97,594 90,659
Tier 1 Capital($000) 112,315 111,691 106,082 97,594 90,659
Tier 2 Capital($000) 10,009 9,765 9,019 NA NA
Total Capital($000) 122,324 121,456 115,101 106,529 99,598
Total Risk-weighted Assets($000) 798,966 775,302 718,006 687,592 699,256
Tier 1 Common Capital (CET1) Ratio(%) 14.06 14.41 14.77 14.19 12.97
Tier 1 Ratio(%) 14.06 14.41 14.77 14.19 12.97
Total Capital Ratio(%) 15.31 15.67 16.03 15.49 14.24
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.73 10.11 10.38 9.69 9.14
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 4,354,917 4,316,836 4,275,879 4,218,330 4,168,673
Avg Diluted Shares(actual) 4,359,000 4,302,000 4,250,000 4,196,000 4,139,000
Basic Book Value per Share 26.44 26.99 26.05 24.54 22.88
As-reported Book Value per Share 26.44 26.99 26.05 24.54 22.88
Basic Tangible Book Value per Share 24.37 24.90 23.94 22.36 20.55
Reported: Tangible Book Value NA 24.90 23.94 22.36 20.55
Common Dividends Declared per Share 0.93 0.82 0.74 0.68 0.68
EPS after Extra 0.50 1.88 2.40 2 1.51
EPS after Extra Growth(%) (73.40) (21.70) 20 32.50 14.40
Core EPS 0.50 1.87 2.28 2.07 1.69
Core EPS Growth(%) (73.30) (17.80) 10.10 22.70 21.30
Diluted EPS before Amortization 0.50 1.88 2.44 2.12 1.61
Pre-Provision Earnings per Share 0.96 1.98 1.95 1.72 1.75
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.