Financial Highlights

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Financial Highlights
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
Balance Sheet ($000)
Total Assets 1,209,587 1,179,813 1,127,443 1,035,295 1,001,448
Total Net Loans 961,078 932,350 883,338 772,391 717,809
Total Deposits 1,082,629 1,047,181 982,120 918,512 881,181
Equity Attributable to Parent Company 118,396 115,144 116,493 111,376 103,521
Total Equity 118,396 115,144 116,493 111,376 103,521
Profitability (%)
Net Income($000) 6,125 2,176 8,087 10,204 8,402
Net Income Attributable to Parent($000) 6,125 2,176 8,087 10,204 8,402
ROAA 0.52 0.19 0.74 1 0.83
Core ROAA 0.52 0.39 0.74 0.95 0.86
ROAE 5.34 1.80 7.04 9.52 8.44
ROATCE 5.80 1.94 7.64 10.52 9.71
Core ROAE 5.31 3.69 7.01 9.03 8.73
Net Interest Margin 3.78 3.72 3.62 3.59 3.56
Reported: Net Interest Margin 3.78 3.72 3.62 3.59 3.56
Efficiency Ratio 68.15 82.26 65.58 66.44 68.81
Noninterest Inc/ Operating Rev 23.63 24.62 25 26.51 25.50
Balance Sheet Ratios (%)
Loans/ Deposits 89.91 90.12 91.01 85.14 82.45
Securities/ Assets 10.95 10.85 12.94 15.51 17.22
Total Equity/ Total Assets 9.79 9.76 10.33 10.76 10.34
Tangible Equity/ Tangible Assets 9.11 9.06 9.61 9.97 9.51
Tang Common Equity/ Tang Assets 9.11 9.06 9.61 9.97 9.51
Asset Quality (%)
NPAs/ Assets 1.20 1.43 1.93 2.41 3.09
NPA Excl Restructured/ Assets 0.41 0.45 0.86 1.14 1.59
NPAs & 90+ PD/ Assets 1.23 1.43 1.98 2.45 3.12
NPAs/ Loans & REO 1.48 1.78 2.41 3.16 4.23
Nonaccrual & 90+ & OREO/ Assets 0.44 0.45 0.92 1.18 1.63
NPAs & 90+ PD/ Loans & REO 1.52 1.78 2.49 3.21 4.28
NPA & Loans 90+/ Tangible Common Equity + LLR 12.17 14.27 18.87 22.52 30.20
NCOs/ Avg Loans 0.97 (0.01) 0.33 0.04 0.19
Loan Loss Reserves/ Gross Loans 1.28 1.25 1.24 1.29 1.25
Reserves/ NPAs 85.79 70.07 51.02 40.42 29.47
Loan Loss Provision/ NCO 106.68 NM 135.50 414.52 56.38
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 115,760 112,315 111,691 106,082 97,594
Tier 1 Capital($000) 115,760 112,315 111,691 106,082 97,594
Tier 2 Capital($000) 10,369 10,009 9,765 9,019 NA
Total Capital($000) 126,129 122,324 121,456 115,101 106,529
Total Risk-weighted Assets($000) 829,226 798,966 775,302 718,006 687,592
Tier 1 Common Capital (CET1) Ratio(%) 13.96 14.06 14.41 14.77 14.19
Tier 1 Ratio(%) 13.96 14.06 14.41 14.77 14.19
Total Capital Ratio(%) 15.21 15.31 15.67 16.03 15.49
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.78 9.73 10.11 10.38 9.69
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 4,408,761 4,354,788 4,316,836 4,275,879 4,218,330
Avg Diluted Shares(actual) 4,404,000 4,359,000 4,302,000 4,250,000 4,196,000
Basic Book Value per Share 26.85 26.44 26.99 26.05 24.54
Book Value per Share, As Reported 26.85 26.44 26.99 26.05 24.54
Basic Tangible Book Value per Share 24.81 24.37 24.90 23.94 22.36
Tangible Book Value per Share, As Reported 24.81 24.37 24.90 23.94 22.36
Common Dividends Declared per Share 1.05 0.93 0.82 0.74 0.68
EPS after Extra 1.39 0.50 1.88 2.40 2
EPS after Extra Growth(%) 178 (73.40) (21.70) 20 32.50
Core EPS 1.38 1.03 1.87 2.28 2.07
Core EPS Growth(%) 34.50 (45.20) (17.80) 10.10 22.70
Diluted EPS before Amortization 1.39 0.50 1.88 2.44 2.12
Pre-Provision Earnings per Share 2.84 0.96 1.98 1.95 1.72
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