Financial Highlights

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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 1,262,126 1,269,157 1,209,587 1,179,813 1,127,443
Total Net Loans 924,407 924,649 961,078 932,350 883,338
Total Deposits 1,117,433 1,125,392 1,082,629 1,047,181 982,120
Equity Attributable to Parent Company 129,005 127,528 118,396 115,144 116,493
Total Equity 129,005 127,528 118,396 115,144 116,493
Profitability (%)
Net Income($000) 1,719 16,115 6,125 2,176 8,087
Net Income Attributable to Parent($000) 1,719 16,115 6,125 2,176 8,087
ROAA 0.54 1.29 0.52 0.19 0.74
Core ROAA 0.37 1.22 0.52 0.39 0.74
ROAE 5.31 13.17 5.34 1.80 7.04
ROATCE 5.70 14.22 5.80 1.94 7.64
Core ROAE 3.66 12.45 5.30 3.69 7.01
Net Interest Margin 3.52 3.68 3.78 3.72 3.62
Reported: Net Interest Margin 3.53 3.68 3.78 3.72 3.62
Efficiency Ratio 69.21 66.06 68.16 82.26 65.58
Noninterest Inc/ Operating Rev 23.87 24.93 23.62 24.62 25
Balance Sheet Ratios (%)
Loans/ Deposits 83.80 83.04 89.91 90.12 91.01
Securities/ Assets 16.56 14.85 10.95 10.85 12.94
Total Equity/ Total Assets 10.22 10.05 9.79 9.76 10.33
Tangible Equity/ Tangible Assets 9.58 9.40 9.11 9.06 9.61
Tang Common Equity/ Tang Assets 9.58 9.40 9.11 9.06 9.61
Asset Quality (%)
NPAs/ Assets 1.03 1.12 1.20 1.43 1.93
NPA Excl Restructured/ Assets 0.29 0.30 0.41 0.45 0.86
NPAs & 90+ PD/ Assets 1.03 1.13 1.23 1.43 1.98
NPAs/ Loans & REO 1.39 1.52 1.48 1.78 2.41
Nonaccrual & 90+ & OREO/ Assets 0.29 0.31 0.44 0.45 0.92
NPAs & 90+ PD/ Loans & REO 1.39 1.53 1.52 1.78 2.49
NPA & Loans 90+/ Tangible Common Equity + LLR 9.68 11 12.17 14.27 18.87
NCOs/ Avg Loans 0.10 0.07 0.97 (0.01) 0.33
Loan Loss Reserves/ Gross Loans 1.57 1.28 1.28 1.25 1.24
Reserves/ NPAs 113.20 83.83 85.79 70.07 51.02
Loan Loss Provision/ NCO NM 34.55 106.68 NM 135.50
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 124,498 115,760 112,315 111,691
Tier 1 Capital($000) NA 124,498 115,760 112,315 111,691
Tier 2 Capital($000) NA 10,563 10,369 10,009 9,765
Total Capital($000) NA 135,061 126,129 122,324 121,456
Total Risk-weighted Assets($000) NA 840,067 829,226 798,966 775,302
Tier 1 Common Capital (CET1) Ratio(%) 14.73 14.82 13.96 14.06 14.41
Tier 1 Ratio(%) 14.73 14.82 13.96 14.06 14.41
Total Capital Ratio(%) 15.99 16.08 15.21 15.31 15.67
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.85 9.72 9.78 9.73 10.11
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 4,337,520 4,352,753 4,408,761 4,354,788 4,316,836
Avg Diluted Shares(actual) 4,361,000 4,396,000 4,404,000 4,359,000 4,302,000
Basic Book Value per Share 29.74 29.30 26.85 26.44 26.99
Book Value per Share, As Reported 29.74 29.30 26.85 26.44 26.99
Basic Tangible Book Value per Share 27.66 27.23 24.81 24.37 24.90
Tangible Book Value per Share, As Reported 27.66 27.23 24.81 24.37 24.90
Common Dividends Declared per Share 0.30 1.17 1.05 0.93 0.82
EPS after Extra 0.39 3.67 1.39 0.50 1.88
EPS after Extra Growth(%) (46.60) 164 178 (73.40) (21.70)
Core EPS 0.27 3.47 1.38 1.03 1.87
Core EPS Growth(%) (62.90) 151.80 34.40 (45.20) (17.80)
Diluted EPS before Amortization 0.39 3.67 1.39 0.50 1.88
Pre-Provision Earnings per Share 0.71 3.26 2.84 0.96 1.98
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