Financial Highlights

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Financial Highlights
2019 FQ3 YTD
9/30/2019
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 1,301,773 1,209,587 1,179,813 1,127,443 1,035,295
Total Net Loans 926,962 961,078 932,350 883,338 772,391
Total Deposits 1,159,601 1,082,629 1,047,181 982,120 918,512
Equity Attributable to Parent Company 126,100 118,396 115,144 116,493 111,376
Total Equity 126,100 118,396 115,144 116,493 111,376
Profitability (%)
Net Income($000) 11,720 6,125 2,176 8,087 10,204
Net Income Attributable to Parent($000) 11,720 6,125 2,176 8,087 10,204
ROAA 1.26 0.52 0.19 0.74 1
Core ROAA 1.24 0.52 0.39 0.74 0.95
ROAE 12.89 5.34 1.80 7.04 9.52
ROATCE 13.93 5.80 1.94 7.64 10.52
Core ROAE 12.67 5.31 3.69 7.01 9.03
Net Interest Margin 3.74 3.78 3.72 3.62 3.59
Reported: Net Interest Margin 3.75 3.78 3.72 3.62 3.59
Efficiency Ratio 65.25 68.15 82.26 65.58 66.44
Noninterest Inc/ Operating Rev 24.11 23.63 24.62 25 26.51
Balance Sheet Ratios (%)
Loans/ Deposits 80.82 89.91 90.12 91.01 85.14
Securities/ Assets 11.40 10.95 10.85 12.94 15.51
Total Equity/ Total Assets 9.69 9.79 9.76 10.33 10.76
Tangible Equity/ Tangible Assets 9.06 9.11 9.06 9.61 9.97
Tang Common Equity/ Tang Assets 9.06 9.11 9.06 9.61 9.97
Asset Quality (%)
NPAs/ Assets 1.27 1.20 1.43 1.93 2.41
NPA Excl Restructured/ Assets 0.57 0.41 0.45 0.86 1.14
NPAs & 90+ PD/ Assets 1.29 1.23 1.43 1.98 2.45
NPAs/ Loans & REO 1.76 1.48 1.78 2.41 3.16
Nonaccrual & 90+ & OREO/ Assets 0.59 0.44 0.45 0.92 1.18
NPAs & 90+ PD/ Loans & REO 1.78 1.52 1.78 2.49 3.21
NPA & Loans 90+/ Tangible Common Equity + LLR 12.94 12.17 14.27 18.87 22.52
NCOs/ Avg Loans 0.06 0.97 (0.01) 0.33 0.04
Loan Loss Reserves/ Gross Loans 1.30 1.28 1.25 1.24 1.29
Reserves/ NPAs 73.53 85.79 70.07 51.02 40.42
Loan Loss Provision/ NCO 50.43 106.68 NM 135.50 414.52
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 121,613 115,760 112,315 111,691 106,082
Tier 1 Capital($000) 121,613 115,760 112,315 111,691 106,082
Tier 2 Capital($000) NA 10,369 10,009 9,765 9,019
Total Capital($000) 132,242 126,129 122,324 121,456 115,101
Total Risk-weighted Assets($000) 836,976 829,226 798,966 775,302 718,006
Tier 1 Common Capital (CET1) Ratio(%) 14.53 13.96 14.06 14.41 14.77
Tier 1 Ratio(%) 14.53 13.96 14.06 14.41 14.77
Total Capital Ratio(%) 15.80 15.21 15.31 15.67 16.03
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.45 9.78 9.73 10.11 10.38
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 4,344,315 4,408,761 4,354,788 4,316,836 4,275,879
Avg Diluted Shares(actual) 4,406,000 4,404,000 4,359,000 4,302,000 4,250,000
Basic Book Value per Share 29.03 26.85 26.44 26.99 26.05
Book Value per Share, As Reported 29.03 26.85 26.44 26.99 26.05
Basic Tangible Book Value per Share 26.95 24.81 24.37 24.90 23.94
Tangible Book Value per Share, As Reported 26.95 24.81 24.37 24.90 23.94
Common Dividends Declared per Share 0.87 1.05 0.93 0.82 0.74
EPS after Extra 2.66 1.39 0.50 1.88 2.40
EPS after Extra Growth(%) 401.90 178 (73.40) (21.70) 20
Core EPS 2.61 1.38 1.03 1.87 2.28
Core EPS Growth(%) 402.80 34.50 (45.20) (17.80) 10.10
Diluted EPS before Amortization 2.66 1.39 0.50 1.88 2.44
Pre-Provision Earnings per Share 2.47 2.84 0.96 1.98 1.95
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