Financial Highlights


Financial Highlights
2019 FY
12/31/2019
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 507,378 416,468 335,689 281,997 236,305
Total Net Loans 437,449 342,093 276,503 226,968 184,410
Total Deposits 451,467 371,404 298,613 253,710 209,729
Equity Attributable to Parent Company 46,826 40,564 34,534 24,892 21,754
Total Equity 46,826 40,564 34,534 24,892 21,754
Profitability (%)
Net Income($000) 5,619 5,762 3,283 2,855 2,740
Net Income Attributable to Parent($000) 5,619 5,762 3,283 2,855 2,740
ROAA 1.24 1.51 1.05 1.11 1.33
Core ROAA 1.24 1.51 1.19 1.11 1.33
ROAE 12.87 15.51 10.31 12.28 14.33
ROATCE 12.87 15.51 10.31 12.28 14.33
Core ROAE 12.87 15.51 11.60 12.28 14.33
Net Interest Margin 5.17 5.23 5.56 5.29 5.52
Reported: Net Interest Margin NA NA NA 5.30 5.50
Efficiency Ratio 58.68 53.24 51.89 55.27 54.39
Noninterest Inc/ Operating Rev 7.13 8.18 7.96 8.24 12.52
Balance Sheet Ratios (%)
Loans/ Deposits 98.36 93.49 93.95 90.79 89.26
Securities/ Assets 1.08 1 1.84 2.33 2.66
Total Equity/ Total Assets 9.23 9.74 10.29 8.83 9.21
Tangible Equity/ Tangible Assets 9.23 9.74 10.29 8.83 9.21
Tang Common Equity/ Tang Assets 9.23 9.74 10.29 8.83 9.21
Asset Quality (%)
NPAs/ Assets 0.25 0.56 0.44 0.53 0.47
NPA Excl Restructured/ Assets 0.17 0.55 0.42 0.52 0.45
NPAs & 90+ PD/ Assets 0.25 0.56 0.44 0.53 0.47
NPAs/ Loans & REO 0.29 0.67 0.52 0.65 0.59
Nonaccrual & 90+ & OREO/ Assets 0.17 0.55 0.42 0.52 0.45
NPAs & 90+ PD/ Loans & REO 0.29 0.67 0.52 0.65 0.59
NPA & Loans 90+/ Tangible Common Equity + LLR 2.42 5.12 3.82 5.32 4.49
NCOs/ Avg Loans 0.39 0.34 0.63 0.38 0.24
Loan Loss Reserves/ Gross Loans 1.49 1.48 1.44 1.47 1.49
Reserves/ NPAs 510.29 219.35 274.49 224.62 253.72
Loan Loss Provision/ NCO 194.88 202.52 142.77 176.60 234.24
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 46,822 40,588 34,542 24,899 21,746
Tier 1 Capital($000) 46,822 40,588 34,542 24,899 21,746
Tier 2 Capital($000) 5,985 4,743 3,902 3,049 2,560
Total Capital($000) 52,807 45,331 38,444 27,948 24,306
Total Risk-weighted Assets($000) 478,103 378,929 311,951 243,568 204,520
Tier 1 Common Capital (CET1) Ratio(%) 9.79 10.71 11.07 10.22 10.63
Tier 1 Ratio(%) 9.79 10.71 11.07 10.22 10.63
Total Capital Ratio(%) 11.05 11.96 12.32 11.47 11.88
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.39 10.07 10.15 9.34 9.41
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 5,192,085 5,149,699 5,119,951 4,437,208 4,387,799
Avg Diluted Shares(actual) 5,230,560 5,215,585 4,955,133 4,486,453 4,282,578
Basic Book Value per Share 9.02 7.88 6.74 5.61 4.96
Book Value per Share, As Reported 9.02 7.80 6.74 5.61 5.02
Basic Tangible Book Value per Share 9.02 7.88 6.74 5.61 4.96
Tangible Book Value per Share, As Reported 9.02 7.80 6.74 5.61 5.02
Common Dividends Declared per Share 0 0 0 0 0
EPS after Extra 1.07 1.10 0.66 0.64 0.64
EPS after Extra Growth(%) (2.70) 66.70 3.10 0 9.10
Core EPS 1.07 1.10 0.74 0.64 0.64
Core EPS Growth(%) (2.70) 48.10 16.10 0 9.40
Diluted EPS before Amortization 1.07 1.10 0.66 0.64 0.64
Pre-Provision Earnings per Share 1.58 1.50 1.07 0.87 0.81
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