Skip Navigation Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view,download Adobe® Acrobat Reader.
ir banner

Financial Highlights

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 877,412 862,435 793,858 747,503 654,267
Total Net Loans 692,916 703,500 619,116 565,912 517,514
Total Deposits 754,494 758,718 704,153 663,484 579,351
Equity Attributable to Parent Company 99,431 88,670 74,762 67,362 57,553
Total Equity 99,431 88,670 74,762 67,362 57,553
Profitability (%)
Net Income($000) 8,661 11,829 5,477 4,477 2,542
Net Income Attributable to Parent($000) 8,661 11,829 5,477 4,477 2,542
ROAA 1.33 1.42 0.74 0.66 0.43
Core ROAA 1.42 1.42 0.94 0.66 0.43
ROAE 12.20 14.50 7.60 7.08 4.69
ROATCE 12.20 14.33 7.52 7.05 3.82
Core ROAE 13.05 14.50 9.57 7.08 4.69
Net Interest Margin 4.58 4.34 4.05 3.63 3.48
Reported: Net Interest Margin NA 4.34 4.05 3.63 3.48
Efficiency Ratio 55.85 55.89 61.12 67.95 74.33
Noninterest Inc/ Operating Rev 2.99 3.37 3.17 2.80 3.40
Balance Sheet Ratios (%)
Loans/ Deposits 92.83 93.70 88.94 86.33 90.41
Securities/ Assets 5.89 6.72 1.55 1.77 2.30
Total Equity/ Total Assets 11.33 10.28 9.42 9.01 8.80
Tangible Equity/ Tangible Assets 11.33 10.28 9.42 9.01 8.80
Tang Common Equity/ Tang Assets 11.33 10.28 9.42 9.01 8.80
Asset Quality (%)
NPAs/ Assets 0.43 0.43 0 0.14 0.19
NPA Excl Restructured/ Assets 0.43 0.43 0 0.14 0.19
NPAs & 90+ PD/ Assets 0.43 0.43 0 0.14 0.19
NPAs/ Loans & REO 0.53 0.53 0 0.18 0.23
Nonaccrual & 90+ & OREO/ Assets 0.43 0.43 0 0.14 0.19
NPAs & 90+ PD/ Loans & REO 0.53 0.53 0 0.18 0.23
NPA & Loans 90+/ Tangible Common Equity + LLR 3.50 3.90 0 1.42 1.90
NCOs/ Avg Loans 0 0 0 0 0
Loan Loss Reserves/ Gross Loans 1.07 1.05 1.14 1.20 1.20
Reserves/ NPAs 199.23 198.59 NM 651 519.46
Loan Loss Provision/ NCO NM NM NM NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 99,014 88,662 74,814 67,499 57,696
Tier 1 Capital($000) 99,014 88,662 74,814 67,499 57,696
Tier 2 Capital($000) 17,961 17,857 17,632 17,095 16,837
Total Capital($000) 116,975 106,519 92,446 84,594 74,533
Total Risk-weighted Assets($000) 890,132 883,752 763,780 667,203 613,342
Tier 1 Common Capital (CET1) Ratio(%) 11.12 10.03 9.80 10.12 9.41
Tier 1 Ratio(%) 11.12 10.03 9.80 10.12 9.41
Total Capital Ratio(%) 13.14 12.05 12.10 12.68 12.15
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.35 10.34 9.67 9.14 9.04
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) NA 6,236,001 6,084,059 5,957,265 5,476,695
Avg Diluted Shares(actual) NA 6,432,496 6,259,101 5,947,351 5,022,218
Basic Book Value per Share NA 14.22 12.29 11.31 10.51
Book Value per Share, As Reported NA 14.21 12.29 11.31 10.51
Basic Tangible Book Value per Share NA 14.22 12.29 11.31 10.51
Tangible Book Value per Share, As Reported NA 14.21 12.29 11.31 10.51
Common Dividends Declared per Share 0 0 0 0 0
EPS after Extra NA 1.82 0.87 0.75 0.41
EPS after Extra Growth(%) NA 109.20 16 82.90 (34.90)
Core EPS NA 1.82 1.10 0.75 0.41
Core EPS Growth(%) NA 65.80 46.30 82.90 (34.90)
Diluted EPS before Amortization NA 1.82 0.87 0.75 0.41
Pre-Provision Earnings per Share NA 1.95 1.21 0.87 0.59
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.