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Financial Highlights

Financial Highlights
2019 FQ1 YTD
3/31/2019
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 906,059 862,464 793,858 747,503 654,267
Total Net Loans 697,651 703,500 619,116 565,912 517,514
Total Deposits 793,706 758,718 704,153 663,484 579,351
Equity Attributable to Parent Company 92,619 88,660 74,762 67,362 57,553
Total Equity 92,619 88,660 74,762 67,362 57,553
Profitability (%)
Net Income($000) 3,059 11,829 5,477 4,477 2,542
Net Income Attributable to Parent($000) 3,059 11,829 5,477 4,477 2,542
ROAA 1.42 1.42 0.74 0.66 0.43
Core ROAA 1.42 1.42 0.94 0.66 0.43
ROAE 13.40 14.50 7.60 7.08 4.69
ROATCE 13.40 14.50 7.52 7.05 3.82
Core ROAE 13.40 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 4.64 4.34 4.05 3.63 3.48
Efficiency Ratio 57.28 55.89 61.12 67.95 74.33
Noninterest Inc/ Operating Rev 3.17 3.37 3.17 2.80 3.40
Balance Sheet Ratios (%)
Loans/ Deposits 88.84 93.70 88.94 86.33 90.41
Securities/ Assets 6.21 6.72 1.55 1.77 2.30
Total Equity/ Total Assets 10.22 10.28 9.42 9.01 8.80
Tangible Equity/ Tangible Assets 10.22 10.28 9.42 9.01 8.80
Tang Common Equity/ Tang Assets 10.22 10.28 9.42 9.01 8.80
Asset Quality (%)
NPAs/ Assets 0.41 0.43 0 0.14 0.19
NPA Excl Restructured/ Assets 0.41 0.43 0 0.14 0.19
NPAs & 90+ PD/ Assets 0.41 0.43 0 0.14 0.19
NPAs/ Loans & REO 0.53 0.53 0 0.18 0.23
Nonaccrual & 90+ & OREO/ Assets 0.41 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 3.74 3.90 0 1.42 1.90
NCOs/ Avg Loans 0 0 0 0 0
Loan Loss Reserves/ Gross Loans 1.06 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) 92,470 88,661 74,814 67,499 57,696
Tier 1 Capital($000) 92,470 88,661 74,814 67,499 57,696
Tier 2 Capital($000) 17,882 17,857 17,632 17,095 16,837
Total Capital($000) 110,352 106,518 92,446 84,594 74,533
Total Risk-weighted Assets($000) 881,479 883,752 763,780 667,203 613,342
Tier 1 Common Capital (CET1) Ratio(%) 10.49 10.03 9.80 10.12 9.41
Tier 1 Ratio(%) 10.49 10.03 9.80 10.12 9.41
Total Capital Ratio(%) 12.52 12.05 12.10 12.68 12.15
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.70 10.34 9.67 9.14 9.04
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 6,311,000 6,241,000 6,084,059 5,957,265 5,476,695
Avg Diluted Shares(actual) 6,473,000 6,432,000 6,259,101 5,947,351 5,022,218
Basic Book Value per Share 14.68 14.21 12.29 11.31 10.51
Book Value per Share, As Reported 14.67 14.21 12.29 11.31 10.51
Basic Tangible Book Value per Share 14.68 14.21 12.29 11.31 10.51
Tangible Book Value per Share, As Reported 14.67 14.21 12.29 11.31 10.51
Common Dividends Declared per Share 0 0 0 0 0
EPS after Extra 0.47 1.82 0.87 0.75 0.41
EPS after Extra Growth(%) 38.20 109.20 16 82.90 (34.90)
Core EPS 0.47 1.82 1.10 0.75 0.41
Core EPS Growth(%) 38.20 65.80 46.30 82.90 (34.90)
Diluted EPS before Amortization 0.47 1.82 0.87 0.75 0.41
Pre-Provision Earnings per Share 0.51 1.94 1.21 0.87 0.59
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