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Financial Highlights

Financial Highlights
2019 FQ2 YTD
6/30/2019
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 840,487 862,435 793,858 747,503 654,267
Total Net Loans 690,610 703,500 619,116 565,912 517,514
Total Deposits 722,360 758,718 704,153 663,484 579,351
Equity Attributable to Parent Company 95,965 88,670 74,762 67,362 57,553
Total Equity 95,965 88,670 74,762 67,362 57,553
Profitability (%)
Net Income($000) 5,764 11,829 5,477 4,477 2,542
Net Income Attributable to Parent($000) 5,764 11,829 5,477 4,477 2,542
ROAA 1.33 1.42 0.74 0.66 0.43
Core ROAA 1.47 1.42 0.94 0.66 0.43
ROAE 12.38 14.50 7.60 7.08 4.69
ROATCE 12.38 14.33 7.52 7.05 3.82
Core ROAE 13.67 14.50 9.57 7.08 4.69
Net Interest Margin 4.59 4.34 4.05 3.63 3.48
Reported: Net Interest Margin 4.63 4.34 4.05 3.63 3.48
Efficiency Ratio 54.74 55.89 61.12 67.95 74.33
Noninterest Inc/ Operating Rev 2.98 3.37 3.17 2.80 3.40
Balance Sheet Ratios (%)
Loans/ Deposits 96.64 93.70 88.94 86.33 90.41
Securities/ Assets 6.51 6.72 1.55 1.77 2.30
Total Equity/ Total Assets 11.42 10.28 9.42 9.01 8.80
Tangible Equity/ Tangible Assets 11.42 10.28 9.42 9.01 8.80
Tang Common Equity/ Tang Assets 11.42 10.28 9.42 9.01 8.80
Asset Quality (%)
NPAs/ Assets NA 0.43 0 0.14 0.19
NPA Excl Restructured/ Assets 0.45 0.43 0 0.14 0.19
NPAs & 90+ PD/ Assets NA 0.43 0 0.14 0.19
NPAs/ Loans & REO NA 0.53 0 0.18 0.23
Nonaccrual & 90+ & OREO/ Assets 0.45 0.43 0 0.14 0.19
NPAs & 90+ PD/ Loans & REO NA 0.53 0 0.18 0.23
NPA & Loans 90+/ Tangible Common Equity + LLR NA 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 NA 198.59 NM 651 519.46
Loan Loss Provision/ NCO NM NM NM NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 88,662 74,814 67,499 57,696
Tier 1 Capital($000) NA 88,662 74,814 67,499 57,696
Tier 2 Capital($000) NA 17,857 17,632 17,095 16,837
Total Capital($000) NA 106,519 92,446 84,594 74,533
Total Risk-weighted Assets($000) NA 883,752 763,780 667,203 613,342
Tier 1 Common Capital (CET1) Ratio(%) 10.90 10.03 9.80 10.12 9.41
Tier 1 Ratio(%) 10.90 10.03 9.80 10.12 9.41
Total Capital Ratio(%) 13 12.05 12.10 12.68 12.15
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.90 10.34 9.67 9.14 9.04
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 6,331,000 6,236,001 6,084,059 5,957,265 5,476,695
Avg Diluted Shares(actual) 6,505,000 6,432,496 6,259,101 5,947,351 5,022,218
Basic Book Value per Share 15.16 14.22 12.29 11.31 10.51
Book Value per Share, As Reported 15.16 14.21 12.29 11.31 10.51
Basic Tangible Book Value per Share 15.16 14.22 12.29 11.31 10.51
Tangible Book Value per Share, As Reported 15.16 14.21 12.29 11.31 10.51
Common Dividends Declared per Share 0 0 0 0 0
EPS after Extra 0.88 1.82 0.87 0.75 0.41
EPS after Extra Growth(%) 12.80 109.20 16 82.90 (34.90)
Core EPS 0.97 1.82 1.10 0.75 0.41
Core EPS Growth(%) 24.60 65.80 46.30 82.90 (34.90)
Diluted EPS before Amortization 0.88 1.82 0.87 0.75 0.41
Pre-Provision Earnings per Share 1.08 1.95 1.21 0.87 0.59
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