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Financial Highlights

Financial Highlights
2018 FQ1
3/31/2018
2018 FQ2
6/30/2018
2018 FQ3
9/30/2018
2018 FQ4
12/31/2018
2019 FQ1
3/31/2019
Balance Sheet ($000)
Total Assets 1,100,030 1,133,609 1,128,115 1,158,235 1,166,694
Total Net Loans 858,846 879,408 901,734 928,715 927,427
Total Deposits 891,786 934,115 939,881 984,566 980,257
Equity Attributable to Parent Company 103,670 105,333 108,059 111,846 114,986
Total Equity 103,670 105,333 108,059 111,846 114,986
Profitability (%)
Net Income($000) 2,613 2,049 3,020 3,002 2,587
Net Income Attributable to Parent($000) 2,613 2,049 3,020 3,002 2,587
ROAA 0.96 0.74 1.08 1.04 0.89
Core ROAA 0.97 0.89 1.08 1.05 0.91
ROAE 10.11 7.77 11.26 10.89 9.09
ROATCE 12.04 9.24 13.30 12.79 10.63
Core ROAE 10.18 9.38 11.31 10.95 9.25
Net Interest Margin 3.48 3.43 3.40 3.47 3.36
Reported: Net Interest Margin 3.51 3.44 3.39 3.45 3.43
Efficiency Ratio 64.56 65.50 63.61 62.22 66.60
Noninterest Inc/ Operating Rev 12.36 12.81 12.96 11.72 11.91
Balance Sheet Ratios (%)
Loans/ Deposits 96.92 94.78 96.64 94.96 95.25
Securities/ Assets 16.25 15.24 14.81 14.18 13.24
Total Equity/ Total Assets 9.42 9.29 9.58 9.66 9.86
Tangible Equity/ Tangible Assets 8.09 8 8.29 8.40 8.61
Tang Common Equity/ Tang Assets 8.09 8 8.29 8.40 8.61
Asset Quality (%)
NPAs/ Assets 1.32 1.20 1.18 1.07 NA
NPA Excl Restructured/ Assets 1.22 1.04 1.02 0.91 NA
NPAs & 90+ PD/ Assets 1.32 1.20 1.18 1.09 NA
NPAs/ Loans & REO 1.67 1.53 1.46 1.31 NA
Nonaccrual & 90+ & OREO/ Assets 1.22 1.05 1.02 0.94 NA
NPAs & 90+ PD/ Loans & REO 1.67 1.53 1.46 1.34 NA
NPA & Loans 90+/ Tangible Common Equity + LLR 15.47 14.28 13.50 12.27 NA
NCOs/ Avg Loans 0.03 0.15 (0.12) 0.10 0.07
Loan Loss Reserves/ Gross Loans 0.71 0.70 0.72 0.71 0.72
Reserves/ NPAs 42.32 45.40 49.21 54.01 NA
Loan Loss Provision/ NCO 513.70 112.95 NM 149.57 128.21
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 91,396 93,268 96,147 98,949 NA
Tier 1 Capital($000) 100,396 102,268 105,147 107,949 NA
Tier 2 Capital($000) 16,285 16,346 16,695 16,820 NA
Total Capital($000) 116,681 118,614 121,842 124,769 NA
Total Risk-weighted Assets($000) 860,180 872,833 881,274 917,044 NA
Tier 1 Common Capital (CET1) Ratio(%) 10.63 10.69 10.91 10.79 11
Tier 1 Ratio(%) 11.67 11.72 11.93 11.77 11.97
Total Capital Ratio(%) 13.56 13.59 13.83 13.61 13.80
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.33 9.35 9.48 9.48 9.65
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 4,292,689 4,301,898 4,311,860 4,321,745 4,327,415
Avg Diluted Shares(actual) 4,308,847 4,314,418 4,317,553 4,320,000 4,330,000
Basic Book Value per Share 24.15 24.49 25.06 25.88 26.57
Book Value per Share, As Reported 24.15 24.49 25.06 25.88 26.57
Basic Tangible Book Value per Share 20.44 20.79 21.38 22.21 22.91
Tangible Book Value per Share, As Reported 20.44 20.79 21.38 22.21 22.91
Common Dividends Declared per Share 0.07 0.07 0.07 0.07 0.07
EPS after Extra 0.61 0.47 0.70 0.69 0.60
EPS after Extra Growth(%) 7 (11.30) 25 263.20 (1.60)
Core EPS 0.61 0.57 0.70 0.69 0.61
Core EPS Growth(%) 8 6.20 24.70 14.60 (0.70)
Diluted EPS before Amortization 0.62 0.48 0.71 0.69 0.60
Pre-Provision Earnings per Share 0.66 0.61 0.69 0.73 0.63
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.