Online Banking

Financial Highlights

Financial Highlights
2017 FQ4
12/31/2017
2018 FQ1
3/31/2018
2018 FQ2
6/30/2018
2018 FQ3
9/30/2018
2018 FQ4
12/31/2018
Balance Sheet ($000)
Total Assets 1,081,915 1,100,030 1,133,609 1,128,115 1,158,235
Total Net Loans 840,705 858,846 879,408 901,734 928,715
Total Deposits 861,203 891,786 934,115 939,881 986,771
Equity Attributable to Parent Company 101,942 103,670 105,333 108,059 111,846
Total Equity 101,942 103,670 105,333 108,059 111,846
Profitability (%)
Net Income($000) 808 2,613 2,049 3,020 3,002
Net Income Attributable to Parent($000) 808 2,613 2,049 3,020 3,002
ROAA 0.30 0.96 0.74 1.08 1.04
Core ROAA 0.96 0.97 0.89 1.08 1.05
ROAE 3.12 10.11 7.77 11.26 10.89
ROATCE 3.77 12.04 9.24 13.30 12.79
Core ROAE 9.95 10.18 9.38 11.31 10.95
Net Interest Margin 3.81 3.48 3.43 3.40 3.44
Reported: Net Interest Margin 3.74 3.51 3.44 3.39 3.45
Efficiency Ratio 64.65 64.56 65.50 63.61 62.72
Noninterest Inc/ Operating Rev 11.64 12.36 12.81 12.96 11.72
Balance Sheet Ratios (%)
Loans/ Deposits 98.22 96.92 94.78 96.64 94.75
Securities/ Assets 16.83 16.25 15.24 14.81 14.18
Total Equity/ Total Assets 9.42 9.42 9.29 9.58 9.66
Tangible Equity/ Tangible Assets 8.07 8.09 8 8.29 8.40
Tang Common Equity/ Tang Assets 8.07 8.09 8 8.29 8.40
Asset Quality (%)
NPAs/ Assets 1.26 1.32 1.20 1.18 NA
NPA Excl Restructured/ Assets 1.16 1.22 1.04 1.02 NA
NPAs & 90+ PD/ Assets 1.27 1.32 1.20 1.18 NA
NPAs/ Loans & REO 1.60 1.67 1.53 1.46 NA
Nonaccrual & 90+ & OREO/ Assets 1.16 1.22 1.05 1.02 NA
NPAs & 90+ PD/ Loans & REO 1.61 1.67 1.53 1.46 NA
NPA & Loans 90+/ Tangible Common Equity + LLR 14.91 15.47 14.28 13.50 NA
NCOs/ Avg Loans 0.06 0.03 0.15 (0.12) 0.10
Loan Loss Reserves/ Gross Loans 0.69 0.71 0.70 0.72 0.71
Reserves/ NPAs 42.84 42.32 45.40 49.21 NA
Loan Loss Provision/ NCO 297.62 513.70 112.95 NM 149.57
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 88,459 91,396 93,268 96,147 NA
Tier 1 Capital($000) 97,459 100,396 102,268 105,147 NA
Tier 2 Capital($000) 15,941 16,285 16,346 16,695 NA
Total Capital($000) 113,400 116,681 118,614 121,842 NA
Total Risk-weighted Assets($000) 826,056 860,180 872,833 881,274 NA
Tier 1 Common Capital (CET1) Ratio(%) 10.71 10.63 10.69 10.91 10.76
Tier 1 Ratio(%) 11.80 11.67 11.72 11.93 11.74
Total Capital Ratio(%) 13.73 13.56 13.59 13.83 13.57
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.19 9.33 9.35 9.48 9.48
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 4,286,117 4,292,689 4,301,898 4,311,860 4,321,745
Avg Diluted Shares(actual) 4,297,000 4,308,847 4,314,418 4,317,553 4,320,000
Basic Book Value per Share 23.78 24.15 24.49 25.06 25.88
Book Value per Share, As Reported 23.78 24.15 24.49 25.06 25.88
Basic Tangible Book Value per Share 20.06 20.44 20.79 21.38 22.21
Tangible Book Value per Share, As Reported 20.06 20.44 20.79 21.38 22.21
Common Dividends Declared per Share 0.07 0.07 0.07 0.07 0.07
EPS after Extra 0.19 0.61 0.47 0.70 0.69
EPS after Extra Growth(%) (65.50) 7 (11.30) 25 263.20
Core EPS 0.61 0.61 0.57 0.70 0.69
Core EPS Growth(%) 1.30 8 6.20 24.70 14.60
Diluted EPS before Amortization 0.20 0.62 0.48 0.71 0.69
Pre-Provision Earnings per Share 0.57 0.66 0.61 0.69 0.73
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.