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Financial Highlights

Financial Highlights
2018 FQ2
6/30/2018
2018 FQ3
9/30/2018
2018 FQ4
12/31/2018
2019 FQ1
3/31/2019
2019 FQ2
6/30/2019
Balance Sheet ($000)
Total Assets 1,133,609 1,128,115 1,158,235 1,166,694 1,154,409
Total Net Loans 879,408 901,734 928,715 927,427 924,350
Total Deposits 934,115 939,881 984,566 980,257 975,863
Equity Attributable to Parent Company 105,333 108,059 111,846 114,986 118,156
Total Equity 105,333 108,059 111,846 114,986 118,156
Profitability (%)
Net Income($000) 2,049 3,020 3,002 2,587 2,587
Net Income Attributable to Parent($000) 2,049 3,020 3,002 2,587 2,587
ROAA 0.74 1.08 1.04 0.89 0.89
Core ROAA 0.89 1.08 1.05 0.91 1.04
ROAE 7.77 11.26 10.89 9.09 8.83
ROATCE 9.24 13.30 12.79 10.63 10.27
Core ROAE 9.38 11.31 10.95 9.25 10.28
Net Interest Margin 3.43 3.40 3.47 3.39 3.44
Reported: Net Interest Margin 3.44 3.39 3.45 3.43 3.45
Efficiency Ratio 65.50 63.61 62.22 66.08 63.46
Noninterest Inc/ Operating Rev 12.81 12.96 11.72 11.91 12.37
Balance Sheet Ratios (%)
Loans/ Deposits 94.78 96.64 94.96 95.25 95.35
Securities/ Assets 15.24 14.81 14.18 13.24 11.75
Total Equity/ Total Assets 9.29 9.58 9.66 9.86 10.24
Tangible Equity/ Tangible Assets 8 8.29 8.40 8.61 8.99
Tang Common Equity/ Tang Assets 8 8.29 8.40 8.61 8.99
Asset Quality (%)
NPAs/ Assets 1.20 1.18 1.07 0.96 1.07
NPA Excl Restructured/ Assets 1.04 1.02 0.91 0.69 0.76
NPAs & 90+ PD/ Assets 1.20 1.18 1.09 0.96 1.09
NPAs/ Loans & REO 1.53 1.46 1.31 1.19 1.33
Nonaccrual & 90+ & OREO/ Assets 1.05 1.02 0.94 0.69 0.78
NPAs & 90+ PD/ Loans & REO 1.53 1.46 1.34 1.19 1.35
NPA & Loans 90+/ Tangible Common Equity + LLR 14.28 13.50 12.27 10.56 11.56
NCOs/ Avg Loans 0.15 (0.12) 0.10 0.07 0.06
Loan Loss Reserves/ Gross Loans 0.70 0.72 0.71 0.72 0.72
Reserves/ NPAs 45.40 49.21 54.01 60.13 53.83
Loan Loss Provision/ NCO 112.95 NM 149.57 128.21 68.03
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 93,268 96,147 98,949 101,469 103,998
Tier 1 Capital($000) 102,268 105,147 107,949 110,469 112,998
Tier 2 Capital($000) 16,346 16,695 16,820 16,893 16,842
Total Capital($000) 118,614 121,842 124,769 127,362 129,840
Total Risk-weighted Assets($000) 872,833 881,274 917,044 922,445 917,899
Tier 1 Common Capital (CET1) Ratio(%) 10.69 10.91 10.79 11 11.33
Tier 1 Ratio(%) 11.72 11.93 11.77 11.97 12.31
Total Capital Ratio(%) 13.59 13.83 13.61 13.80 14.15
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.35 9.48 9.48 9.95 9.89
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 4,301,898 4,311,860 4,321,745 4,327,415 4,331,121
Avg Diluted Shares(actual) 4,314,418 4,317,553 4,320,000 4,329,991 4,336,254
Basic Book Value per Share 24.49 25.06 25.88 26.57 27.28
Book Value per Share, As Reported 24.49 25.06 25.88 26.57 27.28
Basic Tangible Book Value per Share 20.79 21.38 22.21 22.91 23.63
Tangible Book Value per Share, As Reported 20.79 21.38 22.21 22.91 23.63
Common Dividends Declared per Share 0.07 0.07 0.07 0.07 0.07
EPS after Extra 0.47 0.70 0.69 0.60 0.60
EPS after Extra Growth(%) (11.30) 25 263.20 (1.60) 27.70
Core EPS 0.57 0.70 0.69 0.61 0.70
Core EPS Growth(%) 6.20 24.70 14.60 (0.70) 23.20
Diluted EPS before Amortization 0.48 0.71 0.69 0.60 0.60
Pre-Provision Earnings per Share 0.61 0.69 0.73 0.63 0.71
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.