Financial Highlights

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Financial Highlights
2019 FQ3 YTD
9/30/2019
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 945,205 907,929 894,953 891,383 824,613
Total Net Loans 697,357 700,258 689,113 655,184 629,352
Total Deposits 816,090 783,549 777,225 779,731 714,499
Equity Attributable to Parent Company 103,471 92,483 85,031 80,005 76,285
Total Equity 103,471 92,483 85,031 80,005 76,285
Profitability (%)
Net Income($000) 10,313 11,330 6,963 6,590 5,576
Net Income Attributable to Parent($000) 10,313 11,330 6,963 6,590 5,576
ROAA 1.50 1.25 0.79 0.77 0.71
Core ROAA 1.49 1.26 0.91 0.77 0.73
ROAE 13.91 12.63 8.19 8.16 7.35
ROATCE 16.12 14.91 9.77 9.83 8.99
Core ROAE 13.81 12.67 9.42 8.09 7.54
Net Interest Margin 4.60 4.46 4.28 4.11 4.01
Reported: Net Interest Margin 4.66 4.52 4.28 4.11 4.10
Efficiency Ratio 67.74 71.06 72.16 74.07 77.20
Noninterest Inc/ Operating Rev 25.34 21.12 23.59 26.16 24.58
Balance Sheet Ratios (%)
Loans/ Deposits 83.67 89.73 88.43 84.36 87.52
Securities/ Assets 10.73 13.77 12.65 12.84 12.62
Total Equity/ Total Assets 10.95 10.19 9.50 8.98 9.25
Tangible Equity/ Tangible Assets 9.66 8.83 8.11 7.57 7.73
Tang Common Equity/ Tang Assets 9.66 8.83 8.11 7.57 7.73
Asset Quality (%)
NPAs/ Assets 0.14 0.15 0.28 0.23 0.68
NPA Excl Restructured/ Assets 0.11 0.12 0.24 0.18 0.62
NPAs & 90+ PD/ Assets 0.14 0.18 0.28 0.23 0.68
NPAs/ Loans & REO 0.19 0.19 0.36 0.30 0.87
Nonaccrual & 90+ & OREO/ Assets 0.11 0.15 0.24 0.18 0.62
NPAs & 90+ PD/ Loans & REO 0.19 0.23 0.36 0.30 0.87
NPA & Loans 90+/ Tangible Common Equity + LLR 1.35 1.82 3.14 2.67 7.87
NCOs/ Avg Loans 0.01 0.01 0.05 0.02 0.10
Loan Loss Reserves/ Gross Loans 1.28 1.28 1.30 1.38 1.30
Reserves/ NPAs 672.41 665.37 359.37 454.82 148.76
Loan Loss Provision/ NCO 0 0 73.12 NM 94.17
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 79,968 72,125 67,703 63,456
Tier 1 Capital($000) NA 92,968 85,125 80,703 76,456
Tier 2 Capital($000) NA 9,048 9,091 8,928 8,286
Total Capital($000) NA 102,016 94,216 89,631 84,742
Total Risk-weighted Assets($000) NA 763,782 742,791 713,414 663,072
Tier 1 Common Capital (CET1) Ratio(%) 11.45 10.47 9.71 9.49 9.57
Tier 1 Ratio(%) 13.13 12.17 11.46 11.31 11.53
Total Capital Ratio(%) 14.30 13.36 12.69 12.56 12.78
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.11 10.21 9.56 9.25 9.44
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 10,608,558 10,568,720 10,491,892 10,424,541 10,394,828
Avg Diluted Shares(actual) 10,670,517 10,673,393 10,647,279 10,588,724 10,524,303
Basic Book Value per Share 9.75 8.75 8.10 7.67 7.34
Book Value per Share, As Reported 9.75 8.75 8.10 7.67 7.34
Basic Tangible Book Value per Share 8.48 7.47 6.82 6.38 6.03
Tangible Book Value per Share, As Reported 8.48 7.47 6.82 6.38 6.03
Common Dividends Declared per Share 0.20 0.30 0.25 0.23 0.22
EPS after Extra 0.97 1.06 0.65 0.62 0.53
EPS after Extra Growth(%) 27.60 63.10 4.80 17 10.40
Core EPS 0.96 1.06 0.75 0.62 0.54
Core EPS Growth(%) 26.50 42.20 21.40 13.20 13.20
Diluted EPS before Amortization 0.97 1.06 0.65 0.62 0.53
Pre-Provision Earnings per Share 0.94 1.01 0.70 0.61 0.51
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