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Financial Highlights

Financial Highlights
2015 FY
12/31/2015
2016 FY
12/31/2016
2017 FY
12/31/2017
2018 FY
12/31/2018
2019 FQ2 YTD
6/30/2019
Balance Sheet ($000)
Total Assets 1,237,675 1,315,997 1,753,404 1,793,165 1,806,467
Total Net Loans 946,994 1,015,529 1,385,935 1,416,246 NA
Total Deposits 1,062,568 1,127,020 1,506,642 1,557,167 1,574,998
Equity Attributable to Parent Company 118,928 127,523 161,728 174,323 185,448
Total Equity 118,928 127,523 161,728 174,323 185,448
Profitability (%)
Net Income($000) 13,395 14,913 15,313 25,456 12,576
Net Income Attributable to Parent($000) 13,395 14,913 15,313 25,456 12,576
ROAA 1.14 1.13 1.04 1.43 1.41
Core ROAA 1.02 1.03 1.11 1.35 1.34
ROAE 11.64 12.01 11.26 15.36 14.11
ROATCE 12.52 12.85 12.15 17.59 15.92
Core ROAE 10.43 11.02 11.97 14.51 13.43
Net Interest Margin 3.48 3.27 3.46 3.89 3.67
Reported: Net Interest Margin 3.48 3.26 3.45 3.89 3.79
Efficiency Ratio 52.04 52.25 49.99 52.53 53.22
Noninterest Inc/ Operating Rev 12.83 15.49 14.02 12.44 13.31
Balance Sheet Ratios (%)
Loans/ Deposits 90.03 91.06 92.76 91.74 90.11
Securities/ Assets 12.47 12.79 10.71 10.57 NA
Total Equity/ Total Assets 9.61 9.69 9.22 9.72 10.27
Tangible Equity/ Tangible Assets 9.02 9.14 8.28 8.85 9.42
Tang Common Equity/ Tang Assets 9.02 9.14 8.28 8.85 9.42
Asset Quality (%)
NPAs/ Assets 0.29 0.37 1.40 1.33 NA
NPA Excl Restructured/ Assets 0.26 0.16 1.39 1.32 NA
NPAs & 90+ PD/ Assets 0.32 0.37 1.54 1.35 NA
NPAs/ Loans & REO 0.38 0.47 1.75 1.67 NA
Nonaccrual & 90+ & OREO/ Assets 0.28 0.17 1.53 1.34 NA
NPAs & 90+ PD/ Loans & REO 0.41 0.48 1.93 1.70 NA
NPA & Loans 90+/ Tangible Common Equity + LLR 3.23 3.76 17.43 14.35 NA
NCOs/ Avg Loans 0.03 (0.04) 0.02 0.16 0.17
Loan Loss Reserves/ Gross Loans 1.05 1.05 0.83 0.86 NA
Reserves/ NPAs 275.63 220.02 47.24 51.31 NA
Loan Loss Provision/ NCO 396.85 NM 616.96 127.66 93.52
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 109,652 119,246 142,697 157,453 NA
Tier 1 Capital($000) 109,652 119,246 142,697 157,453 NA
Tier 2 Capital($000) 10,011 10,728 23,112 23,748 NA
Total Capital($000) 119,663 129,974 165,809 181,201 NA
Total Risk-weighted Assets($000) 1,102,030 1,112,685 1,535,850 1,596,886 NA
Tier 1 Common Capital (CET1) Ratio(%) 9.95 10.72 9.29 9.86 NA
Tier 1 Ratio(%) 9.95 10.72 9.29 9.86 NA
Total Capital Ratio(%) 10.86 11.69 10.80 11.35 NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.85 8.94 8.47 9.06 NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 6,267,660 6,210,892 6,805,684 6,610,358 6,576,171
Avg Diluted Shares(actual) 6,291,319 6,220,694 6,285,901 6,673,758 6,642,222
Basic Book Value per Share 18.97 20.53 23.76 26.37 28.20
Book Value per Share, As Reported 18.97 20.53 23.76 26.37 28.20
Basic Tangible Book Value per Share 17.70 19.25 21.11 23.76 25.63
Tangible Book Value per Share, As Reported 17.70 19.25 21.11 23.76 25.63
Common Dividends Declared per Share 0.51 0.59 0.64 0.68 0.40
EPS after Extra 2.13 2.40 2.44 3.81 1.89
EPS after Extra Growth(%) 7 12.70 1.70 56.10 (6)
Core EPS 1.91 2.20 2.59 3.60 1.80
Core EPS Growth(%) 5.60 15.40 17.80 38.80 (6.20)
Diluted EPS before Amortization 2.13 2.40 2.46 3.92 1.94
Pre-Provision Earnings per Share 1.96 2.20 2.65 3.84 1.93
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.
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