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Financial Highlights

Financial Highlights
2014 FY
12/31/2014
2015 FY
12/31/2015
2016 FY
12/31/2016
2017 FY
12/31/2017
2018 FY
12/31/2018
Balance Sheet ($000)
Total Assets 1,105,008 1,237,675 1,315,997 1,753,404 1,793,165
Total Net Loans 863,800 946,994 1,015,529 1,385,935 NA
Total Deposits 954,742 1,062,568 1,127,020 1,506,642 1,557,167
Equity Attributable to Parent Company 109,062 118,928 127,523 161,728 174,323
Total Equity 109,062 118,928 127,523 161,728 174,323
Profitability (%)
Net Income($000) 12,620 13,395 14,913 15,313 25,456
Net Income Attributable to Parent($000) 12,620 13,395 14,913 15,313 25,456
ROAA 1.17 1.14 1.13 1.04 1.43
Core ROAA 1.06 1.02 1.03 1.11 1.35
ROAE 11.84 11.64 12.01 11.26 15.36
ROATCE 12.81 12.52 12.85 12.15 17.59
Core ROAE 10.74 10.43 11.02 11.97 14.51
Net Interest Margin 3.64 3.48 3.27 3.46 3.80
Reported: Net Interest Margin 3.64 3.48 3.26 3.45 3.89
Efficiency Ratio 51.49 52.04 52.25 49.99 53.57
Noninterest Inc/ Operating Rev 14.83 12.83 15.49 14.02 12.44
Balance Sheet Ratios (%)
Loans/ Deposits 91.44 90.03 91.06 92.76 91.74
Securities/ Assets 11.78 12.47 12.79 10.71 NA
Total Equity/ Total Assets 9.87 9.61 9.69 9.22 9.72
Tangible Equity/ Tangible Assets 9.21 9.02 9.14 8.28 8.85
Tang Common Equity/ Tang Assets 9.21 9.02 9.14 8.28 8.85
Asset Quality (%)
NPAs/ Assets 0.61 0.29 0.37 1.40 NA
NPA Excl Restructured/ Assets 0.51 0.26 0.16 1.39 NA
NPAs & 90+ PD/ Assets 0.62 0.32 0.37 1.54 NA
NPAs/ Loans & REO 0.77 0.38 0.47 1.75 NA
Nonaccrual & 90+ & OREO/ Assets 0.52 0.28 0.17 1.53 NA
NPAs & 90+ PD/ Loans & REO 0.78 0.41 0.48 1.93 NA
NPA & Loans 90+/ Tangible Common Equity + LLR 6.17 3.23 3.76 17.43 NA
NCOs/ Avg Loans 0.18 0.03 (0.04) 0.02 0.16
Loan Loss Reserves/ Gross Loans 1.06 1.05 1.05 0.83 NA
Reserves/ NPAs 137.75 275.63 220.02 47.24 NA
Loan Loss Provision/ NCO 132.94 396.85 NM 616.96 127.66
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 99,366 109,652 119,246 142,697 NA
Tier 1 Capital($000) 99,366 109,652 119,246 142,697 NA
Tier 2 Capital($000) NA 10,011 10,728 23,112 NA
Total Capital($000) 108,624 119,663 129,974 165,809 NA
Total Risk-weighted Assets($000) 859,448 1,102,030 1,112,685 1,535,850 NA
Tier 1 Common Capital (CET1) Ratio(%) 11.56 9.95 10.72 9.29 NA
Tier 1 Ratio(%) 11.56 9.95 10.72 9.29 NA
Total Capital Ratio(%) 12.64 10.86 11.69 10.80 NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.09 8.85 8.94 8.47 NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 6,259,535 6,267,660 6,210,892 6,805,684 6,610,358
Avg Diluted Shares(actual) 6,338,077 6,291,319 6,220,694 6,285,901 6,673,758
Basic Book Value per Share 17.42 18.97 20.53 23.76 26.37
Book Value per Share, As Reported 17.42 18.97 20.53 23.76 26.37
Basic Tangible Book Value per Share 16.14 17.70 19.25 21.11 23.76
Tangible Book Value per Share, As Reported 16.14 17.70 19.25 21.11 23.76
Common Dividends Declared per Share 0.46 0.51 0.59 0.64 0.68
EPS after Extra 1.99 2.13 2.40 2.44 3.81
EPS after Extra Growth(%) 11.20 7 12.70 1.70 56.10
Core EPS 1.81 1.91 2.20 2.59 3.60
Core EPS Growth(%) 0.80 5.60 15.40 17.80 38.80
Diluted EPS before Amortization 1.99 2.13 2.40 2.46 3.92
Pre-Provision Earnings per Share 1.96 1.96 2.20 2.65 3.84
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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