Financial Highlights
2019 FQ1 YTD
3/31/2019
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 1,140,521 1,096,419 1,039,798 940,211 863,696
Total Net Loans 938,407 911,399 842,787 748,064 687,487
Total Deposits 959,655 917,354 861,557 776,567 708,436
Equity Attributable to Parent Company 119,156 116,498 106,571 100,716 93,002
Total Equity 119,156 116,498 106,571 100,716 93,002
Profitability (%)
Net Income ($000) 2,783 11,206 6,502 8,631 6,347
Net Income Attributable to Parent ($000) 2,783 11,206 6,502 8,631 6,347
ROAA 0.99 1.04 0.66 0.96 0.76
Core ROAA 0.99 1.04 0.84 0.89 0.75
ROAE 9.45 10.07 6.22 8.94 6.59
ROATCE 11.17 12.03 7.52 11.01 8.75
Core ROAE 9.41 10.07 7.92 8.31 6.46
Net Interest Margin 3.56 3.58 3.53 3.53 3.68
Reported: Net Interest Margin 3.60 3.58 3.53 3.53 3.68
Efficiency Ratio 60.01 61.65 62.89 63.91 67.79
Noninterest Inc/ Operating Rev 10.87 13.28 14.37 13.39 10.44
Balance Sheet Ratios/ Capital (%)
Loans/ Deposits 98.84 100.43 98.76 96.98 97.84
Securities/ Assets 6.83 7.33 9.09 10.33 9.30
Total Equity/ Total Assets 10.45 10.63 10.25 10.71 10.77
Tangible Equity/ Tangible Assets 9 9.12 8.66 8.96 8.86
Tang Common Equity/ Tang Assets 9 9.12 8.66 8.96 8.86
Asset Quality (%)
NPAs/ Assets 0.98 0.80 0.78 1.05 1.49
NPA Excl Restructured/ Assets 0.39 0.18 0.20 0.19 0.42
NPAs & 90+ PD/ Assets 0.98 0.80 0.78 1.05 1.49
NPAs/ Loans & REO 1.18 0.95 0.95 1.30 1.85
Nonaccrual & 90+ & OREO/ Assets 0.39 0.18 0.20 0.19 0.42
NPAs & 90+ PD/ Loans & REO 1.18 0.95 0.95 1.30 1.85
NPA & Loans 90+/ Tangible Common Equity + LLR 9.96 8.03 8.19 10.72 15.40
NCOs/ Avg Loans 0.10 0.01 0.05 (0.05) (0.02)
Loan Loss Reserves/ Gross Loans 1.22 1.24 1.25 1.26 1.25
Reserves/ NPAs 103.24 129.27 131.33 96.79 67.66
Loan Loss Provision/ NCO 176.35 NM 358.31 NM NM
Capital Adequacy
Tier 1 Common Capital (CET1) ($000) NA 98,758 88,733 82,994 75,273
Tier 1 Capital ($000) NA 98,758 88,733 82,994 75,273
Tier 2 Capital ($000) NA 21,398 20,668 19,515 18,713
Total Capital ($000) NA 120,156 109,401 102,509 93,986
Total Risk-weighted Assets ($000) NA 972,929 916,843 803,242 743,070
Tier 1 Common Capital (CET1) Ratio (%) 10.10 10.14 9.68 10.33 10.13
Tier 1 Ratio (%) 10.10 10.14 9.68 10.33 10.13
Total Capital Ratio (%) 12.25 12.34 11.93 12.76 12.65
Liquidity Coverage Ratio (%) NA NA NA NA NA
Leverage Ratio (%) 9.20 9.10 8.85 8.94 8.97
Basel III Leverage Ratio (%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding (actual) 8,668,100 8,606,992 8,470,030 8,365,442 8,325,656
Avg Diluted Shares (actual) 8,712,000 8,702,000 8,658,000 8,530,000 8,507,100
Basic Book Value per Share 13.75 13.54 12.58 12.04 11.17
As-reported Book Value per Share 13.75 13.54 12.58 12.04 11.17
Basic Tangible Book Value per Share 11.66 11.43 10.44 9.87 8.99
Reported: Tangible Book Value 11.66 11.43 10.44 9.88 9
Common Dividends Declared per Share 0.06 0.20 0.17 0.14 0.12
EPS after Extra 0.32 1.29 0.75 1.01 0.74
EPS after Extra Growth (%) 3.20 72 (25.70) 36 7.70
Core EPS 0.32 1.29 0.96 0.94 0.73
Core EPS Growth (%) 2.70 35.10 1.60 29.10 5.50
Diluted EPS before Amortization 0.32 1.29 0.75 1.01 0.75
Pre-Provision Earnings per Share 0.38 1.45 1.05 0.95 0.77
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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