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 1,083,015 1,086,012 1,053,193 1,028,447 974,684
Total Net Loans 729,233 679,220 642,046 649,190 618,224
Total Deposits 829,201 850,442 815,273 802,981 758,981
Equity Attributable to Parent Company 117,176 106,793 100,329 92,972 89,413
Total Equity 117,176 106,793 100,329 92,972 89,413
Profitability (%)
Net Income($000) 9,664 12,430 10,717 8,569 6,832
Net Income Attributable to Parent($000) 9,664 12,430 10,717 8,569 6,832
ROAA 1.19 1.18 1.04 0.86 0.76
Core ROAA 1.13 1.20 1.01 0.85 0.74
ROAE 11.37 12.36 10.93 9.10 8.16
ROATCE 13.09 14.53 12.94 10.98 9.94
Core ROAE 10.81 12.52 10.66 9.07 7.98
Net Interest Margin 3.69 3.70 3.60 3.61 3.65
Reported: Net Interest Margin 3.69 3.70 3.60 3.61 3.65
Efficiency Ratio 70.70 68.78 68.23 72.50 73.88
Noninterest Inc/ Operating Rev 26.22 26.68 27.18 26.97 25.89
Balance Sheet Ratios (%)
Loans/ Deposits 88.31 80.68 79.55 81.70 82.23
Securities/ Assets 23.41 29.69 30.88 27.85 28.40
Total Equity/ Total Assets 10.82 9.83 9.53 9.04 9.17
Tangible Equity/ Tangible Assets 9.64 8.64 8.27 7.74 7.78
Tang Common Equity/ Tang Assets 9.64 8.64 8.27 7.74 7.78
Asset Quality (%)
NPAs/ Assets 0.23 0.18 0.34 0.82 1.12
NPA Excl Restructured/ Assets 0.23 0.18 0.34 0.62 0.89
NPAs & 90+ PD/ Assets 0.43 0.29 0.36 0.91 1.23
NPAs/ Loans & REO 0.33 0.29 0.55 1.28 1.75
Nonaccrual & 90+ & OREO/ Assets 0.43 0.29 0.36 0.71 0.99
NPAs & 90+ PD/ Loans & REO 0.64 0.46 0.59 1.42 1.90
NPA & Loans 90+/ Tangible Common Equity + LLR 4.22 3.13 4.09 10.91 14.72
NCOs/ Avg Loans 0.13 0.01 0.05 0.02 0.16
Loan Loss Reserves/ Gross Loans 1.12 1.18 1.19 1.15 1.04
Reserves/ NPAs 339.05 412.33 214.62 89.21 59.59
Loan Loss Provision/ NCO 120.26 537.63 155.76 NM 154.09
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 96,083 87,092 79,718 74,797
Tier 1 Capital($000) NA 103,083 94,092 86,718 81,797
Tier 2 Capital($000) NA 8,202 7,804 7,625 6,607
Total Capital($000) NA 111,285 101,896 94,343 88,404
Total Risk-weighted Assets($000) NA 718,552 682,481 678,506 663,704
Tier 1 Common Capital (CET1) Ratio(%) NA 13.40 12.80 11.75 11.27
Tier 1 Ratio(%) NA 14.30 13.80 12.78 12.32
Total Capital Ratio(%) NA 15.50 14.90 13.90 13.32
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA 9.70 9.20 8.72 8.55
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 5,914,292 5,955,242 5,943,044 5,946,464 5,978,410
Avg Diluted Shares(actual) 5,930,000 5,957,000 5,944,000 5,982,000 5,684,000
Basic Book Value per Share 19.81 17.93 16.88 15.63 14.96
Book Value per Share, As Reported 19.81 17.93 16.88 15.64 14.96
Basic Tangible Book Value per Share 17.42 15.54 14.46 13.19 12.48
Common Dividends Declared per Share 0.51 0.63 0.58 0.54 0.52
EPS after Extra 1.62 2.09 1.81 1.43 1.20
EPS after Extra Growth(%) 1.90 15.80 26.20 19.20 (7.70)
Core EPS 1.54 2.12 1.76 1.43 1.17
Core EPS Growth(%) (4.10) 20.30 23.50 21.50 (2.40)
Diluted EPS before Amortization 1.63 2.11 1.83 1.47 1.24
Pre-Provision Earnings per Share 1.42 1.95 1.44 1.11 0.96
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