Financial Highlights

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Financial Highlights
2020 FQ1 YTD
3/31/2020
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
Balance Sheet ($000)
Total Assets 1,143,378 1,110,790 1,086,012 1,053,193 1,028,447
Total Net Loans 773,401 737,997 679,220 642,046 649,190
Total Deposits 853,217 842,653 850,442 815,273 802,981
Equity Attributable to Parent Company 117,787 119,263 106,793 100,329 92,972
Total Equity 117,787 119,263 106,793 100,329 92,972
Profitability (%)
Net Income($000) 1,751 13,153 12,430 10,717 8,569
Net Income Attributable to Parent($000) 1,751 13,153 12,430 10,717 8,569
ROAA 0.62 1.20 1.17 1.04 0.86
Core ROAA 0.60 1.15 1.19 1.01 0.85
ROAE 5.91 11.52 12.36 10.93 9.10
ROATCE 6.78 13.24 14.53 12.94 10.98
Core ROAE 5.67 11 12.52 10.66 9.07
Net Interest Margin 3.40 3.64 3.67 3.60 3.61
Reported: Net Interest Margin NA 3.64 3.70 3.60 3.61
Efficiency Ratio 74.01 69.68 68.89 68.23 72.50
Noninterest Inc/ Operating Rev 27.73 26.80 26.94 27.18 26.97
Balance Sheet Ratios (%)
Loans/ Deposits 91.22 88.33 80.68 79.55 81.70
Securities/ Assets 22.23 24.52 29.69 30.88 27.85
Total Equity/ Total Assets 10.30 10.74 9.83 9.53 9.04
Tangible Equity/ Tangible Assets 9.18 9.59 8.64 8.27 7.74
Tang Common Equity/ Tang Assets 9.18 9.59 8.64 8.27 7.74
Asset Quality (%)
NPAs/ Assets 0.56 0.47 0.18 0.34 0.82
NPA Excl Restructured/ Assets 0.56 0.47 0.18 0.34 0.62
NPAs & 90+ PD/ Assets 0.60 0.61 0.29 0.36 0.91
NPAs/ Loans & REO 0.81 0.70 0.29 0.55 1.28
Nonaccrual & 90+ & OREO/ Assets 0.60 0.61 0.29 0.36 0.71
NPAs & 90+ PD/ Loans & REO 0.87 0.90 0.46 0.59 1.42
NPA & Loans 90+/ Tangible Common Equity + LLR 6 5.92 3.13 4.09 10.91
NCOs/ Avg Loans 0.09 0.13 0.01 0.05 0.02
Loan Loss Reserves/ Gross Loans 1.27 1.13 1.18 1.19 1.15
Reserves/ NPAs 156.26 161.79 412.33 214.62 89.21
Loan Loss Provision/ NCO NM 136.31 537.63 155.76 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 104,242 96,083 87,092 79,718
Tier 1 Capital($000) NA 111,242 103,083 94,092 86,718
Tier 2 Capital($000) NA 8,535 8,202 7,804 7,625
Total Capital($000) NA 119,777 111,285 101,896 94,343
Total Risk-weighted Assets($000) NA 758,261 718,552 682,481 678,506
Tier 1 Common Capital (CET1) Ratio(%) NA 13.70 13.40 12.80 11.75
Tier 1 Ratio(%) NA 14.70 14.30 13.80 12.78
Total Capital Ratio(%) NA 15.80 15.50 14.90 13.90
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA 10 9.70 9.20 8.72
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 5,946,998 5,913,922 5,955,242 5,943,044 5,946,464
Avg Diluted Shares(actual) 5,880,000 5,953,000 5,924,000 5,944,000 5,982,000
Basic Book Value per Share 19.81 20.17 17.93 16.88 15.63
Book Value per Share, As Reported 19.81 20.17 17.93 16.88 15.64
Basic Tangible Book Value per Share 17.43 17.78 15.54 14.46 13.19
Common Dividends Declared per Share 0.18 0.68 0.63 0.58 0.54
EPS after Extra 0.30 2.21 2.09 1.81 1.43
EPS after Extra Growth(%) (36.20) 5.70 15.80 26.20 19.20
Core EPS 0.29 2.11 2.12 1.76 1.43
Core EPS Growth(%) (37.60) (0.30) 20.30 23.50 21.50
Diluted EPS before Amortization 0.30 2.23 2.11 1.83 1.47
Pre-Provision Earnings per Share 0.43 1.94 1.95 1.44 1.11
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