Financial Highlights

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Financial Highlights
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
Balance Sheet ($000)
Total Assets 1,086,012 1,053,193 1,028,447 974,684 855,209
Total Net Loans 679,220 642,046 649,190 618,224 533,069
Total Deposits 850,442 815,273 802,981 758,981 654,869
Equity Attributable to Parent Company 106,793 100,329 92,972 89,413 77,942
Total Equity 106,793 100,329 92,972 89,413 77,942
Profitability (%)
Net Income($000) 12,430 10,717 8,569 6,832 7,071
Net Income Attributable to Parent($000) 12,430 10,717 8,569 6,832 7,071
ROAA 1.18 1.04 0.86 0.76 0.89
Core ROAA 1.20 1.01 0.85 0.74 0.82
ROAE 12.36 10.93 9.10 8.16 9.50
ROATCE 14.53 12.94 10.98 9.94 11.73
Core ROAE 12.52 10.66 9.07 7.98 8.78
Net Interest Margin 3.70 3.60 3.61 3.65 3.69
Reported: Net Interest Margin 3.70 3.60 3.61 3.65 3.69
Efficiency Ratio 68.78 68.23 72.50 73.88 72.88
Noninterest Inc/ Operating Rev 26.68 27.18 26.97 25.89 25.83
Balance Sheet Ratios (%)
Loans/ Deposits 80.68 79.55 81.70 82.23 82.20
Securities/ Assets 29.69 30.88 27.85 28.40 30.19
Total Equity/ Total Assets 9.83 9.53 9.04 9.17 9.11
Tangible Equity/ Tangible Assets 8.64 8.27 7.74 7.78 7.68
Tang Common Equity/ Tang Assets 8.64 8.27 7.74 7.78 7.68
Asset Quality (%)
NPAs/ Assets 0.18 0.34 0.82 1.12 2.03
NPA Excl Restructured/ Assets 0.18 0.34 0.62 0.89 1.31
NPAs & 90+ PD/ Assets 0.29 0.36 0.91 1.23 2.03
NPAs/ Loans & REO 0.29 0.55 1.28 1.75 3.19
Nonaccrual & 90+ & OREO/ Assets 0.29 0.36 0.71 0.99 1.31
NPAs & 90+ PD/ Loans & REO 0.46 0.59 1.42 1.90 3.19
NPA & Loans 90+/ Tangible Common Equity + LLR 3.13 4.09 10.91 14.72 24.54
NCOs/ Avg Loans 0.01 0.05 0.02 0.16 0.08
Loan Loss Reserves/ Gross Loans 1.18 1.19 1.15 1.04 1.12
Reserves/ NPAs 412.33 214.62 89.21 59.59 34.71
Loan Loss Provision/ NCO 537.63 155.76 NM 154.09 250.66
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 96,083 87,092 79,718 74,797 63,917
Tier 1 Capital($000) 103,083 94,092 86,718 81,797 70,917
Tier 2 Capital($000) 8,202 7,804 7,625 6,607 NA
Total Capital($000) 111,285 101,896 94,343 88,404 77,016
Total Risk-weighted Assets($000) 718,552 682,481 678,506 663,704 590,098
Tier 1 Common Capital (CET1) Ratio(%) 13.40 12.80 11.75 11.27 10.83
Tier 1 Ratio(%) 14.30 13.80 12.78 12.32 12.02
Total Capital Ratio(%) 15.50 14.90 13.90 13.32 13.05
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.70 9.20 8.72 8.55 8.73
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 5,955,242 5,943,044 5,946,464 5,978,410 5,440,196
Avg Diluted Shares(actual) 5,957,000 5,944,000 5,982,000 5,684,000 5,441,676
Basic Book Value per Share 17.93 16.88 15.63 14.96 14.33
Book Value per Share, As Reported 17.93 16.88 15.64 14.96 14.33
Basic Tangible Book Value per Share 15.54 14.46 13.19 12.48 11.88
Common Dividends Declared per Share 0.63 0.58 0.54 0.52 0.50
EPS after Extra 2.09 1.81 1.43 1.20 1.30
EPS after Extra Growth(%) 15.80 26.20 19.20 (7.70) 20.90
Core EPS 2.12 1.76 1.43 1.17 1.20
Core EPS Growth(%) 20.30 23.50 21.50 (2.40) 7.90
Diluted EPS before Amortization 2.11 1.83 1.47 1.24 1.33
Pre-Provision Earnings per Share 1.95 1.44 1.11 0.96 0.95
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