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Financial Highlights

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 484,875 449,016 395,029 314,721 272,622
Total Net Loans 434,796 401,773 336,589 286,888 239,602
Total Deposits 410,787 389,120 342,794 260,713 234,372
Equity Attributable to Parent Company 32,578 28,483 26,694 24,107 22,811
Total Equity 32,605 28,510 26,721 24,107 22,811
Profitability (%)
Net Income($000) NA 1,959 1,790 1,509 680
Net Income Attributable to Parent($000) NA 1,957 1,788 1,509 680
ROAA NA 0.47 0.51 0.51 0.28
Core ROAA NA 0.65 0.51 0.50 0.25
ROAE NA 7.04 8.31 6.44 3.02
ROATCE NA 7.82 9.34 9.35 4.21
Core ROAE NA 9.84 8.31 6.30 2.76
Net Interest Margin NA 3.18 3.30 3.72 3.84
Reported: Net Interest Margin NA NA NA NA NA
Efficiency Ratio NA 68.55 77.98 77.48 83.91
Noninterest Inc/ Operating Rev NA 19.48 26.23 23.25 19.34
Balance Sheet Ratios (%)
Loans/ Deposits 106.61 103.02 97.77 110.32 101.51
Securities/ Assets NA 2.55 2.46 1.46 4.12
Total Equity/ Total Assets 6.72 6.35 6.76 7.66 8.37
Tangible Equity/ Tangible Assets NA 6.11 6.45 7.27 7.97
Tang Common Equity/ Tang Assets NA 6.10 6.44 5.08 5.45
Asset Quality (%)
NPAs/ Assets NA 0.92 0.86 0.95 1.47
NPA Excl Restructured/ Assets NA 0.75 0.68 0.79 1.16
NPAs & 90+ PD/ Assets NA 0.92 0.86 0.95 1.47
NPAs/ Loans & REO NA 1.01 1 1.03 1.65
Nonaccrual & 90+ & OREO/ Assets NA 0.75 0.68 0.79 1.16
NPAs & 90+ PD/ Loans & REO NA 1.01 1 1.03 1.65
NPA & Loans 90+/ Tangible Common Equity + LLR NA 13.02 11.72 15.50 22.85
NCOs/ Avg Loans NA 0.01 0.10 0.05 0.23
Loan Loss Reserves/ Gross Loans 1.10 1.05 1.05 1.16 1.14
Reserves/ NPAs NA 103.89 105.16 112.28 69.04
Loan Loss Provision/ NCO NA NM 167.85 568.80 134.74
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA NA NA NA NA
Tier 1 Capital($000) NA NA NA NA NA
Tier 2 Capital($000) NA NA NA NA NA
Total Capital($000) NA NA NA NA NA
Total Risk-weighted Assets($000) NA NA NA NA NA
Tier 1 Common Capital (CET1) Ratio(%) NA NA NA NA NA
Tier 1 Ratio(%) NA NA NA NA NA
Total Capital Ratio(%) NA NA NA NA NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA NA NA NA NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) NA 2,713,657 2,702,067 1,787,089 1,796,679
Avg Diluted Shares(actual) NA 2,786,718 1,868,886 1,845,697 1,847,330
Basic Book Value per Share NA 10.50 9.88 9.65 8.88
Book Value per Share, As Reported NA 10.55 9.89 9.62 8.89
Basic Tangible Book Value per Share NA 10.07 9.39 8.91 8.23
Tangible Book Value per Share, As Reported NA 10.13 9.40 8.91 8.24
EPS after Extra NA 0.70 0.88 0.78 0.33
EPS after Extra Growth(%) NA (20.50) 12.80 136.40 (72.70)
Core EPS NA 0.98 0.88 0.76 0.30
Diluted EPS before Amortization NA 0.76 0.88 0.78 0.33
Pre-Provision Earnings per Share NA 1.14 1.09 1.02 0.56
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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