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Financial Info

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 828,306 809,716 738,831 712,345 641,532
Total Net Loans 555,249 558,851 526,857 518,953 445,057
Total Deposits 677,413 655,762 605,893 577,144 535,845
Equity Attributable to Parent Company 83,671 83,345 75,527 70,037 70,131
Total Equity 83,671 83,345 75,527 70,037 70,131
Profitability (%)
Net Income($000) 1,513 8,622 8,125 5,421 6,097
Net Income Attributable to Parent($000) 1,513 8,622 8,125 5,421 6,097
ROAA 0.74 1.09 1.11 0.80 1
Core ROAA NA 1.06 1.13 0.97 1.01
ROAE 7.25 10.74 11.20 7.64 8.69
ROATCE 8.71 12.99 13.86 9.71 11.11
Core ROAE NA 10.36 11.42 9.25 8.83
Net Interest Margin 3.49 3.64 3.82 3.77 3.76
Reported: Net Interest Margin 3.49 3.66 3.84 3.79 3.78
Efficiency Ratio 66.14 69.16 68.21 67.99 66.59
Noninterest Inc/ Operating Rev 22.15 21.68 20.74 22.10 25.03
Balance Sheet Ratios (%)
Loans/ Deposits 82.73 85.83 87.80 90.70 83.94
Securities/ Assets NA 15.49 14 15.05 17.34
Total Equity/ Total Assets 10.10 10.29 10.22 9.83 10.93
Tangible Equity/ Tangible Assets 8.59 8.75 8.52 8.10 9
Tang Common Equity/ Tang Assets 8.59 8.75 8.52 8.10 9
Asset Quality (%)
NPAs/ Assets NA 0.62 0.75 0.31 0.43
NPA Excl Restructured/ Assets NA 0.51 0.61 0.13 0.21
NPAs & 90+ PD/ Assets NA 0.63 0.76 0.32 0.50
NPAs/ Loans & REO NA 0.89 1.04 0.42 0.62
Nonaccrual & 90+ & OREO/ Assets NA 0.52 0.62 0.15 0.28
NPAs & 90+ PD/ Loans & REO NA 0.90 1.06 0.44 0.72
NPA & Loans 90+/ Tangible Common Equity + LLR NA 6.81 8.43 3.74 5.28
NCOs/ Avg Loans 0 0.03 0.03 0 0.13
Loan Loss Reserves/ Gross Loans 1.10 0.92 0.96 0.96 1.08
Reserves/ NPAs NA 103.35 92.26 228.30 174.80
Loan Loss Provision/ NCO NM 142.41 176.06 NM 18.83
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 74,685 68,080 62,228 62,622
Tier 1 Capital($000) NA 74,685 68,080 62,228 62,622
Tier 2 Capital($000) NA 5,184 5,117 5,009 4,841
Total Capital($000) NA 79,869 73,197 67,237 67,463
Total Risk-weighted Assets($000) NA 632,924 613,333 604,155 530,695
Tier 1 Common Capital (CET1) Ratio(%) NA 11.80 11.10 10.30 11.80
Tier 1 Ratio(%) NA 11.80 11.10 10.30 11.80
Total Capital Ratio(%) NA 12.62 11.95 11.08 12.69
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA 9.30 9.30 9 10.10
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 2,311,307 2,314,878 2,315,505 2,316,779 2,406,538
Avg Diluted Shares(actual) 2,308,072 2,305,584 2,312,902 2,363,335 2,403,146
Basic Book Value per Share 36.20 36 32.62 30.23 29.14
Book Value per Share, As Reported NA 36 NA NA 29.14
Basic Tangible Book Value per Share 30.27 30.08 26.68 24.44 23.47
Common Dividends Declared per Share 0.23 0.91 0.87 0.83 0.76
EPS after Extra 0.66 3.74 3.51 2.29 2.54
EPS after Extra Growth(%) (20.50) 6.60 53.30 (9.80) 5
Core EPS NA 3.61 3.58 2.77 2.58
Core EPS Growth(%) NA 0.90 29.10 7.20 10.20
Diluted EPS before Amortization 0.66 3.76 3.52 2.39 2.65
Pre-Provision Earnings per Share 0.96 3.47 3.40 2.37 2.23
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.