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Financial Info

Financial Highlights
2019 FQ2 YTD
6/30/2019
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 778,970 738,831 712,345 641,532 582,771
Total Net Loans 538,195 526,857 518,953 445,057 417,044
Total Deposits 633,160 605,893 577,144 535,845 477,485
Equity Attributable to Parent Company 80,134 75,527 70,037 70,131 67,769
Total Equity 80,134 75,527 70,037 70,131 67,769
Profitability (%)
Net Income($000) 4,246 8,125 5,421 6,097 5,806
Net Income Attributable to Parent($000) 4,246 8,125 5,421 6,097 5,806
ROAA 1.10 1.11 0.80 1 1.02
Core ROAA 1.06 1.13 0.97 1.01 0.98
ROAE 10.95 11.20 7.64 8.69 8.82
ROATCE 13.35 13.86 9.71 11.11 11.56
Core ROAE 10.56 11.42 9.25 8.83 8.54
Net Interest Margin 3.73 3.82 3.77 3.76 3.90
Reported: Net Interest Margin 3.73 3.84 3.79 3.78 3.92
Efficiency Ratio 69.10 68.21 67.99 66.59 67.09
Noninterest Inc/ Operating Rev 20.59 20.74 22.10 25.03 25.67
Balance Sheet Ratios (%)
Loans/ Deposits 85.79 87.80 90.70 83.94 88.38
Securities/ Assets NA 14 15.05 17.34 16.89
Total Equity/ Total Assets 10.29 10.22 9.83 10.93 11.63
Tangible Equity/ Tangible Assets 8.68 8.52 8.10 9 9.47
Tang Common Equity/ Tang Assets 8.68 8.52 8.10 9 9.47
Asset Quality (%)
NPAs/ Assets NA 0.75 0.31 0.43 0.95
NPA Excl Restructured/ Assets NA 0.61 0.13 0.21 0.49
NPAs & 90+ PD/ Assets NA 0.76 0.32 0.50 1.12
NPAs/ Loans & REO NA 1.04 0.42 0.62 1.31
Nonaccrual & 90+ & OREO/ Assets NA 0.62 0.15 0.28 0.66
NPAs & 90+ PD/ Loans & REO NA 1.06 0.44 0.72 1.55
NPA & Loans 90+/ Tangible Common Equity + LLR NA 8.43 3.74 5.28 11.07
NCOs/ Avg Loans 0.04 0.03 0 0.13 0.04
Loan Loss Reserves/ Gross Loans 0.95 0.96 0.96 1.08 1.25
Reserves/ NPAs NA 92.26 228.30 174.80 94.89
Loan Loss Provision/ NCO 136.36 176.06 NM 18.83 162.34
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 68,080 62,228 62,622 58,804
Tier 1 Capital($000) NA 68,080 62,228 62,622 58,804
Tier 2 Capital($000) NA 5,117 5,009 4,841 5,273
Total Capital($000) NA 73,197 67,237 67,463 64,077
Total Risk-weighted Assets($000) NA 613,333 604,155 530,695 482,000
Tier 1 Common Capital (CET1) Ratio(%) NA 11.10 10.30 11.80 12.20
Tier 1 Ratio(%) NA 11.10 10.30 11.80 12.20
Total Capital Ratio(%) NA 11.95 11.08 12.69 13.25
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA 9.30 9 10.10 10.20
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 2,315,043 2,315,505 2,316,779 2,406,538 2,406,508
Avg Diluted Shares(actual) 2,314,064 2,312,902 2,363,335 2,403,146 2,399,844
Basic Book Value per Share 34.61 32.62 30.23 29.14 28.16
Book Value per Share, As Reported NA NA NA 29.14 NA
Basic Tangible Book Value per Share 28.68 26.68 24.44 23.47 22.38
Common Dividends Declared per Share 0.45 0.87 0.83 0.76 0.63
EPS after Extra 1.84 3.51 2.29 2.54 2.42
EPS after Extra Growth(%) 5.70 53.30 (9.80) 5 21.60
Core EPS 1.78 3.58 2.77 2.58 2.34
Core EPS Growth(%) 1.70 29.10 7.20 10.20 14.80
Diluted EPS before Amortization 1.85 3.52 2.39 2.65 2.53
Pre-Provision Earnings per Share 1.72 3.40 2.37 2.23 2.02
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.