Financial Highlights

Financial Highlights
2019 FQ3 YTD
9/30/2019
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 504,401 488,062 476,630 476,306 446,070
Total Net Loans 309,323 306,043 295,099 289,167 270,967
Total Deposits 385,356 409,066 401,498 401,984 372,937
Equity Attributable to Parent Company 54,672 48,493 46,643 42,889 44,048
Total Equity 54,672 48,493 46,643 42,889 44,048
Profitability (%)
Net Income($000) 4,450 5,152 3,845 4,128 4,061
Net Income Attributable to Parent($000) 4,450 5,152 3,845 4,128 4,061
ROAA 1.18 1.07 0.80 0.89 0.94
Core ROAA 1.19 1.07 0.89 0.83 0.93
ROAE 11.45 11 8.45 9.31 9.42
ROATCE 11.45 11 8.45 9.31 9.42
Core ROAE 11.54 11 9.50 8.66 9.34
Net Interest Margin 3.42 3.37 3.14 3 3.11
Reported: Net Interest Margin NA NA NA NA NA
Efficiency Ratio 76.05 78.59 79.57 79.90 77.66
Noninterest Inc/ Operating Rev 43.76 44.06 42.78 42.66 44.07
Balance Sheet Ratios (%)
Loans/ Deposits 81.57 76.06 74.87 73.35 73.84
Securities/ Assets 28.62 29 29.43 30.57 23.46
Total Equity/ Total Assets 10.84 9.94 9.79 9 9.87
Tangible Equity/ Tangible Assets 10.84 9.94 9.79 9 9.87
Tang Common Equity/ Tang Assets 10.84 9.94 9.79 9 9.87
Asset Quality (%)
NPAs/ Assets NA NA NA NA NA
NPA Excl Restructured/ Assets NA NA NA NA NA
NPAs & 90+ PD/ Assets NA NA NA NA NA
NPAs/ Loans & REO NA NA NA NA NA
Nonaccrual & 90+ & OREO/ Assets NA NA NA NA NA
NPAs & 90+ PD/ Loans & REO NA NA NA NA NA
NPA & Loans 90+/ Tangible Common Equity + LLR NA NA NA NA NA
NCOs/ Avg Loans 0 0.10 0.06 0 0.01
Loan Loss Reserves/ Gross Loans 1.66 1.68 1.83 1.93 2.06
Reserves/ NPAs NA NA NA NA NA
Loan Loss Provision/ NCO 0 0 0 0 0
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 49,457 45,687 43,680 42,209
Tier 1 Capital($000) NA 49,457 45,687 43,680 42,209
Tier 2 Capital($000) NA 4,016 3,982 4,246 3,710
Total Capital($000) NA 53,473 49,669 47,926 45,919
Total Risk-weighted Assets($000) NA 321,149 317,271 338,605 295,168
Tier 1 Common Capital (CET1) Ratio(%) NA 15.40 14.40 12.90 14.30
Tier 1 Ratio(%) NA 15.40 14.40 12.90 14.30
Total Capital Ratio(%) 18.70 16.70 15.70 15.65 15.60
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA 10 9.40 9.30 9.50
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 3,261,550 3,228,532 3,188,075 3,057,978 3,086,430
Avg Diluted Shares(actual) 3,184,993 3,150,309 3,124,193 3,131,105 3,162,276
Basic Book Value per Share 16.76 15.02 14.63 14.03 14.27
Book Value per Share, As Reported 16.76 15.02 14.63 14.03 14.27
Basic Tangible Book Value per Share 16.76 15.02 14.63 14.03 14.27
Tangible Book Value per Share, As Reported 16.76 15.02 14.63 14.03 14.27
Common Dividends Declared per Share 0.55 0.70 0.65 0.64 0.64
EPS after Extra 1.42 1.64 1.23 1.32 1.28
EPS after Extra Growth(%) 13.60 33.30 (6.80) 2.90 1.30
Core EPS 1.43 1.64 1.38 1.23 1.27
Core EPS Growth(%) 14.50 18.60 12.80 (3.60) 4.40
Diluted EPS before Amortization 1.42 1.64 1.23 1.32 1.28
Pre-Provision Earnings per Share 1.30 1.49 1.07 0.97 1.05
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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