Financial Highlights Report

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 956,220 849,618 753,621 693,956 674,637
Total Net Loans 694,745 654,755 557,929 461,990 400,427
Total Deposits 607,808 620,637 560,395 516,302 520,487
Equity Attributable to Parent Company 200,354 85,853 81,798 78,105 77,576
Total Equity 200,354 85,853 81,798 78,105 77,576
Profitability (%)
Net Income($000) (1,543) 5,678 2,715 3,404 4,054
Net Income Attributable to Parent($000) (1,543) 5,678 2,715 3,404 4,054
ROAA (0.22) 0.71 0.38 0.50 0.63
Core ROAA 0.65 0.71 0.56 0.47 0.49
ROAE (1.91) 6.77 3.40 4.37 5.28
ROATCE (1.91) 6.77 3.51 4.59 5.52
Core ROAE 5.78 6.76 5.08 4.18 4.16
Net Interest Margin 3.34 3.57 3.48 3.51 3.59
Reported: Net Interest Margin 3.34 3.57 3.48 3.51 3.59
Efficiency Ratio 70.75 72.61 73.38 79.81 79.39
Noninterest Inc/ Operating Rev 11.30 13.49 14.97 15.40 13.15
Balance Sheet Ratios (%)
Loans/ Deposits 115.44 106.40 100.42 90.53 77.94
Securities/ Assets 20.14 17.67 19.90 25.62 33.17
Total Equity/ Total Assets 20.95 10.10 10.85 11.26 11.50
Tangible Equity/ Tangible Assets 20.95 10.10 10.85 11.24 11.45
Tang Common Equity/ Tang Assets 20.95 10.10 10.85 11.24 11.45
Asset Quality (%)
NPAs/ Assets NA 0.31 0.42 1.36 1.93
NPA Excl Restructured/ Assets NA 0.31 0.42 1.34 1.90
NPAs & 90+ PD/ Assets NA 0.56 0.60 1.65 2.14
NPAs/ Loans & REO NA 0.40 0.56 2.01 3.21
Nonaccrual & 90+ & OREO/ Assets NA 0.56 0.60 1.63 2.11
NPAs & 90+ PD/ Loans & REO NA 0.72 0.81 2.43 3.56
NPA & Loans 90+/ Tangible Common Equity + LLR NA 5.20 5.25 13.75 17.54
NCOs/ Avg Loans 0.08 0.14 0.38 0.23 0.48
Loan Loss Reserves/ Gross Loans 0.98 0.85 0.85 1.15 1.29
Reserves/ NPAs NA 210.92 151.47 57.06 40.21
Loan Loss Provision/ NCO 409.31 190.91 69.76 114.70 44.86
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 100 100 100 NA
Avg Diluted Shares(actual) 12,473,821 NA NA NA NA
Basic Book Value per Share NA 858,530 817,980 781,050 NA
Book Value per Share, As Reported NA NA NA NA NA
Basic Tangible Book Value per Share NA 858,530 817,980 779,680 NA
Tangible Book Value per Share, As Reported NA NA NA NA NA
Common Dividends Declared per Share 0 NA NA NA NA
EPS after Extra (0.26) NA NA NA NA
EPS after Extra Growth(%) NA NA NA NA NA
Core EPS 0.79 NA NA NA NA
Core EPS Growth(%) NA NA NA NA NA
Diluted EPS before Amortization (0.26) NA NA NA NA
Pre-Provision Earnings per Share 0.99 NA NA NA NA
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.