Financial Highlights Report

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 1,007,616 986,042 849,618 753,621 693,956
Total Net Loans 687,054 687,258 654,755 557,929 461,990
Total Deposits 605,235 617,219 620,637 560,395 516,302
Equity Attributable to Parent Company 193,196 187,787 85,853 81,798 78,105
Total Equity 193,196 187,787 85,853 81,798 78,105
Profitability (%)
Net Income($000) 2,452 (14,084) 5,678 2,715 3,404
Net Income Attributable to Parent($000) 2,452 (14,084) 5,678 2,715 3,404
ROAA 0.98 (1.47) 0.71 0.38 0.50
Core ROAA 0.96 0.77 0.71 0.56 0.47
ROAE 5.15 (10.89) 6.92 3.40 4.37
ROATCE 5.15 (10.89) 6.92 3.51 4.59
Core ROAE 5.03 5.70 6.90 5.08 4.18
Net Interest Margin 3.32 3.34 3.57 3.48 3.51
Reported: Net Interest Margin 3.32 3.34 3.57 3.48 3.51
Efficiency Ratio 62.96 69.63 72.61 73.38 79.81
Noninterest Inc/ Operating Rev 10.08 11.01 13.49 14.97 15.40
Balance Sheet Ratios (%)
Loans/ Deposits 114.73 112.50 106.40 100.42 90.53
Securities/ Assets 25.93 22.85 17.67 19.90 25.62
Total Equity/ Total Assets 19.17 19.04 10.10 10.85 11.26
Tangible Equity/ Tangible Assets 19.17 19.04 10.10 10.85 11.24
Tang Common Equity/ Tang Assets 19.17 19.04 10.10 10.85 11.24
Asset Quality (%)
NPAs/ Assets 0.12 0.12 0.31 0.42 1.36
NPA Excl Restructured/ Assets 0.12 0.12 0.31 0.42 1.34
NPAs & 90+ PD/ Assets 0.43 0.39 0.56 0.60 1.65
NPAs/ Loans & REO 0.17 0.18 0.40 0.56 2.01
Nonaccrual & 90+ & OREO/ Assets 0.43 0.39 0.56 0.60 1.63
NPAs & 90+ PD/ Loans & REO 0.62 0.55 0.72 0.81 2.43
NPA & Loans 90+/ Tangible Common Equity + LLR 2.14 1.96 5.20 5.25 13.75
NCOs/ Avg Loans 0 0.16 0.14 0.38 0.23
Loan Loss Reserves/ Gross Loans 1.05 1.02 0.85 0.85 1.15
Reserves/ NPAs 604.80 578.69 210.92 151.47 57.06
Loan Loss Provision/ NCO NM 234.02 190.91 69.76 114.70
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) 13,526,625 13,526,625 100 100 100
Avg Diluted Shares(actual) 12,467,206 12,463,689 NA NA NA
Basic Book Value per Share 14.28 13.88 858,530 817,980 781,050
Book Value per Share, As Reported 14.28 13.88 NA NA NA
Basic Tangible Book Value per Share 14.28 13.88 858,530 817,980 779,680
Tangible Book Value per Share, As Reported 14.28 13.88 NA NA NA
Common Dividends Declared per Share 0 0 NA NA NA
EPS after Extra 0.20 (1.27) NA NA NA
EPS after Extra Growth(%) NA NA NA NA NA
Core EPS 0.20 0.66 NA NA NA
Core EPS Growth(%) NA NA NA NA NA
Diluted EPS before Amortization 0.20 (1.27) NA NA NA
Pre-Provision Earnings per Share 0.21 0.74 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.