Financial Highlights Report

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 1,083,023 849,618 753,621 693,956 674,637
Total Net Loans 691,124 654,755 557,929 461,990 400,427
Total Deposits 827,629 620,637 560,395 516,302 520,487
Equity Attributable to Parent Company 91,014 85,853 81,798 78,105 77,576
Total Equity 91,014 85,853 81,798 78,105 77,576
Profitability (%)
Net Income($000) 1,707 5,678 2,715 3,404 4,054
Net Income Attributable to Parent($000) 1,707 5,678 2,715 3,404 4,054
ROAA 0.37 0.71 0.38 0.50 0.63
Core ROAA 0.36 0.71 0.56 0.47 0.49
ROAE 3.85 6.77 3.40 4.37 5.28
ROATCE 3.85 6.77 3.51 4.59 5.52
Core ROAE 3.74 6.76 5.08 4.18 4.16
Net Interest Margin 3.35 3.57 3.48 3.51 3.59
Reported: Net Interest Margin 3.35 3.57 3.48 3.51 3.59
Efficiency Ratio 81.77 72.61 73.38 79.81 79.39
Noninterest Inc/ Operating Rev 10.66 13.49 14.97 15.40 13.15
Balance Sheet Ratios (%)
Loans/ Deposits 84.27 106.40 100.42 90.53 77.94
Securities/ Assets 14.92 17.67 19.90 25.62 33.17
Total Equity/ Total Assets 8.40 10.10 10.85 11.26 11.50
Tangible Equity/ Tangible Assets 8.40 10.10 10.85 11.24 11.45
Tang Common Equity/ Tang Assets 8.40 10.10 10.85 11.24 11.45
Asset Quality (%)
NPAs/ Assets 0.19 0.31 0.42 1.36 1.93
NPA Excl Restructured/ Assets 0.19 0.31 0.42 1.34 1.90
NPAs & 90+ PD/ Assets 0.39 0.56 0.60 1.65 2.14
NPAs/ Loans & REO 0.29 0.40 0.56 2.01 3.21
Nonaccrual & 90+ & OREO/ Assets 0.39 0.56 0.60 1.63 2.11
NPAs & 90+ PD/ Loans & REO 0.60 0.72 0.81 2.43 3.56
NPA & Loans 90+/ Tangible Common Equity + LLR 4.34 5.20 5.25 13.75 17.54
NCOs/ Avg Loans 0.10 0.14 0.38 0.23 0.48
Loan Loss Reserves/ Gross Loans 0.90 0.85 0.85 1.15 1.29
Reserves/ NPAs 305.35 210.92 151.47 57.06 40.21
Loan Loss Provision/ NCO 306.99 190.91 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) 100 100 100 100 NA
Avg Diluted Shares(actual) NA NA NA NA NA
Basic Book Value per Share 910,140 858,530 817,980 781,050 NA
Book Value per Share, As Reported NA NA NA NA NA
Basic Tangible Book Value per Share 910,140 858,530 817,980 779,680 NA
Tangible Book Value per Share, As Reported NA NA NA NA NA
Common Dividends Declared per Share NA NA NA NA NA
EPS after Extra NA NA NA NA NA
EPS after Extra Growth(%) NA NA NA NA NA
Core EPS NA NA NA NA NA
Core EPS Growth(%) NA NA NA NA NA
Diluted EPS before Amortization NA NA NA NA NA
Pre-Provision Earnings per Share NA 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.