Financial Highlights

Financial Highlights
2019 FQ2
6/30/2019
2018 FQ2
6/30/2018
Y-Y Ch (%)
2019 FQ1
3/31/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 717,528 651,529 10.13 700,502 9.72
Total Net Loans NA 505,967 NA 539,932 NA
Total Deposits 607,256 565,835 7.32 592,358 10.06
Equity Attributable to Parent Company 64,106 57,698 11.11 62,133 12.70
Total Equity 64,106 57,698 11.11 62,133 12.70
Profitability (%)
Net Income($000) 1,564 1,659 (5.73) 1,632 (16.67)
Net Income Attributable to Parent($000) 1,564 1,659 (5.73) 1,632 (16.67)
ROAA 0.88 1.02 (14) bp 0.94 (6) bp
Core ROAA NA 0.87 NA 0.91 NA
ROAE 9.91 11.63 (172) bp 10.68 (77) bp
ROATCE 9.91 11.63 (172) bp 10.68 (77) bp
Core ROAE NA 9.96 NA 10.28 NA
Net Interest Margin 3.73 3.87 (14) bp 3.84 (11) bp
Reported: Net Interest Margin 3.73 3.88 (15) bp 3.89 (16) bp
Efficiency Ratio 73.61 77.42 (381) bp 75.65 (204) bp
Noninterest Inc/ Operating Rev 18.71 18.41 30 bp 18.60 11 bp
Balance Sheet Ratios (%)
Loans/ Deposits 89.58 90.24 (66) bp 92 (242) bp
Securities/ Assets 10.36 11.46 (110) bp 10.33 3 bp
Total Equity/ Total Assets 8.93 8.86 7 bp 8.87 6 bp
Tangible Equity/ Tangible Assets 8.93 8.86 7 bp 8.87 6 bp
Tang Common Equity/ Tang Assets 8.93 8.86 7 bp 8.87 6 bp
Asset Quality (%)
NPAs/ Assets 0.92 1.14 (22) bp 0.95 (3) bp
NPA Excl Restructured/ Assets 0.51 0.62 (11) bp 0.47 4 bp
NPAs & 90+ PD/ Assets NA 1.22 NA 0.96 NA
NPAs/ Loans & REO NA 1.46 NA 1.22 NA
Nonaccrual & 90+ & OREO/ Assets NA 0.69 NA 0.48 NA
NPAs & 90+ PD/ Loans & REO NA 1.55 NA 1.23 NA
NPA & Loans 90+/ Tangible Common Equity + LLR NA 12.68 NA 9.96 NA
NCOs/ Avg Loans NA 0.34 NA (0.04) NA
Loan Loss Reserves/ Gross Loans NA 0.97 NA 0.97 NA
Reserves/ NPAs 81.79 66.74 1,505 bp 79.49 230 bp
Loan Loss Provision/ NCO 266.23 2.76 26,347 bp NM NM
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) 3,784,298 3,773,836 0.28 3,785,454 (0.12)
Avg Diluted Shares(actual) 3,793,966 3,784,572 0.25 3,788,910 0.53
Basic Book Value per Share 16.94 15.29 10.79 16.41 12.92
Book Value per Share, As Reported 16.94 15.29 10.79 16.41 12.92
Basic Tangible Book Value per Share 16.94 15.29 10.79 16.41 12.92
Tangible Book Value per Share, As Reported 16.94 15.29 10.79 16.41 12.92
Common Dividends Declared per Share 0.12 0.12 0 0.12 0
EPS after Extra 0.41 0.44 (6.82) 0.43 (18.60)
EPS after Extra Growth(%) (6.80) 69.20 (7,605) bp 2.40 (920) bp
Core EPS NA 0.38 NA 0.41 NA
Core EPS Growth(%) NA 44.90 NA 34.30 NA
Diluted EPS before Amortization 0.41 0.44 (6.82) 0.43 (18.60)
Pre-Provision Earnings per Share 0.41 0.34 20.59 0.38 31.58

   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.


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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