Financial Highlights

Financial Highlights
2019 FQ4
12/31/2019
2018 FQ4
12/31/2018
Y-Y Ch (%)
2019 FQ3
9/30/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 722,171 730,805 (1.18) 726,339 (2.30)
Total Net Loans 545,246 544,188 0.19 541,332 2.89
Total Deposits 622,155 635,638 (2.12) 614,000 5.31
Equity Attributable to Parent Company 67,122 60,007 11.86 65,976 6.95
Total Equity 67,122 60,007 11.86 65,976 6.95
Profitability (%)
Net Income($000) 1,572 1,573 (0.06) 2,052 (93.57)
Net Income Attributable to Parent($000) 1,572 1,573 (0.06) 2,052 (93.57)
ROAA 0.87 0.90 (3) bp 1.15 (28) bp
Core ROAA 0.87 0.90 (3) bp 1.15 (28) bp
ROAE 9.45 10.64 (119) bp 12.56 (311) bp
ROATCE 9.45 10.64 (119) bp 12.56 (311) bp
Core ROAE 9.45 10.64 (119) bp 12.56 (311) bp
Net Interest Margin 3.66 3.81 (15) bp 3.76 (10) bp
Reported: Net Interest Margin 3.65 3.79 (14) bp 3.73 (8) bp
Efficiency Ratio 74.93 76.47 (154) bp 69.25 568 bp
Noninterest Inc/ Operating Rev 19.21 17.27 194 bp 20.64 (143) bp
Balance Sheet Ratios (%)
Loans/ Deposits 88.44 86.43 201 bp 88.80 (36) bp
Securities/ Assets 11.33 10.14 119 bp 10.34 99 bp
Total Equity/ Total Assets 9.29 8.21 108 bp 9.08 21 bp
Tangible Equity/ Tangible Assets 9.29 8.21 108 bp 9.08 21 bp
Tang Common Equity/ Tang Assets 9.29 8.21 108 bp 9.08 21 bp
Asset Quality (%)
NPAs/ Assets 0.67 0.92 (25) bp 0.80 (13) bp
NPA Excl Restructured/ Assets 0.32 0.46 (14) bp 0.45 (13) bp
NPAs & 90+ PD/ Assets 0.73 0.92 (19) bp 0.80 (7) bp
NPAs/ Loans & REO 0.87 1.22 (35) bp 1.06 (19) bp
Nonaccrual & 90+ & OREO/ Assets 0.38 0.46 (8) bp 0.45 (7) bp
NPAs & 90+ PD/ Loans & REO 0.95 1.22 (27) bp 1.06 (11) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 7.25 10.29 (304) bp 8.15 (90) bp
NCOs/ Avg Loans 0.19 0.03 16 bp 0.01 18 bp
Loan Loss Reserves/ Gross Loans 0.95 0.94 1 bp 0.99 (4) bp
Reserves/ NPAs 108.53 77.14 3,139 bp 92.78 1,575 bp
Loan Loss Provision/ NCO 35.14 0 3,514 bp 0 3,514 bp
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) 3,783,724 3,773,836 0.26 3,784,934 (0.13)
Avg Diluted Shares(actual) 3,789,073 3,779,289 0.26 3,790,846 (0.19)
Basic Book Value per Share 17.74 15.90 11.57 17.43 7.11
Book Value per Share, As Reported 17.74 15.90 11.57 17.43 7.11
Basic Tangible Book Value per Share 17.74 15.90 11.57 17.43 7.11
Tangible Book Value per Share, As Reported 17.74 15.90 11.57 17.43 7.11
Common Dividends Declared per Share 0.13 0.12 0 0.12 0
EPS after Extra 0.42 0.42 0 0.54 (88.89)
EPS after Extra Growth(%) 0 NM NM 54.30 (5,429) bp
Core EPS 0.42 0.42 0 0.54 (88.89)
Core EPS Growth(%) 0 42.40 (4,240) bp 54.30 (5,429) bp
Diluted EPS before Amortization 0.42 0.42 0 0.54 (88.89)
Pre-Provision Earnings per Share 0.40 0.36 11.11 0.50 (80)

   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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