Financial Highlights

Financial Highlights
2019 FQ1
3/31/2019
2018 FQ1
3/31/2018
Y-Y Ch (%)
2018 FQ4
12/31/2018
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 700,502 682,120 2.69 730,805 (16.59)
Total Net Loans 539,932 498,091 8.40 544,188 (3.13)
Total Deposits 592,358 577,241 2.62 635,638 (27.24)
Equity Attributable to Parent Company 62,133 56,666 9.65 60,007 14.17
Total Equity 62,133 56,666 9.65 60,007 14.17
Profitability (%)
Net Income($000) 1,632 1,586 2.90 1,573 15
Net Income Attributable to Parent($000) 1,632 1,586 2.90 1,573 15
ROAA 0.94 0.95 (1) bp 0.90 4 bp
Core ROAA 0.91 0.70 21 bp 0.90 1 bp
ROAE 10.68 11.28 (60) bp 10.64 4 bp
ROATCE 10.68 11.28 (60) bp 10.64 4 bp
Core ROAE 10.28 8.27 201 bp 10.64 (36) bp
Net Interest Margin 3.84 3.69 15 bp 3.81 3 bp
Reported: Net Interest Margin 3.89 3.74 15 bp 3.79 10 bp
Efficiency Ratio 75.65 77.51 (186) bp 76.47 (82) bp
Noninterest Inc/ Operating Rev 18.60 18.85 (25) bp 17.27 133 bp
Balance Sheet Ratios (%)
Loans/ Deposits 92 87.15 485 bp 86.43 557 bp
Securities/ Assets 10.33 10.63 (30) bp 10.14 19 bp
Total Equity/ Total Assets 8.87 8.31 56 bp 8.21 66 bp
Tangible Equity/ Tangible Assets 8.87 8.31 56 bp 8.21 66 bp
Tang Common Equity/ Tang Assets 8.87 8.31 56 bp 8.21 66 bp
Asset Quality (%)
NPAs/ Assets 0.95 1.29 (34) bp 0.92 3 bp
NPA Excl Restructured/ Assets 0.47 0.74 (27) bp 0.46 1 bp
NPAs & 90+ PD/ Assets 0.96 1.40 (44) bp 0.92 4 bp
NPAs/ Loans & REO 1.22 1.74 (52) bp 1.22 0 bp
Nonaccrual & 90+ & OREO/ Assets 0.48 0.85 (37) bp 0.46 2 bp
NPAs & 90+ PD/ Loans & REO 1.23 1.89 (66) bp 1.22 1 bp
NPA & Loans 90+/ Tangible Common Equity + LLR 9.96 15.40 (544) bp 10.29 (33) bp
NCOs/ Avg Loans (0.04) 0 (4) bp 0.03 (7) bp
Loan Loss Reserves/ Gross Loans 0.97 1.07 (10) bp 0.94 3 bp
Reserves/ NPAs 79.49 61.45 1,804 bp 77.14 235 bp
Loan Loss Provision/ NCO NM NM NM 0 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) 3,785,454 3,773,603 0.31 3,773,836 1.23
Avg Diluted Shares(actual) 3,788,910 3,777,114 0.31 3,779,289 1.02
Basic Book Value per Share 16.41 15.02 9.25 15.90 12.83
Book Value per Share, As Reported 16.41 15.01 9.33 15.90 12.83
Basic Tangible Book Value per Share 16.41 15.02 9.25 15.90 12.83
Tangible Book Value per Share, As Reported 16.41 15.01 9.33 15.90 12.83
Common Dividends Declared per Share 0.12 0.12 0 0.12 0
EPS after Extra 0.43 0.42 2.38 0.42 9.52
EPS after Extra Growth(%) 2.40 110 (10,762) bp NM NM
Core EPS 0.41 0.31 32.26 0.42 (9.52)
Core EPS Growth(%) 34.30 54 (1,968) bp 42.40 (809) bp
Diluted EPS before Amortization 0.43 0.42 2.38 0.42 9.52
Pre-Provision Earnings per Share 0.38 0.33 15.15 0.36 22.22

   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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