Financial Highlights

Financial Highlights
2018 FQ4
12/31/2018
2017 FQ4
12/31/2017
Y-Y Ch (%)
2018 FQ3
9/30/2018
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 730,805 644,613 13.37 669,977 36.32
Total Net Loans 544,188 497,705 9.34 527,802 12.42
Total Deposits 635,638 570,023 11.51 566,231 49.03
Equity Attributable to Parent Company 60,007 56,142 6.88 58,277 11.87
Total Equity 60,007 56,142 6.88 58,277 11.87
Profitability (%)
Net Income($000) 1,573 (543) NM 1,317 77.75
Net Income Attributable to Parent($000) 1,573 (543) NM 1,317 77.75
ROAA 0.90 (0.34) 124 bp 0.80 10 bp
Core ROAA 0.90 0.71 19 bp 0.80 10 bp
ROAE 10.64 (3.75) 1,439 bp 9.04 160 bp
ROATCE 10.64 (3.75) 1,439 bp 9.04 160 bp
Core ROAE 10.64 7.91 273 bp 9.04 160 bp
Net Interest Margin 3.81 3.78 3 bp 3.84 (3) bp
Reported: Net Interest Margin 3.79 3.75 4 bp 3.81 (2) bp
Efficiency Ratio 76.47 74.74 173 bp 76.27 20 bp
Noninterest Inc/ Operating Rev 17.27 19.67 (240) bp 18.48 (121) bp
Balance Sheet Ratios (%)
Loans/ Deposits 86.43 88.21 (178) bp 94.13 (770) bp
Securities/ Assets 10.14 11.43 (129) bp 11.21 (107) bp
Total Equity/ Total Assets 8.21 8.71 (50) bp 8.70 (49) bp
Tangible Equity/ Tangible Assets 8.21 8.71 (50) bp 8.70 (49) bp
Tang Common Equity/ Tang Assets 8.21 8.71 (50) bp 8.70 (49) bp
Asset Quality (%)
NPAs/ Assets 0.92 1.35 (43) bp 1.07 (15) bp
NPA Excl Restructured/ Assets 0.46 0.70 (24) bp 0.56 (10) bp
NPAs & 90+ PD/ Assets 0.92 1.36 (44) bp 1.13 (21) bp
NPAs/ Loans & REO 1.22 1.73 (51) bp 1.34 (12) bp
Nonaccrual & 90+ & OREO/ Assets 0.46 0.71 (25) bp 0.62 (16) bp
NPAs & 90+ PD/ Loans & REO 1.22 1.74 (52) bp 1.42 (20) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 10.29 14.32 (403) bp 11.94 (165) bp
NCOs/ Avg Loans 0.03 (0.44) 47 bp (0.03) 6 bp
Loan Loss Reserves/ Gross Loans 0.94 1.01 (7) bp 0.98 (4) bp
Reserves/ NPAs 77.14 58.43 1,871 bp 73.04 410 bp
Loan Loss Provision/ NCO 0 NM NM 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) 3,773,836 3,762,677 0.30 3,773,836 0
Avg Diluted Shares(actual) 3,779,289 3,772,700 0.17 3,780,547 (0.13)
Basic Book Value per Share 15.90 14.92 6.57 15.44 11.92
Book Value per Share, As Reported 15.90 14.92 6.57 15.44 11.92
Basic Tangible Book Value per Share 15.90 14.92 6.57 15.44 11.92
Tangible Book Value per Share, As Reported 15.90 14.92 6.57 15.44 11.92
Common Dividends Declared per Share 0.12 0.12 0 0.12 0
EPS after Extra 0.42 (0.14) NM 0.35 80
EPS after Extra Growth(%) NM NM NM 2.90 NM
Core EPS 0.42 0.29 44.83 0.35 80
Core EPS Growth(%) 42.40 34.10 833 bp 3 3,938 bp
Diluted EPS before Amortization 0.42 (0.14) NM 0.35 80
Pre-Provision Earnings per Share 0.36 0.29 24.14 0.35 11.43

   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.

Have Questions?

Back to Top