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 1,190,583 1,160,680 1,167,655 1,153,780 1,148,497
Total Net Loans 881,979 854,458 882,544 876,926 874,066
Total Deposits 968,480 949,171 947,945 967,786 903,294
Equity Attributable to Parent Company 101,476 97,977 95,102 95,395 118,973
Total Equity 101,476 97,977 95,102 95,395 118,973
Profitability (%)
Net Income($000) 3,670 7,768 3,293 2,310 5,997
Net Income Attributable to Parent($000) 3,670 7,768 3,293 2,310 5,997
ROAA 0.63 0.67 0.28 0.20 0.54
ROAE 7.47 8.08 3.42 2.30 5.10
ROATCE 8.50 9.22 3.91 2.65 6.84
Net Interest Margin 3.29 3.31 3.31 3.25 3.49
Reported: Net Interest Margin 3.27 3.31 3.32 3.26 3.49
Efficiency Ratio 83.12 81.58 81.59 84.98 82.54
Noninterest Inc/ Operating Rev 28.99 29.23 28.77 29.76 28.83
Balance Sheet Ratios (%)
Loans/ Deposits 91.77 90.85 93.85 91.32 97.53
Securities/ Assets 16.61 16.73 14.96 14.15 12.85
Total Equity/ Total Assets 8.52 8.44 8.14 8.27 10.36
Tangible Equity/ Tangible Assets 7.60 7.49 7.20 7.31 9.42
Tang Common Equity/ Tang Assets 7.60 7.49 7.20 7.31 7.57
Asset Quality (%)
NPAs/ Assets 0.14 0.12 0.26 0.14 0.55
NPA Excl Restructured/ Assets 0.08 0.12 0.26 0.14 0.53
NPAs & 90+ PD/ Assets 0.14 0.12 0.26 0.14 0.55
NPAs/ Loans & REO 0.19 0.16 0.34 0.18 0.71
Nonaccrual & 90+ & OREO/ Assets 0.08 0.12 0.26 0.14 0.53
NPAs & 90+ PD/ Loans & REO 0.19 0.16 0.34 0.18 0.71
NPA & Loans 90+/ Tangible Common Equity + LLR 1.72 1.46 3.25 1.74 6.56
NCOs/ Avg Loans 0.04 0.11 0.06 0.44 0.11
Loan Loss Reserves/ Gross Loans 0.91 1 1.14 1.12 1.12
Reserves/ NPAs 481.98 629.25 336.65 611.58 157.55
Loan Loss Provision/ NCO (236.69) (63.63) 154.44 100.28 131.30
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 102,082 100,258 95,882 95,028 93,202
Tier 1 Capital($000) 113,962 112,130 107,682 106,868 125,648
Tier 2 Capital($000) 16,570 17,048 18,594 18,263 18,448
Total Capital($000) 130,532 129,178 126,276 125,131 144,096
Total Risk-weighted Assets($000) 993,016 954,838 956,096 951,273 926,749
Tier 1 Common Capital (CET1) Ratio(%) 10.28 10.50 10.03 9.99 10.06
Tier 1 Ratio(%) 11.47 11.74 11.26 11.23 13.56
Total Capital Ratio(%) 13.14 13.53 13.21 13.15 15.55
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.73 9.71 9.32 9.35 11.41
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 17,384,355 17,619,303 18,128,247 18,903,472 18,870,811
Avg Diluted Shares(actual) 17,611,000 18,037,000 18,600,000 18,955,000 18,933,000
Basic Book Value per Share 5.84 5.56 5.25 5.05 5.19
Book Value per Share, As Reported 5.84 5.56 5.25 5.05 5.19
Basic Tangible Book Value per Share 5.15 4.88 4.59 4.41 4.56
Tangible Book Value per Share, As Reported 5.15 4.88 4.59 4.41 4.56
Common Dividends Declared per Share 0.05 0.08 0.06 0.05 0.04
EPS after Extra 0.21 0.43 0.18 0.12 0.31
EPS after Extra Growth(%) 10.50 138.90 50 (61.30) 106.70
Core EPS 0.21 0.45 0.31 0.12 0.28
Core EPS Growth(%) 6.30 43.30 152.70 (55.30) 61
Diluted EPS before Amortization 0.21 0.43 0.18 0.12 0.31
Pre-Provision Earnings per Share 0.19 0.40 0.33 0.25 0.29
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