Financial Highlights


Financial Highlights
2019 FQ1 YTD
3/31/2019
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 1,398,640 1,349,338 1,322,604 1,140,689 1,062,389
Total Net Loans 1,062,997 1,083,240 1,053,201 931,525 849,733
Total Deposits 1,181,350 1,136,002 1,139,393 1,001,300 893,840
Equity Attributable to Parent Company 142,616 141,374 112,876 99,719 133,916
Total Equity 142,616 141,374 112,876 99,719 133,916
Profitability (%)
Net Income($000) 882 27,339 10,449 (34,643) 12,441
Net Income Attributable to Parent($000) 882 27,339 10,449 (34,643) 12,441
ROAA 0.25 2.04 0.88 (3.13) 1.17
Core ROAA 0.25 2.04 0.39 (3.13) 1.17
ROAE 2.46 21.40 9.78 (27.56) 10.23
ROATCE NA NA 9.74 (27.37) 9.57
Core ROAE 2.46 21.37 4.35 (27.56) 10.22
Net Interest Margin 3.58 3.74 3.74 3.30 3.25
Reported: Net Interest Margin 3.63 3.74 3.74 3.30 3.25
Efficiency Ratio 65.84 68.86 78.47 94.83 96.61
Noninterest Inc/ Operating Rev 11 8.57 9.10 7.64 7.35
Balance Sheet Ratios (%)
Loans/ Deposits 90.96 96.54 93.68 94.71 96.49
Securities/ Assets 2.87 3.06 3.72 4.63 5.74
Total Equity/ Total Assets 10.20 10.48 8.53 8.74 12.61
Tangible Equity/ Tangible Assets NA NA 8.53 8.74 12.61
Tang Common Equity/ Tang Assets NA NA 8.53 8.74 12.61
Asset Quality (%)
NPAs/ Assets 0.10 0.41 0.48 2.18 2.44
NPA Excl Restructured/ Assets 0.10 0.41 0.45 2.18 2.37
NPAs & 90+ PD/ Assets 0.10 0.50 0.48 2.18 2.44
NPAs/ Loans & REO 0.13 0.50 0.60 2.62 3
Nonaccrual & 90+ & OREO/ Assets 0.10 0.50 0.45 2.18 2.37
NPAs & 90+ PD/ Loans & REO 0.13 0.62 0.60 2.62 3
NPA & Loans 90+/ Tangible Common Equity + LLR NA NA 5.03 21.35 17.65
NCOs/ Avg Loans 1.96 0.06 0.26 1.84 0.13
Loan Loss Reserves/ Gross Loans 1.07 1.23 1.33 1.77 1.47
Reserves/ NPAs 812.56 246.01 221.95 67.54 49.12
Loan Loss Provision/ NCO 62.36 0 0 125.88 0
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA NA 116,005 101,199 131,188
Tier 1 Capital($000) NA NA 133,005 118,199 143,260
Tier 2 Capital($000) NA NA 14,546 12,844 11,624
Total Capital($000) NA NA 147,551 131,043 154,884
Total Risk-weighted Assets($000) NA NA 1,208,385 1,022,962 923,384
Tier 1 Common Capital (CET1) Ratio(%) NA NA 9.60 9.89 14.21
Tier 1 Ratio(%) NA NA 11 11.55 15.51
Total Capital Ratio(%) NA NA 12.20 12.81 16.77
Leverage Ratio(%) NA NA 10.50 10.52 13.30
Per Share Information ($)
Common Shares Outstanding(actual) 22,017,758 21,916,195 23,232,515 23,004,668 22,820,332
Avg Diluted Shares(actual) 23,546,751 23,527,183 23,312,292 22,958,644 20,675,279
Basic Book Value per Share 6.09 6.06 4.86 4.33 5.87
Book Value per Share, As Reported 6.09 6.06 4.33 4.33 5.87
Basic Tangible Book Value per Share NA NA 4.86 4.33 5.87
Tangible Book Value per Share, As Reported 6.09 6.06 4.33 4.33 5.87
EPS after Extra 0.04 1.16 0.45 (1.51) 0.53
EPS after Extra Growth(%) (75) 157.80 NM NM NM
Core EPS 0.04 1.16 0.20 (1.51) 0.53
Core EPS Growth(%) (74.70) 481.60 NM NM NM
Diluted EPS before Amortization 0.04 1.16 0.45 (1.51) 0.53
Pre-Provision Earnings per Share 0.16 0.54 0.29 0.07 (0.04)
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