Financial Highlights


Financial Highlights
2020 FQ1 YTD
3/31/2020
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
Balance Sheet ($000)
Total Assets 1,600,138 1,416,154 1,349,338 1,322,604 1,140,689
Total Net Loans 1,130,305 1,117,511 1,083,240 1,053,201 931,525
Total Deposits 1,296,288 1,199,570 1,136,002 1,139,393 1,001,300
Equity Attributable to Parent Company 147,498 149,048 141,374 112,876 99,719
Total Equity 147,498 149,048 141,374 112,876 99,719
Profitability (%)
Net Income($000) (2,361) 5,680 27,339 10,449 (34,643)
Net Income Attributable to Parent($000) (2,361) 5,680 27,339 10,449 (34,643)
ROAA (0.67) 0.40 2.04 0.88 (3.13)
Core ROAA (0.67) 0.40 2.04 0.88 (3.13)
ROAE (6.25) 3.87 21.40 9.78 (27.56)
ROATCE NA NA NA 9.74 (27.37)
Core ROAE (6.25) 3.87 21.37 9.78 (27.56)
Net Interest Margin 3.34 3.60 3.74 3.74 3.30
Reported: Net Interest Margin 3.36 3.60 3.74 3.74 3.30
Efficiency Ratio 77.34 69.11 68.86 78.47 94.83
Noninterest Inc/ Operating Rev 8.71 10.13 8.57 9.10 7.64
Balance Sheet Ratios (%)
Loans/ Deposits 88.55 94.29 96.54 93.68 94.71
Securities/ Assets 2.36 2.71 3.06 3.72 4.63
Total Equity/ Total Assets 9.22 10.52 10.48 8.53 8.74
Tangible Equity/ Tangible Assets NA NA NA 8.53 8.74
Tang Common Equity/ Tang Assets NA NA NA 8.53 8.74
Asset Quality (%)
NPAs/ Assets 1.28 1.12 0.41 0.48 2.18
NPA Excl Restructured/ Assets 1.28 1.12 0.41 0.45 2.18
NPAs & 90+ PD/ Assets 1.28 1.12 0.50 0.48 2.18
NPAs/ Loans & REO 1.78 1.40 0.50 0.60 2.62
Nonaccrual & 90+ & OREO/ Assets 1.28 1.12 0.50 0.45 2.18
NPAs & 90+ PD/ Loans & REO 1.78 1.40 0.62 0.60 2.62
NPA & Loans 90+/ Tangible Common Equity + LLR NA NA NA 5.03 21.35
NCOs/ Avg Loans 0.82 0.82 0.06 0.26 1.84
Loan Loss Reserves/ Gross Loans 1.53 1.20 1.23 1.33 1.77
Reserves/ NPAs 85.83 85.90 246.01 221.95 67.54
Loan Loss Provision/ NCO 270.62 101.16 0 0 125.88
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA NA NA 116,005 101,199
Tier 1 Capital($000) NA NA NA 133,005 118,199
Tier 2 Capital($000) NA NA NA 14,546 12,844
Total Capital($000) NA NA NA 147,551 131,043
Total Risk-weighted Assets($000) NA NA NA 1,208,385 1,022,962
Tier 1 Common Capital (CET1) Ratio(%) NA NA NA 9.60 9.89
Tier 1 Ratio(%) NA NA NA 11 11.55
Total Capital Ratio(%) NA NA NA 12.20 12.81
Leverage Ratio(%) NA NA NA 10.50 10.52
Per Share Information ($)
Common Shares Outstanding(actual) 23,603,639 23,573,529 21,916,195 23,232,515 23,004,668
Avg Diluted Shares(actual) 23,475,042 23,631,879 23,527,183 23,312,292 22,958,644
Basic Book Value per Share 6.25 6.32 6.06 4.86 4.33
Book Value per Share, As Reported 6.66 6.74 6.06 4.33 4.33
Basic Tangible Book Value per Share NA NA NA 4.86 4.33
Tangible Book Value per Share, As Reported NA NA NA 4.33 4.33
EPS after Extra (0.10) 0.24 1.16 0.45 (1.51)
EPS after Extra Growth(%) NM (79.30) 157.80 NM NM
Core EPS (0.10) 0.24 1.16 0.45 (1.51)
Core EPS Growth(%) NM (79.30) 157.30 NM NM
Diluted EPS before Amortization NA NA NA 0.45 (1.51)
Pre-Provision Earnings per Share 0.10 0.57 0.55 0.29 0.07
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