Financial Highlights


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 1,419,117 1,349,338 1,322,604 1,140,689 1,062,389
Total Net Loans 1,077,595 1,083,240 1,053,201 931,525 849,733
Total Deposits 1,199,630 1,136,002 1,139,393 1,001,300 893,840
Equity Attributable to Parent Company 145,916 141,374 112,876 99,719 133,916
Total Equity 145,916 141,374 112,876 99,719 133,916
Profitability (%)
Net Income($000) 3,610 27,339 10,449 (34,643) 12,441
Net Income Attributable to Parent($000) 3,610 27,339 10,449 (34,643) 12,441
ROAA 0.52 2.04 0.88 (3.13) 1.17
Core ROAA 0.52 2.04 0.39 (3.13) 1.17
ROAE 5.02 21.40 9.78 (27.56) 10.23
ROATCE NA NA 9.74 (27.37) 9.57
Core ROAE 5.02 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 3.61 3.74 3.74 3.30 3.25
Efficiency Ratio 68.60 68.86 78.47 94.83 96.61
Noninterest Inc/ Operating Rev 10.59 8.57 9.10 7.64 7.35
Balance Sheet Ratios (%)
Loans/ Deposits 90.78 96.54 93.68 94.71 96.49
Securities/ Assets 2.71 3.06 3.72 4.63 5.74
Total Equity/ Total Assets 10.28 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 0.06 0.26 1.84 0.13
Loan Loss Reserves/ Gross Loans 1.05 1.23 1.33 1.77 1.47
Reserves/ NPAs 804.63 246.01 221.95 67.54 49.12
Loan Loss Provision/ NCO 61.89 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) 23,514,870 21,916,195 23,232,515 23,004,668 22,820,332
Avg Diluted Shares(actual) 23,581,106 23,527,183 23,312,292 22,958,644 20,675,279
Basic Book Value per Share 6.21 6.06 4.86 4.33 5.87
Book Value per Share, As Reported 6.21 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 6.21 6.06 4.33 4.33 5.87
EPS after Extra 0.15 1.16 0.45 (1.51) 0.53
EPS after Extra Growth(%) (81.50) 157.80 NM NM NM
Core EPS 0.15 1.16 0.20 (1.51) 0.53
Core EPS Growth(%) (81.40) 481.60 NM NM NM
Diluted EPS before Amortization 0.15 1.16 0.45 (1.51) 0.53
Pre-Provision Earnings per Share 0.28 0.54 0.29 0.07 (0.04)
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.