Financial Highlights

Financial Highlights
2020 FQ2 YTD
6/30/2020
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 1,287,137 1,112,448 1,121,554 986,984 935,366
Total Net Loans 1,045,671 927,745 909,279 802,372 763,184
Total Deposits 1,085,599 919,506 926,739 815,495 781,770
Equity Attributable to Parent Company 118,444 113,655 103,459 97,514 94,007
Total Equity 118,444 113,655 103,459 97,514 94,007
Profitability (%)
Net Income($000) 4,781 11,136 8,824 6,256 6,685
Net Income Attributable to Parent($000) 4,781 11,136 8,824 6,256 6,685
ROAA 0.81 1 0.83 0.65 0.73
Core ROAA 0.80 0.96 0.85 0.72 0.74
ROAE 8.20 10.22 8.84 6.47 7.21
ROATCE 9.50 12.01 10.75 8.03 8.99
Core ROAE 8.16 9.88 9.04 7.16 7.33
Net Interest Margin 3.34 3.28 3.34 3.58 3.69
Reported: Net Interest Margin 3.33 3.27 3.35 3.58 3.69
Efficiency Ratio 58.69 66.60 69.04 71.53 68.18
Noninterest Inc/ Operating Rev 19.14 20.81 20.03 20.48 19.27
Balance Sheet Ratios (%)
Loans/ Deposits 96.97 101.83 98.96 99.14 98.41
Securities/ Assets 7.28 8.62 8.66 8.40 8.86
Total Equity/ Total Assets 9.20 10.22 9.22 9.88 10.05
Tangible Equity/ Tangible Assets 8.16 9.01 7.98 8.43 8.65
Tang Common Equity/ Tang Assets 8.16 9.01 7.98 8.43 8.65
Asset Quality (%)
NPAs/ Assets 0.93 1.05 1.28 1.50 2.15
NPA Excl Restructured/ Assets 0.37 0.35 0.67 0.74 1.32
NPAs & 90+ PD/ Assets 0.93 1.05 1.35 1.50 2.18
NPAs/ Loans & REO 1.13 1.25 1.56 1.83 2.60
Nonaccrual & 90+ & OREO/ Assets 0.37 0.35 0.74 0.75 1.34
NPAs & 90+ PD/ Loans & REO 1.13 1.25 1.65 1.83 2.63
NPA & Loans 90+/ Tangible Common Equity + LLR 10.32 10.87 15.74 16.74 23.72
NCOs/ Avg Loans 0.01 0.06 0.08 0.05 0.19
Loan Loss Reserves/ Gross Loans 1.17 0.95 0.85 0.84 0.80
Reserves/ NPAs 103.26 75.97 54.65 45.77 30.47
Loan Loss Provision/ NCO NM 172.38 256.76 274.93 128.86
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA NA 89,738 82,034 79,868
Tier 1 Capital($000) NA NA 89,738 82,034 79,868
Tier 2 Capital($000) NA NA 17,921 16,886 16,298
Total Capital($000) NA NA 107,659 98,920 96,166
Total Risk-weighted Assets($000) NA NA 860,384 764,422 724,965
Tier 1 Common Capital (CET1) Ratio(%) NA NA 10.43 10.73 11.02
Tier 1 Ratio(%) NA NA 10.43 10.73 11.02
Total Capital Ratio(%) NA NA 12.51 12.94 13.26
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA NA 8.25 8.53 8.69
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 2,843,292 2,825,912 2,806,781 2,785,216 2,758,086
Avg Diluted Shares(actual) 2,801,000 2,794,000 2,780,000 2,774,000 2,749,000
Basic Book Value per Share 41.66 40.22 36.86 35.01 34.08
Book Value per Share, As Reported 41.66 40.22 36.86 35.01 34.08
Basic Tangible Book Value per Share 36.51 34.98 31.45 29.39 28.90
Tangible Book Value per Share, As Reported 36.51 34.98 31.45 29.39 28.90
Common Dividends Declared per Share 0.58 1.12 1.12 1.12 1.12
EPS after Extra 1.68 3.93 3.13 2.24 2.41
EPS after Extra Growth(%) (7.70) 25.60 39.70 (7.10) (20.20)
Core EPS 1.67 3.80 3.20 2.48 2.45
Core EPS Growth(%) (6.90) 18.60 28.80 1.40 (21.70)
Diluted EPS before Amortization 1.74 4.07 3.29 2.43 2.63
Pre-Provision Earnings per Share 2.52 3.79 3.38 2.33 2.50
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