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 1,119,212 1,121,554 986,984 935,366 891,192
Total Net Loans 910,976 909,279 802,372 763,184 699,781
Total Deposits 950,723 926,739 815,495 781,770 754,533
Equity Attributable to Parent Company 108,948 103,459 97,514 94,007 90,574
Total Equity 108,948 103,459 97,514 94,007 90,574
Profitability (%)
Net Income($000) 5,137 8,824 6,256 6,685 8,457
Net Income Attributable to Parent($000) 5,137 8,824 6,256 6,685 8,457
ROAA 0.92 0.83 0.65 0.73 0.96
Core ROAA 0.91 0.84 0.72 0.74 0.99
ROAE 9.68 8.84 6.47 7.21 8.09
ROATCE 11.52 10.75 8.03 8.99 11.85
Core ROAE 9.55 8.96 7.16 7.33 8.37
Net Interest Margin 3.23 3.34 3.58 3.69 3.99
Reported: Net Interest Margin 3.22 3.35 3.58 3.69 3.99
Efficiency Ratio 67.73 69.27 71.53 68.18 63.44
Noninterest Inc/ Operating Rev 20.32 20.03 20.48 19.27 18.32
Balance Sheet Ratios (%)
Loans/ Deposits 96.71 98.96 99.14 98.41 93.40
Securities/ Assets 9.28 8.66 8.40 8.86 8.96
Total Equity/ Total Assets 9.73 9.22 9.88 10.05 10.16
Tangible Equity/ Tangible Assets 8.51 7.98 8.43 8.65 8.64
Tang Common Equity/ Tang Assets 8.51 7.98 8.43 8.65 8.64
Asset Quality (%)
NPAs/ Assets 1.06 1.28 1.50 2.15 2.66
NPA Excl Restructured/ Assets 0.49 0.67 0.74 1.32 1.81
NPAs & 90+ PD/ Assets 1.06 1.35 1.50 2.18 2.67
NPAs/ Loans & REO 1.29 1.56 1.83 2.60 3.36
Nonaccrual & 90+ & OREO/ Assets 0.49 0.74 0.75 1.34 1.83
NPAs & 90+ PD/ Loans & REO 1.29 1.65 1.83 2.63 3.37
NPA & Loans 90+/ Tangible Common Equity + LLR 11.59 15.74 16.74 23.72 29.25
NCOs/ Avg Loans 0.01 0.08 0.05 0.19 0.08
Loan Loss Reserves/ Gross Loans 0.97 0.85 0.84 0.80 0.81
Reserves/ NPAs 74.58 54.65 45.77 30.47 24.10
Loan Loss Provision/ NCO NM 256.76 274.93 128.86 164.04
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 89,738 82,034 79,868 76,120
Tier 1 Capital($000) NA 89,738 82,034 79,868 76,120
Tier 2 Capital($000) NA 17,921 16,886 16,298 15,910
Total Capital($000) NA 107,659 98,920 96,166 92,030
Total Risk-weighted Assets($000) NA 860,384 764,422 724,965 681,365
Tier 1 Common Capital (CET1) Ratio(%) NA 10.43 10.73 11.02 11.17
Tier 1 Ratio(%) NA 10.43 10.73 11.02 11.17
Total Capital Ratio(%) NA 12.51 12.94 13.26 13.51
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA 8.25 8.53 8.69 8.56
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 2,823,476 2,806,781 2,785,216 2,758,086 2,733,576
Avg Diluted Shares(actual) 2,795,000 2,780,000 2,774,000 2,749,000 2,723,000
Basic Book Value per Share 38.59 36.86 35.01 34.08 33.13
Book Value per Share, As Reported 38.59 36.86 35.01 34.08 33.13
Basic Tangible Book Value per Share 33.28 31.45 29.39 28.90 27.69
Tangible Book Value per Share, As Reported 33.28 31.45 29.39 28.90 27.69
Common Dividends Declared per Share 0.56 1.12 1.12 1.12 1.12
EPS after Extra 1.82 3.13 2.24 2.41 3.02
EPS after Extra Growth(%) 30.90 39.70 (7.10) (20.20) 128.80
Core EPS 1.79 3.17 2.48 2.45 3.13
Core EPS Growth(%) 21.30 27.80 1.40 (21.70) 35.60
Diluted EPS before Amortization 1.89 3.29 2.43 2.63 3.26
Pre-Provision Earnings per Share 1.79 3.35 2.33 2.50 2.96
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