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 1,173,846 1,114,857 1,047,079 900,935 781,302
Total Net Loans 945,659 891,505 816,783 703,542 617,861
Total Deposits 984,816 944,223 880,441 776,806 664,674
Equity Attributable to Parent Company 126,774 128,390 115,028 78,556 71,400
Total Equity 126,774 128,390 115,028 78,556 71,400
Profitability (%)
Net Income($000) 2,919 13,196 11,415 8,873 7,988
Net Income Attributable to Parent($000) 2,919 13,196 11,415 8,873 7,988
ROAA 1.02 1.20 1.16 1.05 1.05
Core ROAA 1.03 1.21 1.17 1.09 1.03
ROAE 9.15 10.80 13.54 11.81 11.43
ROATCE 9.38 11.03 NA 11.88 11.50
Core ROAE 9.22 10.87 13.60 12.27 11.25
Net Interest Margin 3.81 3.94 3.90 3.87 3.94
Reported: Net Interest Margin 3.82 3.94 3.90 3.87 3.94
Efficiency Ratio 68.01 63.27 62.45 61.42 62.78
Noninterest Inc/ Operating Rev 20.37 16.25 12.88 11.96 10.80
Balance Sheet Ratios (%)
Loans/ Deposits 96.65 95.28 93.63 91.36 93.78
Securities/ Assets 12.59 12.95 13.91 13.84 14.26
Total Equity/ Total Assets 10.80 11.52 10.99 8.72 9.14
Tangible Equity/ Tangible Assets 10.64 11.35 10.86 8.68 9.09
Tang Common Equity/ Tang Assets 10.64 11.35 10.86 8.68 9.09
Asset Quality (%)
NPAs/ Assets 0.23 0.20 0.20 0.40 0.60
NPA Excl Restructured/ Assets 0.20 0.17 0.17 0.21 0.36
NPAs & 90+ PD/ Assets 0.25 0.24 0.21 0.40 0.60
NPAs/ Loans & REO 0.29 0.24 0.25 0.50 0.75
Nonaccrual & 90+ & OREO/ Assets 0.22 0.21 0.18 0.21 0.36
NPAs & 90+ PD/ Loans & REO 0.31 0.30 0.27 0.50 0.75
NPA & Loans 90+/ Tangible Common Equity + LLR 2.22 1.99 1.81 4.25 6.13
NCOs/ Avg Loans 0 0.03 0.02 0.09 0.11
Loan Loss Reserves/ Gross Loans 0.97 0.97 0.92 0.88 0.91
Reserves/ NPAs 337.72 398.68 361.10 173.69 121.26
Loan Loss Provision/ NCO NM 535.71 NM 192.44 97.43
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 125,708 125,184 115,399 78,354 71,723
Tier 1 Capital($000) 125,708 125,184 115,399 78,354 71,723
Tier 2 Capital($000) 14,717 14,227 13,007 11,685 11,159
Total Capital($000) 140,425 139,411 128,406 90,039 82,882
Total Risk-weighted Assets($000) 975,172 910,807 837,511 725,244 629,694
Tier 1 Common Capital (CET1) Ratio(%) 12.89 13.74 13.78 10.80 11.39
Tier 1 Ratio(%) 12.89 13.74 13.78 10.80 11.39
Total Capital Ratio(%) 14.40 15.31 15.33 12.42 13.16
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.04 11.04 11.14 8.71 9.14
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 1,999,888 2,020,273 2,015,276 1,610,628 1,583,228
Avg Diluted Shares(actual) 2,041,259 2,044,508 1,709,333 1,641,554 1,608,218
Basic Book Value per Share 63.39 63.55 57.08 48.77 45.10
Book Value per Share, As Reported 62.71 63.55 57.08 48.77 45.10
Basic Tangible Book Value per Share 62.33 62.49 56.33 48.51 44.83
Tangible Book Value per Share, As Reported 62.33 62.49 56.33 48.51 44.83
Common Dividends Declared per Share 0.57 2.08 1.89 1.72 1.55
EPS after Extra 1.43 6.45 6.68 5.40 4.97
EPS after Extra Growth(%) (1.40) (3.40) 23.70 8.70 (3.10)
Core EPS 1.44 6.49 6.71 5.61 4.89
Core EPS Growth(%) (1.30) (3.30) 19.70 14.70 2.70
Diluted EPS before Amortization 1.44 6.50 NA 5.40 4.97
Pre-Provision Earnings per Share 1.57 6.80 7.17 5.43 4.68
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