Financial Highlights

Financial Highlights
2019 FQ2
6/30/2019
2018 FQ2
6/30/2018
Y-Y Ch (%)
2019 FQ1
3/31/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 956,468 936,454 2.14 921,021 15.39
Total Net Loans NA 495,345 NA 462,990 NA
Total Deposits 739,436 734,765 0.64 732,226 3.94
Equity Attributable to Parent Company NA 85,035 NA 94,100 NA
Total Equity NA 85,035 NA 94,100 NA
Profitability (%)
Net Income($000) 2,221 1,907 16.47 2,460 (38.86)
Net Income Attributable to Parent($000) 2,221 1,907 16.47 2,460 (38.86)
ROAA 0.95 0.83 12 bp 1.05 (10) bp
Core ROAA NA 0.85 NA 1.07 NA
ROAE NA 9.02 NA 10.74 NA
ROATCE NA 9.58 NA 11.31 NA
Core ROAE NA 9.18 NA 10.88 NA
Net Interest Margin 2.95 2.99 (4) bp 2.99 (4) bp
Reported: Net Interest Margin 2.95 2.97 (2) bp 2.94 1 bp
Efficiency Ratio 65.56 57.93 763 bp 61.84 372 bp
Noninterest Inc/ Operating Rev 43.06 40.72 234 bp 42.72 34 bp
Balance Sheet Ratios (%)
Loans/ Deposits 66.33 68.92 (259) bp 65.11 122 bp
Securities/ Assets NA 38.51 NA 39.28 NA
Total Equity/ Total Assets NA 9.08 NA 10.22 NA
Tangible Equity/ Tangible Assets NA 8.74 NA 9.89 NA
Tang Common Equity/ Tang Assets NA 8.74 NA 9.89 NA
Asset Quality (%)
NPAs/ Assets NA 1.62 NA 2.18 NA
NPA Excl Restructured/ Assets NA 0.93 NA 1.49 NA
NPAs & 90+ PD/ Assets NA 1.63 NA 2.18 NA
NPAs/ Loans & REO NA 3 NA 4.19 NA
Nonaccrual & 90+ & OREO/ Assets NA 0.94 NA 1.49 NA
NPAs & 90+ PD/ Loans & REO NA 3.01 NA 4.19 NA
NPA & Loans 90+/ Tangible Common Equity + LLR NA 16.47 NA 19.18 NA
NCOs/ Avg Loans NA 0.29 NA (0.04) NA
Loan Loss Reserves/ Gross Loans NA 2.22 NA 2.90 NA
Reserves/ NPAs NA 73.85 NA 69.08 NA
Loan Loss Provision/ NCO NA 602.49 NA NM NA
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 85,641 NA 90,635 NA
Tier 1 Capital($000) NA 95,641 NA 100,635 NA
Tier 2 Capital($000) NA 7,771 NA 7,404 NA
Total Capital($000) NA 103,412 NA 108,039 NA
Total Risk-weighted Assets($000) NA 618,220 NA 585,908 NA
Tier 1 Common Capital (CET1) Ratio(%) NA 13.85 NA 15.47 NA
Tier 1 Ratio(%) NA 15.47 NA 17.18 NA
Total Capital Ratio(%) NA 16.73 NA 18.44 NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA 10.45 NA 10.79 NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 3,089,773 3,087,488 0.07 3,089,773 0
Avg Diluted Shares(actual) 3,089,773 3,087,488 0.07 3,075,000 1.92
Basic Book Value per Share NA 27.54 NA 30.46 NA
Book Value per Share, As Reported 30.99 28.87 7.34 30.43 7.36
Basic Tangible Book Value per Share NA 26.41 NA 29.36 NA
Tangible Book Value per Share, As Reported NA NA NA NA NA
Common Dividends Declared per Share 0.16 0.15 6.67 0.16 0
EPS after Extra 0.72 0.62 16.13 0.80 (40)
EPS after Extra Growth(%) 16.10 (6.10) 2,219 bp (9.10) 2,522 bp
Core EPS NA 0.63 NA 0.81 NA
Core EPS Growth(%) NA (5.60) NA (8.70) NA
Diluted EPS before Amortization NA 0.63 NA 0.81 NA
Pre-Provision Earnings per Share 1 1.16 (13.79) 1.07 (26.17)

   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.


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