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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 965,179 818,683 731,722 707,063 669,978
Total Net Loans 630,642 545,238 543,175 511,472 470,158
Total Deposits 815,961 683,546 606,498 583,259 540,785
Equity Attributable to Parent Company 89,967 85,476 76,536 70,532 65,415
Total Equity 89,967 85,476 76,536 70,532 65,415
Profitability (%)
Net Income($000) 5,089 10,414 9,412 7,101 6,738
Net Income Attributable to Parent($000) 5,089 10,414 9,412 7,101 6,738
ROAA 1.18 1.36 1.31 1.02 1.03
Core ROAA 1.19 1.37 1.33 1.05 1.05
ROAE 11.53 12.77 12.89 10.33 10.44
ROATCE 12.26 13.65 13.95 11.27 11.49
Core ROAE 11.60 12.82 13.01 10.59 10.63
Net Interest Margin 3.45 3.97 3.98 3.80 3.67
Reported: Net Interest Margin 3.47 3.97 3.98 3.80 3.67
Efficiency Ratio 57 58 58.17 58.96 59.98
Noninterest Inc/ Operating Rev 17.69 16.02 15.12 15.07 16.44
Balance Sheet Ratios (%)
Loans/ Deposits 78.04 80.70 90.52 88.61 87.92
Securities/ Assets 12.31 15.97 15.16 18.12 19.76
Total Equity/ Total Assets 9.32 10.44 10.46 9.98 9.76
Tangible Equity/ Tangible Assets 8.87 9.91 9.86 9.33 9.07
Tang Common Equity/ Tang Assets 8.87 9.91 9.86 9.33 9.07
Asset Quality (%)
NPAs/ Assets 0.68 0.67 0.43 0.62 1.72
NPA Excl Restructured/ Assets 0.46 0.40 0.25 0.33 0.22
NPAs & 90+ PD/ Assets 0.68 0.70 0.46 0.68 1.76
NPAs/ Loans & REO 1.03 0.99 0.58 0.85 2.43
Nonaccrual & 90+ & OREO/ Assets 0.46 0.43 0.27 0.39 0.25
NPAs & 90+ PD/ Loans & REO 1.03 1.04 0.61 0.93 2.48
NPA & Loans 90+/ Tangible Common Equity + LLR 7.08 6.54 4.33 6.79 17.95
NCOs/ Avg Loans 0.03 0.01 0.19 0.17 (0.03)
Loan Loss Reserves/ Gross Loans 1.23 1.27 1.08 1.08 1.11
Reserves/ NPAs 119.53 127.79 185.64 127.71 45.86
Loan Loss Provision/ NCO NM NM 129.91 137.62 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 80,573 73,053 66,203 61,246
Tier 1 Capital($000) NA 80,573 73,053 66,203 61,246
Tier 2 Capital($000) NA 7,025 5,915 5,612 5,299
Total Capital($000) NA 87,598 78,968 71,815 66,545
Total Risk-weighted Assets($000) NA 565,425 543,954 521,283 486,852
Tier 1 Common Capital (CET1) Ratio(%) 15.10 14.25 13.43 12.70 12.58
Tier 1 Ratio(%) 15.10 14.25 13.43 12.70 12.58
Total Capital Ratio(%) 16.40 15.50 14.52 13.78 13.67
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.30 9.98 10.07 9.31 9.30
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 2,742,350 2,742,350 2,742,242 2,742,242 2,742,242
Avg Diluted Shares(actual) 2,742,350 2,742,296 2,742,242 2,742,242 2,742,028
Basic Book Value per Share 32.81 31.17 27.91 25.72 23.85
Book Value per Share, As Reported 32.81 31.17 27.91 25.72 23.85
Basic Tangible Book Value per Share 31.06 29.41 26.12 23.90 21.99
Tangible Book Value per Share, As Reported NA 29.41 26.13 23.90 21.99
Common Dividends Declared per Share 0.56 1.08 0.98 0.84 0.78
EPS after Extra 1.86 3.80 3.43 2.59 2.46
EPS after Extra Growth(%) (0.50) 10.80 32.40 5.30 11.80
Core EPS 1.87 3.82 3.46 2.65 2.50
Core EPS Growth(%) (0.40) 10.20 30.40 6 13
Diluted EPS before Amortization 1.87 3.82 3.47 2.63 2.50
Pre-Provision Earnings per Share 2.08 4.05 3.74 2.72 2.44
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