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Financial Highlights
2019 FQ1
3/31/2019
2018 FQ1
3/31/2018
Y-Y Ch (%)
2018 FQ4
12/31/2018
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 961,130 922,441 4.19 955,630 2.30
Total Net Loans 738,703 699,276 5.64 725,404 7.33
Total Deposits 783,616 772,216 1.48 782,091 0.78
Equity Attributable to Parent Company 82,291 74,372 10.65 80,150 10.68
Total Equity 82,291 74,372 10.65 80,150 10.68
Profitability (%)
Net Income($000) 1,647 1,808 (8.90) 1,759 (25.47)
Net Income Attributable to Parent($000) 1,647 1,808 (8.90) 1,759 (25.47)
ROAA 0.69 0.79 (10) bp 0.74 (5) bp
Core ROAA 0.68 0.81 (13) bp 0.74 (6) bp
ROAE 8.11 9.78 (167) bp 8.90 (79) bp
ROATCE 8.11 9.78 (167) bp 8.90 (79) bp
Core ROAE 8.02 10.07 (205) bp 8.97 (95) bp
Net Interest Margin 3.07 3.11 (4) bp 3.11 (4) bp
Reported: Net Interest Margin 3.12 3.15 (3) bp 3.11 1 bp
Efficiency Ratio 71 71.13 (13) bp 69.76 124 bp
Noninterest Inc/ Operating Rev 11.21 10.41 80 bp 11.99 (78) bp
Balance Sheet Ratios (%)
Loans/ Deposits 95.29 91.65 364 bp 93.77 152 bp
Securities/ Assets 17.66 17.90 (24) bp 18.49 (83) bp
Total Equity/ Total Assets 8.56 8.06 50 bp 8.39 17 bp
Tangible Equity/ Tangible Assets 8.56 8.06 50 bp 8.39 17 bp
Tang Common Equity/ Tang Assets 8.56 8.06 50 bp 8.39 17 bp
Asset Quality (%)
NPAs/ Assets 0.77 0.76 1 bp 0.76 1 bp
NPA Excl Restructured/ Assets 0.18 0.12 6 bp 0.16 2 bp
NPAs & 90+ PD/ Assets 0.77 0.76 1 bp 0.76 1 bp
NPAs/ Loans & REO 0.99 0.99 0 bp 0.99 0 bp
Nonaccrual & 90+ & OREO/ Assets 0.18 0.12 6 bp 0.16 2 bp
NPAs & 90+ PD/ Loans & REO 0.99 0.99 0 bp 0.99 0 bp
NPA & Loans 90+/ Tangible Common Equity + LLR 8.17 8.50 (33) bp 8.22 (5) bp
NCOs/ Avg Loans (0.01) (0.01) 0 bp (0.02) 1 bp
Loan Loss Reserves/ Gross Loans 1.07 1.19 (12) bp 1.08 (1) bp
Reserves/ NPAs 108.70 120.03 (1,133) bp 109.41 (71) bp
Loan Loss Provision/ NCO NM NM NM NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA NA NA NA NA
Tier 1 Capital($000) NA NA NA 89,086 NA
Tier 2 Capital($000) NA NA NA 24,092 NA
Total Capital($000) NA NA NA 113,178 NA
Total Risk-weighted Assets($000) NA NA NA NA NA
Tier 1 Common Capital (CET1) Ratio(%) NA NA NA NA NA
Tier 1 Ratio(%) 11.29 11.12 17 bp 11.33 (4) bp
Total Capital Ratio(%) 14.31 14.40 (9) bp 14.39 (8) bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.48 9.04 44 bp 9.33 15 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 8,712,023 8,674,890 0.43 8,680,388 1.46
Avg Diluted Shares(actual) 8,687,969 8,658,506 0.34 8,679,304 0.40
Basic Book Value per Share 9.45 8.57 10.27 9.23 9.53
Book Value per Share, As Reported 9.45 8.57 10.27 9.23 9.53
Basic Tangible Book Value per Share 9.45 8.57 10.27 9.23 9.53
Tangible Book Value per Share, As Reported 9.45 8.57 10.27 9.23 9.53
Common Dividends Declared per Share 0.03 0.03 0 0.03 0
EPS after Extra 0.19 0.21 (9.52) 0.20 (20)
EPS after Extra Growth(%) (9.50) 31.30 (4,077) bp NM NM
Core EPS 0.19 0.22 (13.64) 0.20 (20)
Core EPS Growth(%) (13.20) 35.20 (4,833) bp (34.10) 2,096 bp
Diluted EPS before Amortization 0.19 0.21 (9.52) 0.20 (20)
Pre-Provision Earnings per Share 0.21 0.20 5 0.22 (18.18)

   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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