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Financial Highlights
2018 FQ4
12/31/2018
2017 FQ4
12/31/2017
Y-Y Ch (%)
2018 FQ3
9/30/2018
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 955,630 928,766 2.89 948,113 3.17
Total Net Loans 725,404 702,931 3.20 721,088 2.39
Total Deposits 782,091 764,099 2.35 786,566 (2.28)
Equity Attributable to Parent Company 80,150 73,665 8.80 77,919 11.45
Total Equity 80,150 73,665 8.80 77,919 11.45
Profitability (%)
Net Income($000) 1,759 48 3,564.58 2,162 (74.56)
Net Income Attributable to Parent($000) 1,759 48 3,564.58 2,162 (74.56)
ROAA 0.74 0.02 72 bp 0.91 (17) bp
Core ROAA 0.74 0.64 10 bp 0.92 (18) bp
ROAE 8.90 0.26 864 bp 11.23 (233) bp
ROATCE 8.90 0.26 864 bp 11.23 (233) bp
Core ROAE 8.97 7.95 102 bp 11.37 (240) bp
Net Interest Margin 3.11 3.09 2 bp 3.18 (7) bp
Reported: Net Interest Margin 3.11 3.09 2 bp 3.16 (5) bp
Efficiency Ratio 69.76 65.67 409 bp 68.70 106 bp
Noninterest Inc/ Operating Rev 11.99 11.06 93 bp 10.78 121 bp
Balance Sheet Ratios (%)
Loans/ Deposits 93.77 93.09 68 bp 92.68 109 bp
Securities/ Assets 18.49 18.21 28 bp 18.90 (41) bp
Total Equity/ Total Assets 8.39 7.93 46 bp 8.22 17 bp
Tangible Equity/ Tangible Assets 8.39 7.93 46 bp 8.22 17 bp
Tang Common Equity/ Tang Assets 8.39 7.93 46 bp 8.22 17 bp
Asset Quality (%)
NPAs/ Assets 0.76 0.76 0 bp 0.75 1 bp
NPA Excl Restructured/ Assets 0.16 0.13 3 bp 0.13 3 bp
NPAs & 90+ PD/ Assets 0.76 0.76 0 bp 0.75 1 bp
NPAs/ Loans & REO 0.99 1 (1) bp 0.97 2 bp
Nonaccrual & 90+ & OREO/ Assets 0.16 0.13 3 bp 0.13 3 bp
NPAs & 90+ PD/ Loans & REO 0.99 1 (1) bp 0.97 2 bp
NPA & Loans 90+/ Tangible Common Equity + LLR 8.22 8.61 (39) bp 8.24 (2) bp
NCOs/ Avg Loans (0.02) (0.04) 2 bp (0.02) 0 bp
Loan Loss Reserves/ Gross Loans 1.08 1.23 (15) bp 1.08 0 bp
Reserves/ NPAs 109.41 123.51 (1,410) bp 111.78 (237) 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) 89,086 81,886 8.79 NA NA
Tier 2 Capital($000) 24,092 24,862 (3.10) NA NA
Total Capital($000) 113,178 106,748 6.02 NA NA
Total Risk-weighted Assets($000) NA NA NA NA NA
Tier 1 Common Capital (CET1) Ratio(%) NA NA NA NA NA
Tier 1 Ratio(%) 11.33 10.96 37 bp 11.25 8 bp
Total Capital Ratio(%) 14.39 14.29 10 bp 14.34 5 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.33 8.88 45 bp 9.21 12 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 8,680,388 8,652,804 0.32 8,678,454 0.09
Avg Diluted Shares(actual) 8,679,304 8,648,191 0.36 8,677,445 0.09
Basic Book Value per Share 9.23 8.51 8.46 8.98 11.14
Book Value per Share, As Reported 9.23 8.51 8.46 8.98 11.14
Basic Tangible Book Value per Share 9.23 8.51 8.46 8.98 11.14
Tangible Book Value per Share, As Reported 9.23 8.51 8.46 8.98 11.14
Common Dividends Declared per Share 0.03 0.03 0 0.03 0
EPS after Extra 0.20 0.01 1,900 0.25 (80)
EPS after Extra Growth(%) NM (95.50) NM 31.60 NM
Core EPS 0.20 0.31 (35.48) 0.25 (80)
Core EPS Growth(%) (34.10) 39.10 (7,324) bp 33.20 (6,736) bp
Diluted EPS before Amortization 0.20 0.01 1,900 0.25 (80)
Pre-Provision Earnings per Share 0.22 0.35 (37.14) 0.23 (17.39)

   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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