Financial Highlights

Financial Highlights
2019 FQ1 YTD
3/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
Balance Sheet ($000)
Total Assets 1,789,908 1,750,969 1,534,302 1,418,804 1,384,476
Total Net Loans 1,395,931 1,369,234 1,162,857 1,133,938 1,126,787
Total Deposits 1,430,659 1,309,154 1,159,580 1,107,017 1,012,314
Equity Attributable to Parent Company 180,872 176,773 150,192 145,625 114,712
Total Equity 180,872 176,773 150,192 145,625 114,712
Profitability (%)
Net Income($000) 3,192 12,003 7,575 12,912 6,816
Net Income Attributable to Parent($000) 3,192 12,003 7,575 12,912 6,816
ROAA 0.73 0.73 0.52 0.90 0.56
Core ROAA 0.72 0.69 0.55 0.61 0.57
ROAE 7.18 7.46 5.23 10.50 6.08
ROATCE 8.18 8.65 6.06 13.57 8.09
Core ROAE 7.11 7.06 5.47 7.05 6.25
Net Interest Margin 3.40 3.41 3.27 3.22 3.07
Reported: Net Interest Margin 3.45 3.41 3.27 3.22 3.07
Efficiency Ratio 81.24 81.26 83.26 80.60 82.85
Noninterest Inc/ Operating Rev 38.38 42.02 47.22 49.49 49.96
Balance Sheet Ratios (%)
Loans/ Deposits 93.75 99.63 95.37 95.11 101.96
Securities/ Assets 13.61 13.85 15.58 11.86 9.51
Total Equity/ Total Assets 10.11 10.10 9.79 10.26 8.29
Tangible Equity/ Tangible Assets 9.14 9.11 8.65 9.03 6.99
Tang Common Equity/ Tang Assets 8.70 8.66 8.13 7.86 5.79
Asset Quality (%)
NPAs/ Assets 0.65 0.65 1.02 0.85 1.17
NPA Excl Restructured/ Assets 0.40 0.41 0.63 0.44 0.68
NPAs & 90+ PD/ Assets 0.65 0.65 1.02 0.85 1.23
NPAs/ Loans & REO 0.82 0.82 1.33 1.06 1.43
Nonaccrual & 90+ & OREO/ Assets 0.40 0.41 0.63 0.44 0.74
NPAs & 90+ PD/ Loans & REO 0.82 0.82 1.33 1.06 1.50
NPA & Loans 90+/ Tangible Common Equity + LLR 7 7.03 11.72 10.18 19.57
NCOs/ Avg Loans 0 0.11 0.12 0.22 0.07
Loan Loss Reserves/ Gross Loans 0.80 0.79 0.84 0.80 0.71
Reserves/ NPAs 97.12 96.78 63.32 75.04 49.45
Loan Loss Provision/ NCO NM 176.94 155.66 143.16 351.13
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 159,922 156,714 126,350 114,642 82,494
Tier 1 Capital($000) 171,880 168,672 138,308 135,100 102,952
Tier 2 Capital($000) 25,126 24,823 39,839 38,993 37,424
Total Capital($000) 197,006 193,495 178,147 174,093 140,376
Total Risk-weighted Assets($000) 1,433,007 1,403,738 1,198,102 1,133,743 1,086,877
Tier 1 Common Capital (CET1) Ratio(%) 11.16 11.16 10.55 10.11 7.59
Tier 1 Ratio(%) 11.99 12.02 11.54 11.92 9.47
Total Capital Ratio(%) 13.75 13.78 14.87 15.36 12.91
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.88 9.87 9.27 9.54 7.77
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 11,614,793 11,607,293 10,444,627 9,996,544 8,061,921
Avg Diluted Shares(actual) 13,177,281 12,722,003 10,440,228 10,068,733 8,140,116
Basic Book Value per Share 14.90 14.55 13.63 12.93 12.20
Book Value per Share, As Reported 14.90 14.55 13.63 12.93 12.20
Basic Tangible Book Value per Share 13.26 12.92 11.80 11.01 9.81
Tangible Book Value per Share, As Reported 13.26 12.92 11.80 11.01 9.81
Common Dividends Declared per Share 0.04 0.11 0.10 0.08 0.08
EPS after Extra 0.26 1 0.68 1.31 0.77
EPS after Extra Growth(%) 13 47.10 (48.10) 70.10 250
Core EPS 0.26 0.95 0.71 0.89 0.79
Core EPS Growth(%) 21.10 33 (19.60) 11.80 132
Diluted EPS before Amortization 0.26 1.01 0.69 1.32 0.77
Pre-Provision Earnings per Share 0.27 1.11 0.82 1.09 0.94
Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.
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