Financial Highlights

Financial Highlights
2020 FQ1 YTD
3/31/2020
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 1,636,280 1,639,308 1,636,927 1,295,638 1,306,799
Total Net Loans 1,267,379 1,239,406 1,194,577 845,657 816,228
Total Deposits 1,345,872 1,348,280 1,300,919 1,085,821 1,110,905
Equity Attributable to Parent Company 233,478 228,048 218,985 150,271 142,944
Total Equity 233,478 228,048 218,985 150,271 142,944
Profitability (%)
Net Income($000) 5,026 18,912 14,845 12,972 12,482
Net Income Attributable to Parent($000) 5,026 18,912 14,845 12,972 12,482
ROAA 1.23 1.15 1 0.99 0.96
Core ROAA 1.17 1.20 1.19 1 0.95
ROAE 8.70 8.42 7.90 8.74 8.60
ROATCE 12.40 12.21 11.49 11.75 11.73
Core ROAE 8.30 8.75 9.46 8.86 8.56
Net Interest Margin 3.90 3.71 3.63 3.58 3.51
Reported: Net Interest Margin 3.92 3.71 3.63 3.58 3.51
Efficiency Ratio 61.70 63.17 61.42 62.43 61.22
Noninterest Inc/ Operating Rev 18.81 18.22 18.77 19.82 19.52
Balance Sheet Ratios (%)
Loans/ Deposits 94.54 92.22 92.14 78.20 73.80
Securities/ Assets 11.19 13.41 17.22 24.50 28.16
Total Equity/ Total Assets 14.27 13.91 13.38 11.60 10.94
Tangible Equity/ Tangible Assets 10.87 10.49 9.87 9.25 8.54
Tang Common Equity/ Tang Assets 10.87 10.49 9.87 9.25 8.54
Asset Quality (%)
NPAs/ Assets 0.43 0.61 0.84 1.04 1.34
NPA Excl Restructured/ Assets 0.17 0.21 0.20 0.23 0.44
NPAs & 90+ PD/ Assets 0.43 0.61 0.85 1.04 1.34
NPAs/ Loans & REO 0.55 0.81 1.14 1.58 2.13
Nonaccrual & 90+ & OREO/ Assets 0.18 0.21 0.20 0.23 0.44
NPAs & 90+ PD/ Loans & REO 0.55 0.81 1.16 1.58 2.13
NPA & Loans 90+/ Tangible Common Equity + LLR 3.97 5.94 8.70 11.19 15.58
NCOs/ Avg Loans 0.07 0.02 0.03 0.05 0.06
Loan Loss Reserves/ Gross Loans 0.39 0.33 0.34 0.40 0.44
Reserves/ NPAs 72.01 40.20 29.51 25.33 20.48
Loan Loss Provision/ NCO 558.57 99.52 329.64 55.56 195.50
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 163,932 158,648 156,326 120,193 112,885
Tier 1 Capital($000) 163,932 158,648 156,326 120,193 112,885
Tier 2 Capital($000) 5,008 4,045 4,046 3,403 3,575
Total Capital($000) 168,940 162,693 160,372 123,596 116,460
Total Risk-weighted Assets($000) 1,317,472 1,299,173 1,235,502 904,480 868,579
Tier 1 Common Capital (CET1) Ratio(%) 12.44 12.21 12.65 13.29 13
Tier 1 Ratio(%) 12.44 12.21 12.65 13.29 13
Total Capital Ratio(%) 12.82 12.52 12.98 13.66 13.41
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.43 10.06 9.96 9.51 8.81
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 12,969,076 12,936,783 13,295,276 10,023,059 9,998,025
Avg Diluted Shares(actual) 12,927,666 13,082,893 11,942,253 10,012,511 9,976,370
Basic Book Value per Share 18 17.63 16.47 14.99 14.30
Book Value per Share, As Reported 18 17.63 16.47 14.99 14.30
Basic Tangible Book Value per Share 13.18 12.78 11.67 11.64 10.86
Tangible Book Value per Share, As Reported 13.18 12.78 11.67 11.64 10.86
Common Dividends Declared per Share 0.18 0.69 0.65 0.64 0.64
EPS after Extra 0.39 1.44 1.24 1.29 1.25
EPS after Extra Growth(%) 11.40 16.10 (3.90) 3.20 6.80
Core EPS 0.37 1.50 1.48 1.31 1.24
Core EPS Growth(%) 1.90 0.80 13.50 5.10 1.50
Diluted EPS before Amortization 0.41 1.52 1.32 1.36 1.33
Pre-Provision Earnings per Share 0.39 1.39 1.42 1.12 1.11
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