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Financial Highlights
Financial Highlights
2019 FQ2
6/30/2019
2018 FQ2
6/30/2018
Y-Y Ch (%)
2019 FQ1
3/31/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 480,917 488,399 (1.53) 507,120 (20.67)
Total Net Loans 376,882 396,703 (5) 383,502 (6.90)
Total Deposits 425,126 439,416 (3.25) 451,305 (23.20)
Equity Attributable to Parent Company 37,121 32,974 12.58 36,415 7.76
Total Equity 37,121 32,974 12.58 36,415 7.76
Profitability (%)
Net Income($000) 618 1,013 (38.99) 907 (127.45)
Net Income Attributable to Parent($000) 618 1,013 (38.99) 907 (127.45)
ROAA 0.50 0.81 (31) bp 0.74 (24) bp
Core ROAA 0.78 0.81 (3) bp 0.90 (12) bp
ROAE 6.72 12.43 (571) bp 10.14 (342) bp
ROATCE 6.72 12.43 (571) bp 10.14 (342) bp
Core ROAE 10.44 12.44 (200) bp 12.41 (197) bp
Net Interest Margin 3.41 3.38 3 bp 3.50 (9) bp
Reported: Net Interest Margin 3.41 3.38 3 bp 3.50 (9) bp
Efficiency Ratio 73.40 72.56 84 bp 71.72 168 bp
Noninterest Inc/ Operating Rev 17.28 16.29 99 bp 14.31 297 bp
Balance Sheet Ratios (%)
Loans/ Deposits 88.58 90.08 (150) bp 85.07 351 bp
Securities/ Assets 5.88 9.59 (371) bp 7.93 (205) bp
Total Equity/ Total Assets 7.72 6.75 97 bp 7.18 54 bp
Tangible Equity/ Tangible Assets 7.72 6.75 97 bp 7.18 54 bp
Tang Common Equity/ Tang Assets 7.72 6.75 97 bp 7.18 54 bp
Asset Quality (%)
NPAs/ Assets NA NA NA NA NA
NPA Excl Restructured/ Assets 0.87 0.18 69 bp 0.81 6 bp
NPAs & 90+ PD/ Assets NA NA NA NA NA
NPAs/ Loans & REO NA NA NA NA NA
Nonaccrual & 90+ & OREO/ Assets NA NA NA NA NA
NPAs & 90+ PD/ Loans & REO NA NA NA NA NA
NPA & Loans 90+/ Tangible Common Equity + LLR NA NA NA NA NA
NCOs/ Avg Loans 0 (0.04) 4 bp 0.69 (69) bp
Loan Loss Reserves/ Gross Loans 0.99 1.04 (5) bp 0.96 3 bp
Reserves/ NPAs NA NA NA NA NA
Loan Loss Provision/ NCO NM NM NM 1.49 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA NA NA NA NA
Tier 1 Capital($000) NA NA NA NA NA
Tier 2 Capital($000) NA NA NA NA NA
Total Capital($000) NA NA NA NA NA
Total Risk-weighted Assets($000) NA NA NA NA NA
Tier 1 Common Capital (CET1) Ratio(%) NA NA NA NA NA
Tier 1 Ratio(%) NA NA NA NA NA
Total Capital Ratio(%) NA NA NA NA NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA NA NA NA NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 1,382,340 1,381,426 0.07 1,382,340 0
Avg Diluted Shares(actual) 1,376,032 1,367,201 0.65 1,376,012 0.01
Basic Book Value per Share 26.85 23.87 12.48 26.34 7.74
Book Value per Share, As Reported 26.85 23.87 12.48 NA NA
Basic Tangible Book Value per Share 26.85 23.87 12.48 26.34 7.74
Common Dividends Declared per Share 0.15 0.15 0 0.15 0
EPS after Extra 0.45 0.73 (38.36) 0.65 (123.08)
EPS after Extra Growth(%) (38.40) 73.80 (11,217) bp (4.40) (3,395) bp
Core EPS 0.70 0.73 (4.11) 0.80 (50)
Core EPS Growth(%) (4.30) 73.70 (7,802) bp 16.90 (2,120) bp
Diluted EPS before Amortization 0.45 0.73 (38.36) 0.65 (123.08)
Pre-Provision Earnings per Share 0.70 0.74 (5.41) 0.76 (31.58)

   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.


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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