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Financial Highlights
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 478,676 504,025 (5.03) 532,120 (40.17)
Total Net Loans 386,126 394,584 (2.14) 390,318 (4.30)
Total Deposits 428,045 457,400 (6.42) 483,179 (45.64)
Equity Attributable to Parent Company 35,129 32,219 9.03 33,647 17.62
Total Equity 35,129 32,219 9.03 33,647 17.62
Profitability (%)
Net Income($000) 1,125 682 64.96 1,043 31.45
Net Income Attributable to Parent($000) 1,125 682 64.96 1,043 31.45
ROAA 0.89 0.54 35 bp 0.82 7 bp
Core ROAA 0.89 0.66 23 bp 0.82 7 bp
ROAE 13.09 8.51 458 bp 12.52 57 bp
ROATCE 13.09 8.51 458 bp 12.52 57 bp
Core ROAE 13.11 10.41 270 bp 12.55 56 bp
Net Interest Margin 3.43 3.21 22 bp 3.17 26 bp
Reported: Net Interest Margin 3.43 3.21 22 bp 3.17 26 bp
Efficiency Ratio 70.17 71.90 (173) bp 71.19 (102) bp
Noninterest Inc/ Operating Rev 19.12 17.94 118 bp 21.28 (216) bp
Balance Sheet Ratios (%)
Loans/ Deposits 90.73 86.67 406 bp 81.49 924 bp
Securities/ Assets 8.81 10.43 (162) bp 8.20 61 bp
Total Equity/ Total Assets 7.34 6.39 95 bp 6.32 102 bp
Tangible Equity/ Tangible Assets 7.34 6.39 95 bp 6.32 102 bp
Tang Common Equity/ Tang Assets 7.34 6.39 95 bp 6.32 102 bp
Asset Quality (%)
NPAs/ Assets NA NA NA NA NA
NPA Excl Restructured/ Assets 1 0.34 66 bp 0.41 59 bp
NPAs & 90+ PD/ Assets NA NA NA NA NA
NPAs/ Loans & REO NA NA NA NA NA
Nonaccrual & 90+ & OREO/ Assets NA 0.34 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 0.06 (6) bp 0 0 bp
Loan Loss Reserves/ Gross Loans 1.12 1.03 9 bp 1.09 3 bp
Reserves/ NPAs NA NA NA NA NA
Loan Loss Provision/ NCO NM 117.19 NM NM 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 1,381,600 0.05 1,381,426 0.26
Avg Diluted Shares(actual) 1,374,102 1,370,224 0.28 1,376,971 (0.83)
Basic Book Value per Share 25.41 23.32 8.96 24.36 17.24
Book Value per Share, As Reported 25.41 23.32 8.96 24.33 17.76
Basic Tangible Book Value per Share 25.41 23.32 8.96 24.36 17.24
Common Dividends Declared per Share 0.15 0.15 0 0.15 0
EPS after Extra 0.82 0.50 64 0.76 31.58
EPS after Extra Growth(%) 64 11.10 5,289 bp 72.70 (873) bp
Core EPS 0.82 0.61 34.43 0.76 31.58
Core EPS Growth(%) 34.30 35.70 (130) bp 72.80 (3,842) bp
Diluted EPS before Amortization 0.82 0.50 64 0.76 31.58
Pre-Provision Earnings per Share 0.85 0.59 44.07 0.85 0

   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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