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Financial Highlights
Financial Highlights
2019 FQ1
3/31/2019
2018 FQ1
3/31/2018
Y-Y Ch (%)
2018 FQ4
12/31/2018
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 507,120 513,916 (1.32) 478,676 23.77
Total Net Loans 383,502 390,466 (1.78) 386,126 (2.72)
Total Deposits 451,305 466,600 (3.28) 428,045 21.74
Equity Attributable to Parent Company 36,415 32,245 12.93 35,129 14.64
Total Equity 36,415 32,245 12.93 35,129 14.64
Profitability (%)
Net Income($000) 907 934 (2.89) 1,125 (77.51)
Net Income Attributable to Parent($000) 907 934 (2.89) 1,125 (77.51)
ROAA 0.74 0.73 1 bp 0.89 (15) bp
Core ROAA 0.89 0.73 16 bp 0.89 0 bp
ROAE 10.14 11.59 (145) bp 13.09 (295) bp
ROATCE 10.14 11.59 (145) bp 13.09 (295) bp
Core ROAE 12.22 11.60 62 bp 13.11 (89) bp
Net Interest Margin 3.50 3.14 36 bp 3.43 7 bp
Reported: Net Interest Margin 3.50 3.14 36 bp 3.43 7 bp
Efficiency Ratio 71.60 73.93 (233) bp 70.17 143 bp
Noninterest Inc/ Operating Rev 14.31 15.19 (88) bp 19.12 (481) bp
Balance Sheet Ratios (%)
Loans/ Deposits 85.07 84.30 77 bp 90.73 (566) bp
Securities/ Assets 7.93 9.46 (153) bp 8.81 (88) bp
Total Equity/ Total Assets 7.18 6.27 91 bp 7.34 (16) bp
Tangible Equity/ Tangible Assets 7.18 6.27 91 bp 7.34 (16) bp
Tang Common Equity/ Tang Assets 7.18 6.27 91 bp 7.34 (16) bp
Asset Quality (%)
NPAs/ Assets NA NA NA NA NA
NPA Excl Restructured/ Assets 0.81 0.31 50 bp 1 (19) 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 1 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 0.69 0.01 68 bp 0 69 bp
Loan Loss Reserves/ Gross Loans 0.96 1.04 (8) bp 1.12 (16) bp
Reserves/ NPAs NA NA NA NA NA
Loan Loss Provision/ NCO 1.49 178.57 (17,708) bp 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 1,381,426 0.07 1,382,340 0
Avg Diluted Shares(actual) 1,376,012 1,366,588 0.69 1,374,102 0.56
Basic Book Value per Share 26.34 23.34 12.85 25.41 14.64
Book Value per Share, As Reported NA 23.33 NA 25.41 NA
Basic Tangible Book Value per Share 26.34 23.34 12.85 25.41 14.64
Common Dividends Declared per Share 0.15 0.15 0 0.15 0
EPS after Extra 0.65 0.68 (4.41) 0.82 (82.93)
EPS after Extra Growth(%) (4.40) 83.80 (8,819) bp 64 (6,841) bp
Core EPS 0.78 0.68 14.71 0.82 (19.51)
Core EPS Growth(%) 15.10 83.60 (6,854) bp 34.30 (1,928) bp
Diluted EPS before Amortization 0.65 0.68 (4.41) 0.82 (82.93)
Pre-Provision Earnings per Share 0.76 0.67 13.43 0.85 (42.35)

   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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