Financial Highlights

Financial Highlights
2018 FY
12/31/2018
2017 FY
12/31/2017
Balance Sheet ($000)
Total Assets 478,815 533,122
Total Net Loans 393,924 410,543
Total Deposits 400,732 465,981
Equity Attributable to Parent Company 59,114 55,294
Total Equity 59,114 55,294
Profitability (%)
Net Income($000) 191 2,695
Net Income Attributable to Parent($000) 191 2,695
ROAA 0.04 0.52
Core ROAA 0.21 0.63
ROAE 0.34 5.02
ROATCE 0.34 5.02
Core ROAE 1.93 6.12
Net Interest Margin 3.47 3.50
Reported: Net Interest Margin 3.38 3.50
Efficiency Ratio 91.45 77.59
Noninterest Inc/ Operating Rev 16.50 20.32
Balance Sheet Ratios (%)
Loans/ Deposits 98.34 87.41
Securities/ Assets 10.71 14.89
Total Equity/ Total Assets 12.35 10.37
Tangible Equity/ Tangible Assets 12.35 10.36
Tang Common Equity/ Tang Assets 12.35 10.36
Asset Quality (%)
NPAs/ Assets 0.71 0.17
NPA Excl Restructured/ Assets 0.59 0.15
NPAs & 90+ PD/ Assets 0.71 0.17
NPAs/ Loans & REO 0.85 0.21
Nonaccrual & 90+ & OREO/ Assets 0.59 0.15
NPAs & 90+ PD/ Loans & REO 0.85 0.21
NPA & Loans 90+/ Tangible Common Equity + LLR 5.30 1.48
NCOs/ Avg Loans 0.10 (0.09)
Loan Loss Reserves/ Gross Loans 1.15 1.10
Reserves/ NPAs 135.43 514.90
Loan Loss Provision/ NCO 102.53 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 60,238 55,808
Tier 1 Capital($000) 60,238 55,808
Tier 2 Capital($000) 4,572 4,562
Total Capital($000) 64,810 60,370
Total Risk-weighted Assets($000) 408,910 418,979
Tier 1 Common Capital (CET1) Ratio(%) 14.73 13.32
Tier 1 Ratio(%) 14.73 13.32
Total Capital Ratio(%) 15.85 14.41
Liquidity Coverage Ratio(%) NA NA
Leverage Ratio(%) 12.15 10.19
Basel III Leverage Ratio(%) NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 6,981,602 6,494,472
Avg Diluted Shares(actual) 6,948,844 6,833,739
Basic Book Value per Share 8.47 8.51
Book Value per Share, As Reported 8.47 8.46
Basic Tangible Book Value per Share 8.47 8.50
Tangible Book Value per Share, As Reported 8.47 8.46
Common Dividends Declared per Share 0 0
EPS after Extra 0.03 0.39
EPS after Extra Growth(%) (92.30) (4.90)
Core EPS 0.17 0.48
Core EPS Growth(%) (63.90) 16.90
Diluted EPS before Amortization 0.03 0.39
Pre-Provision Earnings per Share 0.21 0.48
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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