Financial Highlights

Financial Highlights
2019 FY
12/31/2019
2018 FY
12/31/2018
Balance Sheet ($000)
Total Assets 500,393 478,815
Total Net Loans 400,477 393,924
Total Deposits 395,211 400,732
Equity Attributable to Parent Company 64,026 59,114
Total Equity 64,026 59,114
Profitability (%)
Net Income($000) 2,705 191
Net Income Attributable to Parent($000) 2,705 191
ROAA 0.55 0.04
Core ROAA 0.53 0.21
ROAE 4.40 0.34
ROATCE 4.40 0.34
Core ROAE 4.26 1.97
Net Interest Margin 3.47 3.52
Reported: Net Interest Margin 3.47 3.52
Efficiency Ratio 83.71 90.79
Noninterest Inc/ Operating Rev 24.75 16.07
Balance Sheet Ratios (%)
Loans/ Deposits 99.43 98.34
Securities/ Assets 10.71 10.71
Total Equity/ Total Assets 12.80 12.35
Tangible Equity/ Tangible Assets 12.80 12.35
Tang Common Equity/ Tang Assets 12.80 12.35
Asset Quality (%)
NPAs/ Assets 0.34 0.68
NPA Excl Restructured/ Assets 0.34 0.59
NPAs & 90+ PD/ Assets 1.24 0.68
NPAs/ Loans & REO 0.42 0.82
Nonaccrual & 90+ & OREO/ Assets 1.24 0.59
NPAs & 90+ PD/ Loans & REO 1.54 0.82
NPA & Loans 90+/ Tangible Common Equity + LLR 9.14 5.14
NCOs/ Avg Loans 0.16 0.09
Loan Loss Reserves/ Gross Loans 1.02 1.15
Reserves/ NPAs 242.19 139.65
Loan Loss Provision/ NCO 30.23 114.04
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 64,056 60,238
Tier 1 Capital($000) 64,056 60,238
Tier 2 Capital($000) 4,122 4,572
Total Capital($000) 68,177 64,811
Total Risk-weighted Assets($000) 419,864 408,910
Tier 1 Common Capital (CET1) Ratio(%) 15.26 14.73
Tier 1 Ratio(%) 15.26 14.73
Total Capital Ratio(%) 16.24 15.85
Liquidity Coverage Ratio(%) NA NA
Leverage Ratio(%) 12.80 12.16
Basel III Leverage Ratio(%) NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 7,221,046 7,096,602
Avg Diluted Shares(actual) 7,226,571 6,948,844
Basic Book Value per Share 8.87 8.33
Book Value per Share, As Reported 8.86 8.47
Basic Tangible Book Value per Share 8.87 8.33
Tangible Book Value per Share, As Reported 8.86 8.47
Common Dividends Declared per Share 0 0
EPS after Extra 0.37 0.03
EPS after Extra Growth(%) NM (92.30)
Core EPS 0.36 0.17
Core EPS Growth(%) 108.60 (63.90)
Diluted EPS before Amortization 0.37 0.03
Pre-Provision Earnings per Share 0.35 0.21
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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