Financial Highlights

Financial Highlights
2019 FQ3 YTD
9/30/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
Balance Sheet ($000)
Total Assets 299,442 300,151 299,414 287,104 271,023
Total Net Loans 244,612 245,088 243,736 232,996 219,677
Total Deposits 217,882 217,914 226,981 224,898 215,278
Equity Attributable to Parent Company 31,341 30,161 29,029 28,202 27,404
Total Equity 31,341 30,161 29,029 28,202 27,404
Profitability (%)
Net Income($000) 781 1,383 578 1,847 1,841
Net Income Attributable to Parent($000) 781 1,383 578 1,847 1,841
ROAA 0.35 0.45 0.20 0.66 0.68
Core ROAA 0.31 0.42 0.23 0.64 0.68
ROAE 3.37 4.72 2.01 6.44 6.15
ROATCE 3.37 4.70 1.97 6.27 5.95
Core ROAE 3.01 4.44 2.36 6.34 6.07
Net Interest Margin 4.17 4.22 4.43 4.44 4.37
Reported: Net Interest Margin 4.17 4.22 4.43 4.44 4.37
Efficiency Ratio 80.73 73.33 76.94 65.89 66.08
Noninterest Inc/ Operating Rev 9.91 13.19 7.70 13.44 12.23
Balance Sheet Ratios (%)
Loans/ Deposits 113.45 113.80 107.32 104.46 102.29
Securities/ Assets 5.93 7.41 7.59 8.73 10.86
Total Equity/ Total Assets 10.47 10.05 9.70 9.82 10.11
Tangible Equity/ Tangible Assets 10.47 10.05 9.70 9.82 10.11
Tang Common Equity/ Tang Assets 10.47 10.05 9.70 9.82 10.11
Asset Quality (%)
NPAs/ Assets 0.81 0.55 0.39 1.12 1.44
NPA Excl Restructured/ Assets 0.74 0.30 0.14 1.12 1.44
NPAs & 90+ PD/ Assets 1.10 0.87 0.62 1.41 1.84
NPAs/ Loans & REO 0.98 0.66 0.47 1.36 1.75
Nonaccrual & 90+ & OREO/ Assets 1.03 0.62 0.38 1.41 1.84
NPAs & 90+ PD/ Loans & REO 1.33 1.05 0.76 1.70 2.24
NPA & Loans 90+/ Tangible Common Equity + LLR 9.62 7.85 5.87 13.27 16.86
NCOs/ Avg Loans 0.66 0.67 0.66 0.78 0.60
Loan Loss Reserves/ Gross Loans 1.13 1.23 1.11 0.97 0.99
Reserves/ NPAs 115.51 185.25 235.42 70.56 56.36
Loan Loss Provision/ NCO 80.83 117.85 130.14 104.73 119.79
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 30,876 30,414 28,573 27,418 26,966
Tier 1 Capital($000) 30,876 30,414 28,573 27,418 26,966
Tier 2 Capital($000) 2,808 2,979 2,745 2,277 2,193
Total Capital($000) 33,684 33,393 31,318 29,695 29,159
Total Risk-weighted Assets($000) 234,580 238,545 240,378 225,828 212,255
Tier 1 Common Capital (CET1) Ratio(%) 13.16 12.75 11.89 12.14 12.70
Tier 1 Ratio(%) 13.16 12.75 11.89 12.14 12.70
Total Capital Ratio(%) 14.36 14 13.03 13.15 13.74
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.30 9.97 9.65 9.58 10
Basel III Leverage Ratio(%) NA NA NA NA NA
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.