Financial Highlights

Financial Highlights
2020 FQ1 YTD
3/31/2020
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
Balance Sheet ($000)
Total Assets 295,490 288,261 300,151 299,414 287,104
Total Net Loans 240,657 243,173 245,088 243,736 232,996
Total Deposits 210,930 203,874 217,914 226,981 224,898
Equity Attributable to Parent Company 30,243 31,281 30,161 29,029 28,202
Total Equity 30,243 31,281 30,161 29,029 28,202
Profitability (%)
Net Income($000) (530) 727 1,383 578 1,847
Net Income Attributable to Parent($000) (530) 727 1,383 578 1,847
ROAA (0.73) 0.24 0.45 0.20 0.66
Core ROAA (0.73) 0.22 0.42 0.23 0.64
ROAE (6.89) 2.35 4.72 2.01 6.44
ROATCE (6.89) 2.35 4.70 1.97 6.27
Core ROAE (6.89) 2.07 4.44 2.36 6.34
Net Interest Margin 4.12 4.17 4.22 4.43 4.44
Reported: Net Interest Margin NA 4.17 4.22 4.43 4.44
Efficiency Ratio 87 83.71 73.33 76.94 65.89
Noninterest Inc/ Operating Rev 11.53 10.32 13.19 7.70 13.44
Balance Sheet Ratios (%)
Loans/ Deposits 115.31 120.03 113.80 107.32 104.46
Securities/ Assets 5.55 5.88 7.41 7.59 8.73
Total Equity/ Total Assets 10.23 10.85 10.05 9.70 9.82
Tangible Equity/ Tangible Assets 10.23 10.85 10.05 9.70 9.82
Tang Common Equity/ Tang Assets 10.23 10.85 10.05 9.70 9.82
Asset Quality (%)
NPAs/ Assets 0.96 0.77 0.55 0.39 1.12
NPA Excl Restructured/ Assets 0.85 0.70 0.30 0.14 1.12
NPAs & 90+ PD/ Assets 1.52 1.26 0.87 0.62 1.41
NPAs/ Loans & REO 1.16 0.91 0.66 0.47 1.36
Nonaccrual & 90+ & OREO/ Assets 1.41 1.19 0.62 0.38 1.41
NPAs & 90+ PD/ Loans & REO 1.84 1.47 1.05 0.76 1.70
NPA & Loans 90+/ Tangible Common Equity + LLR 13.38 10.69 7.85 5.87 13.27
NCOs/ Avg Loans 0.82 0.71 0.67 0.66 0.78
Loan Loss Reserves/ Gross Loans 1.32 1.06 1.23 1.11 0.97
Reserves/ NPAs 113.57 116.85 185.25 235.42 70.56
Loan Loss Provision/ NCO 224.40 74.68 117.85 130.14 104.73
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 30,153 30,681 30,414 28,573 27,418
Tier 1 Capital($000) 30,153 30,681 30,414 28,573 27,418
Tier 2 Capital($000) 2,927 2,600 2,979 2,745 2,277
Total Capital($000) 33,080 33,281 33,393 31,318 29,695
Total Risk-weighted Assets($000) 233,866 234,922 238,545 240,378 225,828
Tier 1 Common Capital (CET1) Ratio(%) 12.89 13.06 12.75 11.89 12.14
Tier 1 Ratio(%) 12.89 13.06 12.75 11.89 12.14
Total Capital Ratio(%) 14.14 14.17 14 13.03 13.15
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.38 10.37 9.97 9.65 9.58
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.