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Financial Highlights

Financial Highlights
2020 FQ3 YTD
9/30/2020
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 1,148,942 998,465 985,784 929,454 911,382
Total Net Loans 746,403 540,677 494,116 440,278 425,978
Total Deposits 957,942 835,048 823,648 765,558 741,521
Equity Attributable to Parent Company 121,870 108,607 91,901 87,622 84,951
Total Equity 121,870 108,607 91,901 87,622 84,951
COVID-19 Financial Disclosure
Paycheck Protection Program Loan($000) NA NA NA NA NA
PPP Loan Ratio(%) NA NA NA NA NA
COVID-19 Loan Modification($000) NA NA NA NA NA
COVID-19 Loan Modification Ratio(%) NA NA NA NA NA
Processing Fees on PPP Loans($000) NA NA NA NA NA
Profitability (%)
Net Income($000) 13,890 10,662 10,426 4,369 8,961
Net Income Attributable to Parent($000) 13,890 10,662 10,426 4,369 8,961
ROAA 1.71 1.07 1.09 0.47 1
Core ROAA 1.49 1.10 1.12 0.42 0.99
ROAE 16.16 10.58 12.09 4.98 10.34
ROATCE 19.29 13.09 15.63 6.59 13.52
Core ROAE 14.03 10.89 12.40 4.43 10.17
Net Interest Margin 3.65 3.48 3.37 3.40 3.45
Reported: Net Interest Margin 3.66 3.48 3.37 3.40 3.45
Efficiency Ratio 58.72 68.29 67.50 86.11 67.67
Noninterest Inc/ Operating Rev 40.66 34.43 35.97 36.13 35.44
Balance Sheet Ratios (%)
Loans/ Deposits 76.89 64.50 60.12 57.37 57.42
Securities/ Assets 26.11 36.54 39.15 41.40 41.89
Total Equity/ Total Assets 10.61 10.88 9.32 9.43 9.32
Tangible Equity/ Tangible Assets 9.20 9.25 7.62 7.60 7.42
Tang Common Equity/ Tang Assets 9.20 9.25 7.62 7.60 7.42
Asset Quality (%)
NPAs/ Assets 1.05 0.90 0.89 1.10 0.88
NPA Excl Restructured/ Assets 0.68 0.58 0.53 0.70 0.44
NPAs & 90+ PD/ Assets 1.05 0.90 0.89 1.10 0.88
NPAs/ Loans & REO 1.59 1.64 1.75 2.29 1.85
Nonaccrual & 90+ & OREO/ Assets 0.68 0.58 0.53 0.70 0.44
NPAs & 90+ PD/ Loans & REO 1.59 1.64 1.75 2.29 1.85
NPA & Loans 90+/ Tangible Common Equity + LLR 10.71 9.23 10.97 13.65 11.18
NCOs/ Avg Loans 0.14 0.13 0.24 0.08 0.25
Loan Loss Reserves/ Gross Loans 1.11 1.18 1.15 1.22 1.24
Reserves/ NPAs 69.44 72.10 66.07 53.54 66.73
Loan Loss Provision/ NCO 370.90 200.57 127.97 134.33 46.38
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 95,240 85,938 78,150 68,269 68,263
Tier 1 Capital($000) 116,240 106,938 99,150 88,605 88,819
Tier 2 Capital($000) 8,506 6,607 5,905 5,603 5,777
Total Capital($000) 124,746 113,545 105,055 94,208 94,596
Total Risk-weighted Assets($000) 721,899 656,461 595,793 532,007 512,480
Tier 1 Common Capital (CET1) Ratio(%) 13.19 13.09 13.12 12.83 13.32
Tier 1 Ratio(%) 16.10 16.29 16.64 16.65 17.33
Total Capital Ratio(%) 17.28 17.30 17.63 17.71 18.46
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.40 10.94 10.34 9.80 10.04
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 4,736,537 4,827,266 4,820,257 4,725,031 4,701,672
Avg Diluted Shares(actual) 4,771,869 4,836,821 4,813,319 4,787,857 4,706,512
Basic Book Value per Share 25.73 22.50 19.07 18.54 18.07
Book Value per Share, As Reported 25.73 22.50 19.07 18.55 18.06
Basic Tangible Book Value per Share 21.98 18.79 15.30 14.65 14.10
Common Dividends Declared per Share 0.57 0.73 0.69 0.66 0.63
EPS after Extra 2.91 2.20 2.16 0.92 1.90
EPS after Extra Growth(%) 90.10 1.80 136.10 (51.90) (16.50)
Core EPS 2.53 2.26 2.22 0.81 1.87
Core EPS Growth(%) 59.80 2.10 172.60 (56.60) (19.40)
Diluted EPS before Amortization 2.94 2.24 2.21 0.98 1.97
Pre-Provision Earnings per Share 2.93 2.23 2.13 0.47 1.55
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.