Financial Highlights
2018 FQ4
12/31/2018
2017 FQ4
12/31/2017
Y-Y Ch (%)
2018 FQ3
9/30/2018
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 1,837,307 1,813,130 1.33 1,833,663 0.79
Total Net Loans NA 1,085,379 NA 1,134,641 NA
Total Deposits 1,292,693 1,265,258 2.17 1,276,806 4.98
Equity Attributable to Parent Company 195,519 194,905 0.32 188,536 14.82
Total Equity 195,519 194,905 0.32 188,536 14.82
Profitability (%)
Net Income($000) 3,530 2,721 29.73 3,696 (17.97)
Net Income Attributable to Parent($000) 3,530 2,721 29.73 3,696 (17.97)
ROAA 0.77 0.61 16 bp 0.80 (3) bp
Core ROAA NA 0.68 NA 0.81 NA
ROAE 7.35 5.48 187 bp 7.67 (32) bp
ROATCE NA 7.30 NA 10.31 NA
Core ROAE NA 6.16 NA 7.71 NA
Net Interest Margin 2.89 3.02 (13) bp 2.95 (6) bp
Reported: Net Interest Margin NA 3.02 NA 2.95 NA
Efficiency Ratio 71.42 69.67 175 bp 71.25 17 bp
Noninterest Inc/ Operating Rev 18.80 18.88 (8) bp 19.02 (22) bp
Balance Sheet Ratios (%)
Loans/ Deposits 87.31 86.27 104 bp 89.28 (197) bp
Securities/ Assets NA 31.76 NA 28.69 NA
Total Equity/ Total Assets 10.64 10.75 (11) bp 10.28 36 bp
Tangible Equity/ Tangible Assets NA 8.29 NA 7.85 NA
Tang Common Equity/ Tang Assets NA 8.29 NA 7.85 NA
Asset Quality (%)
NPAs/ Assets NA 1.46 NA 1.70 NA
NPA Excl Restructured/ Assets NA 0.18 NA 0.41 NA
NPAs & 90+ PD/ Assets NA 1.49 NA 1.72 NA
NPAs/ Loans & REO NA 2.43 NA 2.73 NA
Nonaccrual & 90+ & OREO/ Assets NA 0.20 NA 0.42 NA
NPAs & 90+ PD/ Loans & REO NA 2.46 NA 2.75 NA
NPA & Loans 90+/ Tangible Common Equity + LLR NA 17.49 NA 21.25 NA
NCOs/ Avg Loans NA 0.06 NA 0.01 NA
Loan Loss Reserves/ Gross Loans NA 0.70 NA 0.71 NA
Reserves/ NPAs NA 29 NA 25.95 NA
Loan Loss Provision/ NCO NA 100 NA NM NA
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 149,013 NA NA NA
Tier 1 Capital($000) NA 149,013 NA NA NA
Tier 2 Capital($000) NA 7,700 NA NA NA
Total Capital($000) NA 156,713 NA NA NA
Total Risk-weighted Assets($000) NA 1,218,599 NA NA NA
Tier 1 Common Capital (CET1) Ratio(%) NA 12.23 NA 12.18 NA
Tier 1 Ratio(%) 12.60 12.23 37 bp 12.18 42 bp
Total Capital Ratio(%) 13.30 12.86 44 bp 12.83 47 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.70 8.54 16 bp 8.49 21 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) NA 7,825,524 NA 7,815,782 NA
Avg Diluted Shares(actual) 8,022,727 8,002,941 0.25 8,052,045 (1.46)
Basic Book Value per Share NA 24.91 NA 24.12 NA
Book Value per Share, As Reported NA NA NA NA NA
Basic Tangible Book Value per Share NA 18.70 NA 17.92 NA
Common Dividends Declared per Share 0.26 0.26 0 0.26 0
EPS after Extra 0.44 0.34 29.41 0.46 (17.39)
EPS after Extra Growth(%) 29.40 (27.70) 5,707 bp 4.50 2,486 bp
Core EPS NA 0.38 NA 0.46 NA
Core EPS Growth(%) NA (23.10) NA 4.50 NA
Diluted EPS before Amortization NA 0.34 NA 0.46 NA
Pre-Provision Earnings per Share 0.43 0.30 43.33 0.39 41.03

   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.


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