Financial Highlights
2020 FQ2
6/30/2020
2019 FQ2
6/30/2019
Y-Y Ch (%)
2020 FQ1
3/31/2020
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 1,913,227 1,824,592 4.86 1,815,904 21.44
Total Net Loans 1,280,959 1,169,957 9.49 1,168,467 38.51
Total Deposits 1,440,678 1,281,418 12.43 1,322,083 35.88
Equity Attributable to Parent Company 219,991 208,114 5.71 215,498 8.34
Total Equity 219,991 208,114 5.71 215,498 8.34
Profitability (%)
Net Income($000) 4,187 4,188 (0.02) 3,064 146.61
Net Income Attributable to Parent($000) 4,187 4,188 (0.02) 3,064 146.61
ROAA 0.89 0.93 (4) bp 0.68 21 bp
Core ROAA 0.83 0.93 (10) bp 0.57 26 bp
ROAE 7.63 8.13 (50) bp 5.68 195 bp
ROATCE 9.81 10.67 (86) bp 7.35 246 bp
Core ROAE 7.15 8.16 (101) bp 4.83 232 bp
Net Interest Margin 2.92 3.06 (14) bp 2.98 (6) bp
Reported: Net Interest Margin 2.92 3.06 (14) bp 2.98 (6) bp
Efficiency Ratio 68.74 68.28 46 bp 74.01 (527) bp
Noninterest Inc/ Operating Rev 19.06 19.68 (62) bp 16.68 238 bp
Balance Sheet Ratios (%)
Loans/ Deposits 89.15 91.82 (267) bp 88.95 20 bp
Securities/ Assets 21.02 27.16 (614) bp 23.61 (259) bp
Total Equity/ Total Assets 11.50 11.41 9 bp 11.87 (37) bp
Tangible Equity/ Tangible Assets 9.20 8.99 21 bp 9.46 (26) bp
Tang Common Equity/ Tang Assets 9.20 8.99 21 bp 9.46 (26) bp
Asset Quality (%)
NPAs/ Assets 1.39 1.59 (20) bp 1.53 (14) bp
NPA Excl Restructured/ Assets 0.32 0.47 (15) bp 0.41 (9) bp
NPAs & 90+ PD/ Assets 1.39 1.59 (20) bp 1.53 (14) bp
NPAs/ Loans & REO 2.06 2.45 (39) bp 2.35 (29) bp
Nonaccrual & 90+ & OREO/ Assets 0.32 0.48 (16) bp 0.41 (9) bp
NPAs & 90+ PD/ Loans & REO 2.07 2.46 (39) bp 2.36 (29) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 14.78 17.31 (253) bp 15.78 (100) bp
NCOs/ Avg Loans (0.02) 0.06 (8) bp 0.01 (3) bp
Loan Loss Reserves/ Gross Loans 0.69 0.68 1 bp 0.74 (5) bp
Reserves/ NPAs 33.33 27.78 555 bp 31.39 194 bp
Loan Loss Provision/ NCO NM (98.35) NM NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA NA NA NA NA
Tier 1 Capital($000) NA NA NA NA NA
Tier 2 Capital($000) NA NA NA NA NA
Total Capital($000) NA NA NA NA NA
Total Risk-weighted Assets($000) NA NA NA NA NA
Tier 1 Common Capital (CET1) Ratio(%) 12.90 12.43 47 bp 12.72 18 bp
Tier 1 Ratio(%) 12.90 12.43 47 bp 12.72 18 bp
Total Capital Ratio(%) 13.60 13.06 54 bp 13.41 19 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.86 9.03 (17) bp 9.09 (23) bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 7,918,329 7,877,980 0.51 7,876,604 2.12
Avg Diluted Shares(actual) 8,068,748 8,089,876 (0.26) 8,055,607 0.65
Basic Book Value per Share 27.78 26.42 5.15 27.36 6.14
Book Value per Share, As Reported NA NA NA NA NA
Basic Tangible Book Value per Share 21.68 20.27 6.96 21.22 8.67
Common Dividends Declared per Share 0.27 0.26 3.85 0.27 0
EPS after Extra 0.52 0.52 0 0.38 147.37
EPS after Extra Growth(%) 0 26.80 (2,683) bp (11.60) 1,163 bp
Core EPS 0.49 0.52 (5.77) 0.32 212.50
Core EPS Growth(%) (6.70) 25.40 (3,206) bp (25.20) 1,856 bp
Diluted EPS before Amortization 0.52 0.52 0 0.38 147.37
Pre-Provision Earnings per Share 0.44 0.45 (2.22) 0.34 117.65

   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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