Financial Highlights
2019 FQ2
6/30/2019
2018 FQ2
6/30/2018
Y-Y Ch (%)
2019 FQ1
3/31/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 1,824,592 1,836,955 (0.67) 1,806,371 4.03
Total Net Loans 1,169,957 1,144,976 2.18 1,136,579 11.75
Total Deposits 1,281,418 1,274,762 0.52 1,277,963 1.08
Equity Attributable to Parent Company 208,114 191,949 8.42 202,413 11.27
Total Equity 208,114 191,949 8.42 202,413 11.27
Profitability (%)
Net Income($000) 4,188 3,333 25.65 3,496 79.18
Net Income Attributable to Parent($000) 4,188 3,333 25.65 3,496 79.18
ROAA 0.93 0.74 19 bp 0.77 16 bp
Core ROAA 0.93 0.75 18 bp 0.78 15 bp
ROAE 8.13 6.89 124 bp 7 113 bp
ROATCE 10.67 9.25 142 bp 9.29 138 bp
Core ROAE 8.16 6.99 117 bp 7.04 112 bp
Net Interest Margin 3.04 2.95 9 bp 3.01 3 bp
Reported: Net Interest Margin 3.04 2.95 9 bp 3.01 3 bp
Efficiency Ratio 68.28 70.68 (240) bp 71.32 (304) bp
Noninterest Inc/ Operating Rev 19.68 18.83 85 bp 16.90 278 bp
Balance Sheet Ratios (%)
Loans/ Deposits 91.82 90.35 147 bp 89.58 224 bp
Securities/ Assets 27.16 29.82 (266) bp 28.77 (161) bp
Total Equity/ Total Assets 11.41 10.45 96 bp 11.21 20 bp
Tangible Equity/ Tangible Assets 8.99 8.02 97 bp 8.76 23 bp
Tang Common Equity/ Tang Assets 8.99 8.02 97 bp 8.76 23 bp
Asset Quality (%)
NPAs/ Assets 1.59 1.65 (6) bp 1.66 (7) bp
NPA Excl Restructured/ Assets 0.47 0.36 11 bp 0.42 5 bp
NPAs & 90+ PD/ Assets 1.59 1.66 (7) bp 1.66 (7) bp
NPAs/ Loans & REO 2.45 2.62 (17) bp 2.62 (17) bp
Nonaccrual & 90+ & OREO/ Assets 0.48 0.37 11 bp 0.43 5 bp
NPAs & 90+ PD/ Loans & REO 2.46 2.64 (18) bp 2.62 (16) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 17.31 20.06 (275) bp 18.47 (116) bp
NCOs/ Avg Loans 0.06 0.12 (6) bp 0 6 bp
Loan Loss Reserves/ Gross Loans 0.68 0.71 (3) bp 0.73 (5) bp
Reserves/ NPAs 27.78 27.09 69 bp 28.03 (25) bp
Loan Loss Provision/ NCO (98.35) 100 (19,835) bp 309.09 (40,744) bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 153,566 NA NA NA
Tier 1 Capital($000) NA 153,566 NA NA NA
Tier 2 Capital($000) NA 8,200 NA NA NA
Total Capital($000) NA 161,766 NA NA NA
Total Risk-weighted Assets($000) NA 1,268,217 NA NA NA
Tier 1 Common Capital (CET1) Ratio(%) 12.43 12.11 32 bp 12.45 (2) bp
Tier 1 Ratio(%) 12.43 12.11 32 bp 12.45 (2) bp
Total Capital Ratio(%) 13.06 12.76 30 bp 13.12 (6) bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.03 8.71 32 bp 8.91 12 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 7,877,980 7,911,598 (0.42) 7,892,214 (0.72)
Avg Diluted Shares(actual) 8,089,876 8,085,596 0.05 8,088,341 0.08
Basic Book Value per Share 26.42 24.26 8.90 25.65 12.01
Book Value per Share, As Reported NA NA NA 25.65 NA
Basic Tangible Book Value per Share 20.27 18.13 11.80 19.51 15.58
Common Dividends Declared per Share 0.26 0.26 0 0.26 0
EPS after Extra 0.52 0.41 26.83 0.43 83.72
EPS after Extra Growth(%) 26.80 (14.60) 4,141 bp 0 2,683 bp
Core EPS 0.52 0.42 23.81 0.43 83.72
Core EPS Growth(%) 25.40 (11.60) 3,705 bp (0.20) 2,558 bp
Diluted EPS before Amortization 0.52 0.41 26.83 0.43 83.72
Pre-Provision Earnings per Share 0.45 0.39 15.38 0.38 73.68

   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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