Financial Highlights

Financial Highlights
2020 FQ2 YTD
6/30/2020
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 2,071,005 1,886,545 1,807,480 1,709,205 1,611,587
Total Net Loans 1,597,625 1,495,872 1,470,663 1,384,790 1,257,327
Total Deposits 1,807,642 1,590,564 1,495,280 1,384,507 1,264,177
Equity Attributable to Parent Company 191,835 191,168 178,746 164,219 154,957
Total Equity 191,835 191,168 178,746 164,219 154,957
Profitability (%)
Net Income($000) 61 18,647 19,542 12,004 13,102
Net Income Attributable to Parent($000) 61 18,647 19,542 12,004 13,102
ROAA 0.01 1.01 1.11 0.72 0.88
Core ROAA 0 1.01 1.11 0.89 0.88
ROAE 0.06 9.98 11.42 7.40 8.47
ROATCE 0.07 10.12 11.58 7.51 8.69
Core ROAE 0.01 9.99 11.42 9.07 8.39
Net Interest Margin 3.23 3.66 3.84 3.84 3.89
Reported: Net Interest Margin 3.25 3.66 3.84 3.84 3.89
Efficiency Ratio 68.74 65.23 64.09 62.62 64.33
Noninterest Inc/ Operating Rev 18.55 17.88 17.24 16.12 15.51
Balance Sheet Ratios (%)
Loans/ Deposits 88.58 94.63 99.36 101.10 100.52
Securities/ Assets 7.84 8.72 8.62 9.67 12.53
Total Equity/ Total Assets 9.26 10.13 9.89 9.61 9.62
Tangible Equity/ Tangible Assets 9.15 10.01 9.76 9.49 9.48
Tang Common Equity/ Tang Assets 9.15 10.01 9.76 9.49 9.48
Asset Quality (%)
NPAs/ Assets 1.03 1.44 1.43 0.50 0.59
NPA Excl Restructured/ Assets 0.96 1.35 1.26 0.31 0.36
NPAs & 90+ PD/ Assets 1.09 1.45 1.55 0.51 0.63
NPAs/ Loans & REO 1.32 1.79 1.73 0.61 0.74
Nonaccrual & 90+ & OREO/ Assets 1.01 1.37 1.38 0.31 0.41
NPAs & 90+ PD/ Loans & REO 1.39 1.81 1.88 0.62 0.80
NPA & Loans 90+/ Tangible Common Equity + LLR 10.70 13.08 14.32 4.86 6.09
NCOs/ Avg Loans 1.55 0.04 0.02 0.18 0.06
Loan Loss Reserves/ Gross Loans 1.30 1.39 1.28 1.19 1.18
Reserves/ NPAs 98.20 77.61 74.08 193.79 158.09
Loan Loss Provision/ NCO 99.77 464.02 NM 168.48 421.35
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 184,862 187,312 178,656 162,860 153,762
Tier 1 Capital($000) 194,862 197,312 188,656 172,860 163,762
Tier 2 Capital($000) 18,018 18,842 18,384 16,689 14,992
Total Capital($000) 212,880 216,154 207,040 189,549 178,754
Total Risk-weighted Assets($000) 1,438,615 1,504,514 1,470,420 1,405,956 1,294,046
Tier 1 Common Capital (CET1) Ratio(%) 12.85 12.45 12.15 11.58 11.88
Tier 1 Ratio(%) 13.55 13.11 12.83 12.29 12.66
Total Capital Ratio(%) 14.80 14.36 14.08 13.48 13.81
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.50 10.55 10.46 10.26 10.76
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 9,787,598 9,755,976 9,924,124 9,818,922 9,755,159
Avg Diluted Shares(actual) 9,798,000 9,929,659 9,953,229 9,894,628 9,777,719
Basic Book Value per Share 19.60 19.59 18.01 16.72 15.88
Book Value per Share, As Reported 19.60 19.59 18.01 16.72 15.88
Basic Tangible Book Value per Share 19.34 19.33 17.75 16.49 15.65
Tangible Book Value per Share, As Reported 19.36 19.36 17.78 16.49 15.65
Common Dividends Declared per Share 0.32 0.60 0.56 0.47 0.43
EPS after Extra 0.01 1.88 1.96 1.21 1.34
EPS after Extra Growth(%) (98.90) (4.20) 62.10 (9.90) (6.70)
Core EPS 0 1.88 1.96 1.48 1.33
Core EPS Growth(%) (99.80) (4.10) 32.30 11.50 (7.50)
Diluted EPS before Amortization 0.01 1.88 1.96 1.21 1.34
Pre-Provision Earnings per Share 1.52 2.08 2.18 1.70 1.45
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