FINANCIAL HIGHLIGHTS
Per Share Information ($)
Financial Highlights
|
Period Ended
|
2020 FQ1 YTD
3/31/2020
|
2019 FY
12/31/2019
|
2018 FY
12/31/2018
|
2017 FY
12/31/2018
|
2016 FY
12/31/2017
|
|
Balance Sheet ($000)
|
|
Total Assets
|
449,3352
|
452,850
|
400,953
|
380,832
|
353,259
|
|
Total Net Loans
|
351,837
|
345,978
|
306,029
|
285,870
|
269,876
|
|
Total Net Assets
|
356,975
|
361,190
|
331,854
|
315,043
|
284,032
|
|
Equity Attributable to Parent Company
|
45,247
|
45,867
|
40,651
|
37,385
|
35,217
|
|
Total Equity
|
45,247
|
45,867
|
40,651
|
37,385
|
35,217
|
|
Profitability (%)
|
|
Net Income($000)
|
815
|
4,056
|
4,149
|
3,453
|
3,048
|
|
Net Income Attributable to Parent($000)
|
815
|
4,056
|
4,149
|
3,453
|
3,048
|
|
ROAA
|
0.72
|
0.93
|
1.05
|
0.94
|
0.90
|
|
Core ROAA
|
0.72
|
0.93
|
1.05
|
0.94
|
0.90
|
|
ROAE
|
7.03
|
9.39
|
10.74
|
9.54
|
11.76
|
|
ROATCE
|
NA
|
9.32
|
10.66
|
9.54
|
11.77
|
|
Core ROAE
|
NA
|
7.83
|
10.74
|
9.56
|
11.76
|
|
Net Interest Margin
|
3.36
|
3.40
|
3.51
|
3.51
|
3.65
|
|
Reported: Net Interest Margin
|
3.36
|
3.40
|
3.44
|
3.77
|
3.65 |
|
Efficiency Ratio
|
76.65
|
75.25
|
68.81
|
70.28
|
69.49
|
|
Noninterest Inc/ Operating Rev
|
29.75
|
26.35
|
28.69
|
28.30
|
26.72
|
|
Balance Sheet Ratios (%)
|
|
Loans/ Deposits
|
99.33
|
96.95
|
93.35
|
91.62
|
96.05
|
|
Securities/ Assets
|
13.29
|
13.33
|
14.42
|
14.14
|
14.45
|
|
Total Equity/ Total Assets
|
10.07
|
10.13
|
10.14
|
9.82
|
9.97
|
|
Tangible Equity/ Tangible Assets
|
10.07
|
10.13
|
10.14
|
9.82
|
9.97
|
|
Tang Common Equity/ Tang Assets
|
10.04
|
10.10
|
10.11
|
9.78
|
9.93
|
|
Asset Quality (%)
|
|
NPAs/ Assets
|
NA
|
NA
|
NA
|
1.19
|
NA
|
|
NPA Excl Restructured/ Assets
|
NA
|
0.49
|
0.51
|
1.09
|
0.93
|
|
NPAs & 90+ PD/ Assets
|
NA
|
NA
|
NA
|
1.19
|
NA
|
|
NPAs/ Loans & REO
|
NA
|
NA
|
NA
|
1.56
|
NA
|
|
Nonaccrual & 90+ & OREO/ Assets
|
NA
|
0.58
|
0.61
|
1.10
|
0.95
|
|
NPAs & 90+ PD/ Loans & REO
|
NA
|
NA
|
NA
|
1.57
|
NA
|
|
NPA & Loans 90+/ Tangible Common Equity + LLR
|
NA
|
NA
|
NA
|
11.12
|
NA
|
|
NCOs/ Avg Loans
|
0.42
|
3.40
|
3.51
|
3.51
|
3.65
|
|
Loan Loss Reserves/ Gross Loans
|
1.20
|
1.24
|
1.26
|
1.20
|
1.18 |
|
Reserves/ NPAs
|
NA
|
NA
|
NA
|
76.86
|
NA
|
|
Loan Loss Provision/ NCO
|
79.13
|
202.05
|
227.58
|
182.87
|
471.70
|
|
Capital Adequacy
|
|
Tier 1 Common Capital (CET1)($000)
|
NA
|
NA
|
NA
|
35,422
|
33,469
|
|
Tier 1 Capital($000)
|
NA
|
NA
|
NA
|
35,422
|
33,469
|
|
Tier 2 Capital($000)
|
NA
|
NA
|
NA
|
3,596
|
3,359
|
|
Total Capital($000)
|
NA
|
NA
|
NA
|
39,1018
|
36,828
|
|
Total Risk-weighted Assets($000)
|
NA
|
NA
|
NA
|
285,371
|
263,5358
|
|
Tier 1 Common Capital (CET1) Ratio(%)
|
NA
|
NA
|
NA
|
12.41
|
12.70
|
|
Tier 1 Ratio(%)
|
NA
|
NA
|
NA
|
12.41
|
12.70
|
|
Total Capital Ratio(%)
|
NA
|
NA
|
NA
|
13.67
|
13.90
|
|
Liquidity Coverage Ratio(%)
|
NA
|
NA
|
NA
|
NA
|
NA |
|
Leverage Ratio(%)
|
NA
|
NA
|
NA
|
9.45
|
9.50
|
|
Basel III Leverage Ratio(%)
|
NA
|
NA
|
NA
|
NA
|
NA
|
|
Per Share Information ($)
|
|
Common Shares Outstanding(actual)
|
559,136
|
559,136
|
559,136
|
558,689
|
574,335
|
|
Avg Diluted Shares(actual)
|
559,136
|
559,136
|
559,136
|
562,649
|
575,094
|
|
Basic Book Value per Share
|
80.70
|
81.81
|
72.48
|
66.69
|
61.10
|
|
Book Value per Share, As Reported
|
80.92
|
82.03
|
72.70
|
66.92
|
61.32
|
|
Basic Tangible Book Value per Share
|
80.70
|
81.81
|
72.48
|
66.69
|
61.10
|
|
Tangible Book Value per Share, As Reported
|
80.92
|
82.03
|
72.70
|
66.92
|
61.32
|
|
Common Dividends Declared per Share
|
0.26
|
1
|
0.95
|
0.85
|
NA
|
|
EPS after Extra
|
1.46
|
7.22
|
7.40
|
6.13
|
5.30
|
|
EPS after Extra Growth(%)
|
19.70
|
(2.40)
|
20.70
|
15.70
|
16 |
|
Core EPS
|
NA
|
6.02
|
7.40
|
6.15
|
5.30
|
|
Core EPS Growth(%)
|
NA
|
(18.60)
|
20.40
|
16
|
NA
|
|
Diluted EPS before Amortization
|
NA
|
7.22
|
7.40
|
6.13
|
5.30
|
|
Pre-Provision Earnings per Share
|
NA
|
6.63
|
7.95
|
5.84
|
5.50
|
|