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Financial Highlights
2019 FQ3 YTD
9/30/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
Balance Sheet ($000)
Total Assets 309,269 556,647 544,134 280,158 215,029
Total Net Loans 222,150 423,146 441,831 226,717 176,412
Total Deposits 231,852 432,917 392,734 216,820 177,937
Equity Attributable to Parent Company 66,519 78,061 65,579 27,954 24,147
Total Equity 66,519 78,061 65,579 27,954 24,147
Profitability (%)
Net Income($000) 9,348 12,136 2,892 1,800 4,001
Net Income Attributable to Parent($000) 9,348 12,136 2,892 1,800 4,001
ROAA 2.90 2.24 0.83 0.74 2.02
Core ROAA (0.22) 0.91 1.45 1.21 2.02
ROAE 16.32 16.41 6.70 7 18.20
ROATCE NA 25.60 8.41 7 18.20
Core ROAE (1.24) 6.69 11.67 11.33 18.20
Net Interest Margin 4.17 4.41 4.53 4.39 3.86
Reported: Net Interest Margin 4.18 4.41 6.05 5.87 3.88
Efficiency Ratio 96.16 74.85 67.37 75.05 75.62
Noninterest Inc/ Operating Rev 37.14 41.71 45.02 63.23 75.45
Balance Sheet Ratios (%)
Loans/ Deposits 91.29 94.84 96.39 78.46 92.20
Securities/ Assets NA NA NA 2.52 3.69
Total Equity/ Total Assets 21.51 14.02 12.05 9.98 11.23
Tangible Equity/ Tangible Assets NA 8.97 10.52 9.98 11.23
Tang Common Equity/ Tang Assets NA 8.97 10.52 9.98 11.23
Asset Quality (%)
NPAs/ Assets NA NA NA 2.37 NA
NPA Excl Restructured/ Assets 2.21 1.35 1.16 1.54 1.67
NPAs & 90+ PD/ Assets NA NA NA 2.37 NA
NPAs/ Loans & REO NA NA NA 2.89 NA
Nonaccrual & 90+ & OREO/ Assets 2.21 1.41 1.29 1.54 2.02
NPAs & 90+ PD/ Loans & REO NA NA NA 2.89 NA
NPA & Loans 90+/ Tangible Common Equity + LLR NA NA NA 21.96 NA
NCOs/ Avg Loans 0.17 0.32 0.38 0.42 0.15
Loan Loss Reserves/ Gross Loans 1.53 0.94 0.77 1.01 1.03
Reserves/ NPAs NA NA NA 34.87 NA
Loan Loss Provision/ NCO 214.65 141.52 203.84 157.96 194.74
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA NA NA 27,469 NA
Tier 1 Capital($000) NA NA NA 27,469 NA
Tier 2 Capital($000) NA NA NA 2,318 NA
Total Capital($000) NA NA NA 29,787 NA
Total Risk-weighted Assets($000) NA NA NA 212,537 NA
Tier 1 Common Capital (CET1) Ratio(%) NA NA NA 12.92 13.59
Tier 1 Ratio(%) NA NA NA 12.92 13.59
Total Capital Ratio(%) NA NA NA 14.01 14.63
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA NA NA 10.33 11.24
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 2,227,696 3,020,517 2,952,088 1,463,105 1,364,948
Avg Diluted Shares(actual) 3,115,000 3,095,234 1,880,845 1,448,563 1,416,056
Basic Book Value per Share 29.86 25.84 22.21 19.11 17.69
Book Value per Share, As Reported 29.86 25.52 22.21 19.11 17.69
Basic Tangible Book Value per Share NA 15.62 19.07 19.11 17.69
Tangible Book Value per Share, As Reported 20.57 15.68 19.07 19.11 17.69
Common Dividends Declared per Share 0 0 0 0 0
EPS after Extra 2.47 3.92 1.54 1.24 2.83
EPS after Extra Growth(%) (31.40) 154.50 24.20 (56.20) (7.50)
Core EPS (0.19) 1.60 2.68 2.01 2.83
Core EPS Growth(%) NM (40.40) 33.60 (29) NA
Diluted EPS before Amortization NA 4.29 1.67 1.24 2.83
Pre-Provision Earnings per Share 0.15 2.03 2.81 2.81 3.19
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