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Financial Highlights
2020 FQ1 YTD
3/31/2020
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 312,246 314,191 556,647 544,134 280,158
Total Net Loans 223,355 232,201 423,146 441,831 226,717
Total Deposits 221,419 220,442 432,917 392,734 216,820
Equity Attributable to Parent Company 67,010 67,725 78,061 65,579 27,954
Total Equity 67,010 67,725 78,061 65,579 27,954
Profitability (%)
Net Income($000) (832) 10,869 12,136 2,892 1,800
Net Income Attributable to Parent($000) (832) 10,869 12,136 2,892 1,800
ROAA (1.06) 2.72 2.24 0.83 0.74
Core ROAA (1.05) 1.81 1.45 1.17 1.21
ROAE (4.86) 14.68 16.41 6.70 7
ROATCE NA 24.10 25.60 8.41 7
Core ROAE (4.79) 9.78 10.62 9.41 11.33
Net Interest Margin 5.64 3.88 3.02 4.53 4.39
Reported: Net Interest Margin 5.72 NA NA 6.05 5.87
Efficiency Ratio 71.44 63.03 60.61 71.57 75.05
Noninterest Inc/ Operating Rev 55.14 55.96 52.55 41.60 63.23
Balance Sheet Ratios (%)
Loans/ Deposits 97.74 101.37 94.84 96.39 78.46
Securities/ Assets NA 6.71 3.83 NA 2.52
Total Equity/ Total Assets 21.46 21.56 14.02 12.05 9.98
Tangible Equity/ Tangible Assets NA 15.96 8.97 10.52 9.98
Tang Common Equity/ Tang Assets NA 15.96 8.97 10.52 9.98
Asset Quality (%)
NPAs/ Assets NA NA NA NA 2.37
NPA Excl Restructured/ Assets 4.16 4.01 1.35 1.16 1.54
NPAs & 90+ PD/ Assets NA NA NA NA 2.37
NPAs/ Loans & REO NA NA NA NA 2.89
Nonaccrual & 90+ & OREO/ Assets 4.16 4.01 1.41 1.29 1.54
NPAs & 90+ PD/ Loans & REO NA NA NA NA 2.89
NPA & Loans 90+/ Tangible Common Equity + LLR NA NA NA NA 21.96
NCOs/ Avg Loans 4.22 0.40 0.32 0.38 0.42
Loan Loss Reserves/ Gross Loans 2.15 1.63 0.94 0.77 1.01
Reserves/ NPAs NA NA NA NA 34.87
Loan Loss Provision/ NCO 144.77 169.02 83.12 203.84 157.96
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA NA NA NA 27,469
Tier 1 Capital($000) NA NA NA NA 27,469
Tier 2 Capital($000) NA NA NA NA 2,318
Total Capital($000) NA NA NA NA 29,787
Total Risk-weighted Assets($000) NA NA NA NA 212,537
Tier 1 Common Capital (CET1) Ratio(%) NA NA NA NA 12.92
Tier 1 Ratio(%) NA NA NA NA 12.92
Total Capital Ratio(%) NA NA NA NA 14.01
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA NA NA NA 10.33
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 2,215,207 2,187,848 3,020,517 2,952,088 1,463,105
Avg Diluted Shares(actual) 2,232,000 2,687,868 3,095,234 1,880,845 1,448,563
Basic Book Value per Share 30.25 30.96 25.84 22.21 19.11
Book Value per Share, As Reported 30.25 30.78 25.52 22.21 19.11
Basic Tangible Book Value per Share NA 21.39 15.62 19.07 19.11
Tangible Book Value per Share, As Reported 20.88 21.27 15.68 19.07 19.11
Common Dividends Declared per Share 0 0 0 0 0
EPS after Extra (0.37) 4.04 3.92 1.54 1.24
EPS after Extra Growth(%) NM 3.10 154.50 24.20 (56.20)
Core EPS (0.36) 2.69 2.54 2.16 2.01
Core EPS Growth(%) NM 6.10 17.30 7.70 (29)
Diluted EPS before Amortization NA 4.39 4.29 1.67 1.24
Pre-Provision Earnings per Share 0.84 3.07 2.77 2.29 2.81
Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.