Financial Highlights
2019 FQ2 YTD
6/30/2019
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 289,347 266,361 229,039 194,382 171,382
Total Net Loans 219,854 207,178 182,967 152,764 135,438
Total Deposits 256,163 232,293 196,615 161,092 136,111
Equity Attributable to Parent Company 23,951 22,065 17,711 15,661 14,663
Total Equity 23,951 22,065 17,711 15,661 14,663
Profitability (%)
Net Income($000) 1,696 2,776 1,638 1,353 918
Net Income Attributable to Parent($000) 1,696 2,776 1,638 1,353 918
ROAA 1.25 1.13 0.77 0.73 0.54
Core ROAA 1.25 1.13 0.96 0.73 0.54
ROAE 14.76 13.72 9.76 8.92 6.44
ROATCE 14.76 13.72 9.76 8.92 6.44
Core ROAE 14.76 13.72 12.15 8.92 6.44
Net Interest Margin 4.35 4.18 3.99 3.78 3.74
Reported: Net Interest Margin 4.35 4.18 3.99 3.78 3.74
Efficiency Ratio 57.69 62.38 60.55 68.45 76.55
Noninterest Inc/ Operating Rev 13.09 6.71 13.12 11.14 14.13
Balance Sheet Ratios (%)
Loans/ Deposits 86.74 90.11 94 93.37 100.70
Securities/ Assets NA NA NA NA NA
Total Equity/ Total Assets 8.28 8.28 7.73 8.06 8.56
Tangible Equity/ Tangible Assets 8.28 8.28 7.73 8.06 8.56
Tang Common Equity/ Tang Assets 8.28 8.28 7.73 8.06 8.56
Asset Quality (%)
NPAs/ Assets NA 0 0 NA NA
NPA Excl Restructured/ Assets NA 0 0 NA NA
NPAs & 90+ PD/ Assets NA 0 0 NA NA
NPAs/ Loans & REO NA 0 0 NA NA
Nonaccrual & 90+ & OREO/ Assets NA 0 0 NA NA
NPAs & 90+ PD/ Loans & REO NA 0 0 NA NA
NPA & Loans 90+/ Tangible Common Equity + LLR NA 0 0 NA NA
NCOs/ Avg Loans 0.01 0 (0.01) 0 (0.01)
Loan Loss Reserves/ Gross Loans 1.06 1.03 1 1.05 1.18
Reserves/ NPAs NA NM NM NA NA
Loan Loss Provision/ NCO NM NM NM NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA NA NA NA NA
Tier 1 Capital($000) NA NA NA NA NA
Tier 2 Capital($000) NA NA NA NA NA
Total Capital($000) NA NA NA NA NA
Total Risk-weighted Assets($000) NA NA NA NA NA
Tier 1 Common Capital (CET1) Ratio(%) NA NA NA NA NA
Tier 1 Ratio(%) NA NA NA NA NA
Total Capital Ratio(%) NA NA NA NA NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA NA NA NA NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 1,433,333 1,418,059 1,265,976 1,214,031 1,252,178
Avg Diluted Shares(actual) 1,518,216 1,508,684 1,363,429 1,330,522 1,343,211
Basic Book Value per Share 16.71 15.56 13.99 12.90 11.71
Book Value per Share, As Reported 16.71 15.56 13.99 12.90 11.71
Basic Tangible Book Value per Share 16.71 15.56 13.99 12.90 11.71
Tangible Book Value per Share, As Reported 16.71 15.56 13.99 12.90 11.71
Common Dividends Declared per Share 0 0 0 0 0
EPS after Extra 1.12 1.84 1.20 1.02 0.68
EPS after Extra Growth(%) 34.90 53.30 17.60 50 19.30
Core EPS 1.12 1.84 1.49 1.02 0.68
Core EPS Growth(%) 34.90 23.20 46.40 50 30.70
Diluted EPS before Amortization 1.12 1.84 1.20 1.02 0.68
Pre-Provision Earnings per Share 1.35 2.04 1.75 1.12 0.75
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