Financial Highlights
2019 FQ1 YTD
3/31/2019
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 266,032 266,361 229,039 194,382 171,382
Total Net Loans 212,241 207,178 182,967 152,764 135,438
Total Deposits 230,975 232,293 196,615 161,092 136,111
Equity Attributable to Parent Company 22,961 22,065 17,711 15,661 14,663
Total Equity 22,961 22,065 17,711 15,661 14,663
Profitability (%)
Net Income($000) 785 2,776 1,638 1,353 918
Net Income Attributable to Parent($000) 785 2,776 1,638 1,353 918
ROAA 1.18 1.13 0.77 0.73 0.54
Core ROAA 1.18 1.13 0.96 0.73 0.54
ROAE 13.95 13.72 9.76 8.92 6.44
ROATCE 13.95 13.72 9.76 8.92 6.44
Core ROAE 13.95 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 59.44 62.38 60.55 68.45 76.55
Noninterest Inc/ Operating Rev 11 6.71 13.12 11.14 14.13
Balance Sheet Ratios (%)
Loans/ Deposits 92.86 90.11 94 93.37 100.70
Securities/ Assets NA NA NA NA NA
Total Equity/ Total Assets 8.63 8.28 7.73 8.06 8.56
Tangible Equity/ Tangible Assets 8.63 8.28 7.73 8.06 8.56
Tang Common Equity/ Tang Assets 8.63 8.28 7.73 8.06 8.56
Asset Quality (%)
NPAs/ Assets 0 0 0 NA NA
NPA Excl Restructured/ Assets 0 0 0 NA NA
NPAs & 90+ PD/ Assets 0 0 0 NA NA
NPAs/ Loans & REO 0 0 0 NA NA
Nonaccrual & 90+ & OREO/ Assets 0 0 0 NA NA
NPAs & 90+ PD/ Loans & REO 0 0 0 NA NA
NPA & Loans 90+/ Tangible Common Equity + LLR 0 0 0 NA NA
NCOs/ Avg Loans 0.01 0 (0.01) 0 (0.01)
Loan Loss Reserves/ Gross Loans 1.04 1.03 1 1.05 1.18
Reserves/ NPAs NM 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) 1,433,271 1,418,059 1,265,976 1,214,031 1,252,178
Avg Diluted Shares(actual) 1,516,515 1,508,684 1,363,429 1,330,522 1,343,211
Basic Book Value per Share 16.02 15.56 13.99 12.90 11.71
Book Value per Share, As Reported 16.02 15.56 13.99 12.90 11.71
Basic Tangible Book Value per Share 16.02 15.56 13.99 12.90 11.71
Tangible Book Value per Share, As Reported 16.02 15.56 13.99 12.90 11.71
Common Dividends Declared per Share 0 0 0 0 0
EPS after Extra 0.52 1.84 1.20 1.02 0.68
EPS after Extra Growth(%) 33.30 53.30 17.60 50 19.30
Core EPS 0.52 1.84 1.49 1.02 0.68
Core EPS Growth(%) 33.30 23.20 46.40 50 30.70
Diluted EPS before Amortization 0.52 1.84 1.20 1.02 0.68
Pre-Provision Earnings per Share 0.63 2.04 1.75 1.12 0.75
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