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 323,426 288,355 266,361 229,039 194,382
Total Net Loans 246,494 239,253 207,179 182,966 152,764
Total Deposits 268,015 253,381 232,293 196,615 161,092
Equity Attributable to Parent Company 26,112 25,825 22,064 17,711 15,661
Total Equity 26,112 25,825 22,064 17,711 15,661
Profitability (%)
Net Income($000) 47 3,452 2,776 1,638 1,353
Net Income Attributable to Parent($000) 47 3,452 2,776 1,638 1,353
ROAA 0.06 1.21 1.13 0.77 0.73
Core ROAA 0.06 1.21 1.13 0.97 0.73
ROAE 0.72 14.43 13.72 9.76 8.92
ROATCE 0.72 14.43 13.72 9.76 8.92
Core ROAE 0.72 14.43 13.72 12.18 8.92
Net Interest Margin 4.09 4.21 4.18 3.99 3.78
Reported: Net Interest Margin 4.09 4.21 4.18 3.99 3.78
Efficiency Ratio 58.65 58.07 62.38 60.56 68.45
Noninterest Inc/ Operating Rev 12.18 9.90 6.71 13.12 11.14
Balance Sheet Ratios (%)
Loans/ Deposits 93.41 95.37 90.12 94 93.37
Securities/ Assets NA NA 4.07 5.96 7.51
Total Equity/ Total Assets 8.07 8.96 8.28 7.73 8.06
Tangible Equity/ Tangible Assets 8.07 8.96 8.28 7.73 8.06
Tang Common Equity/ Tang Assets 8.07 8.96 8.28 7.73 8.06
Asset Quality (%)
NPAs/ Assets 0 0 0 0 NA
NPA Excl Restructured/ Assets 0 0 0 0 0.01
NPAs & 90+ PD/ Assets 0 0 0 0 NA
NPAs/ Loans & REO 0 0 0 0 NA
Nonaccrual & 90+ & OREO/ Assets 0 0 0 0 0.01
NPAs & 90+ PD/ Loans & REO 0 0 0 0 NA
NPA & Loans 90+/ Tangible Common Equity + LLR 0 0 0 0 NA
NCOs/ Avg Loans 0 0.04 0 (0.01) 0
Loan Loss Reserves/ Gross Loans 1.54 1 1.03 1 1.05
Reserves/ NPAs NM NM NM NM NA
Loan Loss Provision/ NCO NM 409.64 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) 1,481,041 1,452,041 1,418,041 1,266,256 1,214,256
Avg Diluted Shares(actual) 1,532,685 1,521,093 1,508,684 1,363,429 1,330,522
Basic Book Value per Share 17.63 17.79 15.56 13.99 12.90
Book Value per Share, As Reported 17.63 17.79 15.56 13.99 12.90
Basic Tangible Book Value per Share 17.63 17.79 15.56 13.99 12.90
Tangible Book Value per Share, As Reported 17.63 17.79 15.56 13.99 12.90
Common Dividends Declared per Share 0 0 0 0 0
EPS after Extra 0.03 2.27 1.84 1.20 1.02
EPS after Extra Growth(%) (94.20) 23.40 53.30 17.60 50
Core EPS 0.03 2.27 1.84 1.50 1.02
Core EPS Growth(%) (94.20) 23.40 22.90 46.70 50
Diluted EPS before Amortization 0.03 2.27 1.84 1.20 1.02
Pre-Provision Earnings per Share 0.67 2.65 2.04 1.75 1.12
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