Financial Highlights/Balance Sheet

Financial Highlights
2019 FQ4
12/31/2019
2018 FQ4
12/31/2018
Y-Y Ch (%)
2019 FQ3
9/30/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 368,024 368,736 (0.19) 374,612 (7.03)
Total Net Loans 273,784 274,874 (0.40) 269,472 6.40
Total Deposits 325,718 334,738 (2.69) 333,266 (9.06)
Equity Attributable to Parent Company 31,051 27,575 12.61 30,280 10.18
Total Equity 31,051 27,575 12.61 30,280 10.18
Profitability (%)
Net Income($000) 818 1,125 (27.29) 1,257 (139.70)
Net Income Attributable to Parent($000) 818 1,125 (27.29) 1,257 (139.70)
ROAA 0.88 1.21 (33) bp 1.37 (49) bp
Core ROAA NA 1.21 NA NA NA
ROAE 10.67 16.67 (600) bp 16.90 (623) bp
ROATCE 10.67 16.67 (600) bp 16.90 (623) bp
Core ROAE NA 16.67 NA NA NA
Net Interest Margin NA NA NA NA NA
Reported: Net Interest Margin NA NA NA NA NA
Efficiency Ratio 71.78 61.24 1,054 bp 69.06 272 bp
Noninterest Inc/ Operating Rev 14.50 10.96 354 bp 14.40 10 bp
Balance Sheet Ratios (%)
Loans/ Deposits 85.23 83.14 209 bp 81.94 329 bp
Securities/ Assets NA 9.55 NA NA NA
Total Equity/ Total Assets 8.44 7.48 96 bp 8.08 36 bp
Tangible Equity/ Tangible Assets 8.44 7.48 96 bp 8.08 36 bp
Tang Common Equity/ Tang Assets 8.44 7.48 96 bp 8.08 36 bp
Asset Quality (%)
NPAs/ Assets NA NA NA NA NA
NPA Excl Restructured/ Assets NA NA NA NA NA
NPAs & 90+ PD/ Assets NA NA NA NA NA
NPAs/ Loans & REO NA NA NA NA NA
Nonaccrual & 90+ & OREO/ Assets NA NA NA NA NA
NPAs & 90+ PD/ Loans & REO NA NA NA NA NA
NPA & Loans 90+/ Tangible Common Equity + LLR NA NA NA NA NA
NCOs/ Avg Loans 0 (0.01) 1 bp (0.88) 88 bp
Loan Loss Reserves/ Gross Loans 1.51 1.45 6 bp 1.54 (3) bp
Reserves/ NPAs NA NA NA 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) 1,920,472 1,945,337 (1.28) 1,918,472 0.42
Avg Diluted Shares(actual) 1,902,326 2,008,929 (5.31) 1,904,545 (0.47)
Basic Book Value per Share 16.17 14.17 14.11 15.78 9.89
Book Value per Share, As Reported 16.17 14.17 14.11 15.78 9.89
Basic Tangible Book Value per Share 16.17 14.17 14.11 15.78 9.89
Tangible Book Value per Share, As Reported 16.17 14.17 14.11 15.78 9.89
Common Dividends Declared per Share 0.07 0.07 0 0.07 0
EPS after Extra 0.43 0.56 (23.21) 0.66 (139.39)
EPS after Extra Growth(%) (23.20) 166.70 (18,988) bp 34.70 (5,790) bp
Core EPS NA 0.56 NA NA NA
Core EPS Growth(%) NA 13.10 NA NA NA
Diluted EPS before Amortization 0.43 0.56 (23.21) 0.66 (139.39)
Pre-Provision Earnings per Share 0.45 0.65 (30.77) 0.52 (53.85)

   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.


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