Financial Highlights/Balance Sheet

Financial Highlights
2019 FQ1
3/31/2019
2018 FQ1
3/31/2018
Y-Y Ch (%)
2018 FQ4
12/31/2018
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 356,650 340,964 4.60 368,736 (13.11)
Total Net Loans 277,119 255,744 8.36 274,874 3.27
Total Deposits 322,482 310,540 3.85 334,738 (14.65)
Equity Attributable to Parent Company 28,689 24,751 15.91 27,575 16.16
Total Equity 28,689 24,751 15.91 27,575 16.16
Profitability (%)
Net Income($000) 992 957 3.66 1,125 (47.29)
Net Income Attributable to Parent($000) 992 957 3.66 1,125 (47.29)
ROAA 1.09 1.12 (3) bp 1.21 (12) bp
Core ROAA NA 1.12 NA 1.21 NA
ROAE 14.10 15.70 (160) bp 16.67 (257) bp
ROATCE 14.10 15.70 (160) bp 16.67 (257) bp
Core ROAE NA 15.70 NA 16.67 NA
Net Interest Margin NA NA NA NA NA
Reported: Net Interest Margin NA NA NA NA NA
Efficiency Ratio 65.91 66.49 (58) bp 61.24 467 bp
Noninterest Inc/ Operating Rev 12.81 19.11 (630) bp 10.96 185 bp
Balance Sheet Ratios (%)
Loans/ Deposits 87.17 83.53 364 bp 83.14 403 bp
Securities/ Assets NA NA NA 9.55 NA
Total Equity/ Total Assets 8.04 7.26 78 bp 7.48 56 bp
Tangible Equity/ Tangible Assets 8.04 7.26 78 bp 7.48 56 bp
Tang Common Equity/ Tang Assets 8.04 7.26 78 bp 7.48 56 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 NA 0 NA (0.01) NA
Loan Loss Reserves/ Gross Loans 1.46 1.41 5 bp 1.45 1 bp
Reserves/ NPAs NA NA NA NA NA
Loan Loss Provision/ NCO NA NM NA NM NA
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) 1,945,337 1,924,157 1.10 1,945,337 0
Avg Diluted Shares(actual) 1,945,098 1,914,000 1.62 2,008,929 (12.71)
Basic Book Value per Share 14.75 12.86 14.70 14.17 16.37
Book Value per Share, As Reported 14.75 12.86 14.70 14.17 16.37
Basic Tangible Book Value per Share 14.75 12.86 14.70 14.17 16.37
Tangible Book Value per Share, As Reported 14.75 12.86 14.70 14.17 16.37
Common Dividends Declared per Share 0.07 0.07 16.67 0.07 0
EPS after Extra 0.51 0.50 2 0.56 (35.71)
EPS after Extra Growth(%) 2 38.90 (3,689) bp 166.70 (16,467) bp
Core EPS NA 0.50 NA 0.56 NA
Core EPS Growth(%) NA 38.90 NA 13.10 NA
Diluted EPS before Amortization 0.51 0.50 2 0.56 (35.71)
Pre-Provision Earnings per Share 0.56 0.53 5.66 0.65 (55.38)

   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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