Financial Highlights/Balance Sheet

Financial Highlights
2019 FQ4
12/31/2019
2018 FQ3
9/30/2018
Y-Y Ch (%)
2019 FQ2
6/30/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 368,024 372,707 (1.26) 360,721 8.10
Total Net Loans 273,784 273,294 0.18 272,463 1.94
Total Deposits 325,718 340,424 (4.32) 325,758 (0.05)
Equity Attributable to Parent Company 31,051 26,412 17.56 29,206 25.27
Total Equity 31,051 26,412 17.56 29,206 25.27
Profitability (%)
Net Income($000) 818 950 (13.89) 1,047 (87.49)
Net Income Attributable to Parent($000) 818 950 (13.89) 1,047 (87.49)
ROAA 0.88 1.05 (17) bp 1.17 (29) bp
Core ROAA NA 1.05 NA NA NA
ROAE 10.67 14.61 (394) bp 14.47 (380) bp
ROATCE 10.67 14.61 (394) bp 14.47 (380) bp
Core ROAE NA 14.61 NA NA NA
Net Interest Margin NA NA NA NA NA
Reported: Net Interest Margin NA NA NA NA NA
Efficiency Ratio 71.78 61.15 1,063 bp 65.77 601 bp
Noninterest Inc/ Operating Rev 14.50 13.59 91 bp 12.87 163 bp
Balance Sheet Ratios (%)
Loans/ Deposits 85.23 81.24 399 bp 84.66 57 bp
Securities/ Assets NA NA NA NA NA
Total Equity/ Total Assets 8.44 7.09 135 bp 8.10 34 bp
Tangible Equity/ Tangible Assets 8.44 7.09 135 bp 8.10 34 bp
Tang Common Equity/ Tang Assets 8.44 7.09 135 bp 8.10 34 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 0 bp
Loan Loss Reserves/ Gross Loans 1.51 1.44 7 bp 1.48 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) 1,927,997 (1.56)
Avg Diluted Shares(actual) 1,902,326 1,938,776 (1.88) 1,938,889 (7.54)
Basic Book Value per Share 16.17 13.58 19.07 15.15 26.93
Book Value per Share, As Reported 16.17 13.58 19.07 15.15 26.93
Basic Tangible Book Value per Share 16.17 13.58 19.07 15.15 26.93
Tangible Book Value per Share, As Reported 16.17 13.58 19.07 15.15 26.93
Common Dividends Declared per Share 0.07 0.07 0 0.07 0
EPS after Extra 0.43 0.49 (12.24) 0.54 (81.48)
EPS after Extra Growth(%) (23.20) 16.70 (3,988) bp (5.30) (1,795) bp
Core EPS NA 0.49 NA NA NA
Core EPS Growth(%) NA 16.70 NA NA NA
Diluted EPS before Amortization 0.43 0.49 (12.24) 0.54 (81.48)
Pre-Provision Earnings per Share 0.45 0.62 (27.42) 0.57 (84.21)

   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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