Financial Highlights/Balance Sheet

Financial Highlights
2020 FQ1
3/31/2020
2019 FQ1
3/31/2019
Y-Y Ch (%)
2019 FQ4
12/31/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 368,100 356,650 3.21 368,437 (0.37)
Total Net Loans 271,937 277,119 (1.87) 273,783 (2.70)
Total Deposits 325,464 322,482 0.92 325,718 (0.31)
Equity Attributable to Parent Company 31,600 28,689 10.15 31,051 7.07
Total Equity 31,600 28,689 10.15 31,051 7.07
Profitability (%)
Net Income($000) 529 992 (46.67) 818 (141.32)
Net Income Attributable to Parent($000) 529 992 (46.67) 818 (141.32)
ROAA 0.57 1.09 (52) bp 0.88 (31) bp
Core ROAA 0.57 1.09 (52) bp 0.88 (31) bp
ROAE 6.75 14.10 (735) bp 10.67 (392) bp
ROATCE 6.75 14.10 (735) bp 10.67 (392) bp
Core ROAE 6.75 14.10 (735) bp 10.67 (392) bp
Net Interest Margin NA NA NA NA NA
Reported: Net Interest Margin NA NA NA NA NA
Efficiency Ratio 73.07 65.91 716 bp 71.48 159 bp
Noninterest Inc/ Operating Rev 15.83 12.81 302 bp 10.30 553 bp
Balance Sheet Ratios (%)
Loans/ Deposits 84.60 87.17 (257) bp 85.23 (63) bp
Securities/ Assets NA NA NA 8.91 NA
Total Equity/ Total Assets 8.58 8.04 54 bp 8.43 15 bp
Tangible Equity/ Tangible Assets 8.58 8.04 54 bp 8.43 15 bp
Tang Common Equity/ Tang Assets 8.58 8.04 54 bp 8.43 15 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 0.01 (0.07) 8 bp 0 1 bp
Loan Loss Reserves/ Gross Loans 1.61 1.46 15 bp 1.51 10 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) 1,920,472 0
Avg Diluted Shares(actual) 1,889,286 1,945,098 (2.87) 2,210,811 (58.17)
Basic Book Value per Share 16.45 14.75 11.53 16.17 6.93
Book Value per Share, As Reported 16.45 14.75 11.53 16.17 6.93
Basic Tangible Book Value per Share 16.45 14.75 11.53 16.17 6.93
Tangible Book Value per Share, As Reported 16.45 14.75 11.53 16.17 6.93
Common Dividends Declared per Share 0.07 0.07 0 0.07 0
EPS after Extra 0.28 0.51 (45.10) 0.37 (97.30)
EPS after Extra Growth(%) (45.10) 2 (4,710) bp (33.90) (1,117) bp
Core EPS 0.28 0.51 (45.10) 0.37 (97.30)
Core EPS Growth(%) (45.10) 2 (4,710) bp (33.90) (1,117) bp
Diluted EPS before Amortization 0.28 0.51 (45.10) 0.37 (97.30)
Pre-Provision Earnings per Share 0.43 0.56 (23.21) 0.39 41.03

   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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