Financial Highlights
2020 FQ2 YTD
6/30/2020
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
Balance Sheet ($000)
Total Assets 2,468,814 2,096,779 1,966,457 1,794,066
Total Net Loans 2,043,071 1,700,320 1,602,517 1,485,026
Total Deposits 1,710,375 1,530,379 1,455,299 1,394,331
Equity Attributable to Parent Company 197,562 194,156 180,707 169,278
Total Equity 197,562 194,156 180,707 169,278
Profitability (%)
Net Income($000) 6,601 23,324 16,303 11,905
Net Income Attributable to Parent($000) 6,601 23,324 16,303 11,905
ROAA 0.58 1.14 0.86 0.67
Core ROAA 0.64 1.14 0.86 0.82
ROAE 6.92 12.55 9.41 7.16
ROATCE 7.20 13.15 9.95 7.57
Core ROAE 7.55 12.59 9.43 8.73
Net Interest Margin 3.39 3.61 3.72 3.58
Reported: Net Interest Margin 3.39 3.61 3.72 3.58
Efficiency Ratio 68.37 71.18 72.44 69.80
Noninterest Inc/ Operating Rev 26.17 25.15 21.25 21.97
Balance Sheet Ratios (%)
Loans/ Deposits 120.26 112.04 111.16 107.69
Securities/ Assets 8.72 10.21 9.34 9.46
Total Equity/ Total Assets 8 9.26 9.19 9.44
Tangible Equity/ Tangible Assets 7.56 8.74 8.63 8.89
Tang Common Equity/ Tang Assets 7.56 8.74 8.63 8.89
Asset Quality (%)
NPAs/ Assets 1.03 1.13 1.43 1.55
NPA Excl Restructured/ Assets 1.03 1.12 1.42 1.53
NPAs & 90+ PD/ Assets 1.03 1.13 1.43 1.55
NPAs/ Loans & REO 1.23 1.37 1.72 1.85
Nonaccrual & 90+ & OREO/ Assets 1.03 1.12 1.42 1.53
NPAs & 90+ PD/ Loans & REO 1.23 1.37 1.72 1.85
NPA & Loans 90+/ Tangible Common Equity + LLR 11.98 11.73 14.82 15.68
NCOs/ Avg Loans 0.08 0.18 0.24 0.57
Loan Loss Reserves/ Gross Loans 1.33 1.13 1.26 1.25
Reserves/ NPAs 107.56 82.46 72.87 67.52
Loan Loss Provision/ NCO NM 69.73 143.39 74.17
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 187,638 184,409 171,142 159,157
Tier 1 Capital($000) 197,692 194,456 181,175 169,176
Tier 2 Capital($000) 49,584 44,573 47,150 45,325
Total Capital($000) 247,276 239,029 228,325 214,501
Total Risk-weighted Assets($000) 2,065,941 1,989,807 1,925,107 1,790,238
Tier 1 Common Capital (CET1) Ratio(%) 9.08 9.27 8.89 8.89
Tier 1 Ratio(%) 9.57 9.77 9.41 9.45
Total Capital Ratio(%) 11.97 12.01 11.85 11.98
Liquidity Coverage Ratio(%) NA NA NA NA
Leverage Ratio(%) 8.29 9.27 9.33 9.54
Basel III Leverage Ratio(%) NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 8,575,134 8,566,044 8,785,480 8,763,539
Avg Diluted Shares(actual) 8,379,696 8,515,375 8,640,198 8,612,770
Basic Book Value per Share 23.04 22.67 20.57 19.32
Book Value per Share, As Reported 23.04 22.67 20.57 19.32
Basic Tangible Book Value per Share 21.65 21.27 19.20 18.08
Tangible Book Value per Share, As Reported 21.65 21.27 19.20 17.87
Common Dividends Declared per Share 0.33 0.60 0.56 0.52
EPS after Extra 0.77 2.68 1.86 1.36
EPS after Extra Growth(%) (46.20) 44.10 36.80 (20.50)
Core EPS 0.84 2.69 1.86 1.66
Core EPS Growth(%) (41.20) 44.20 12.10 (17.80)
Diluted EPS before Amortization 0.77 2.68 1.87 1.37
Pre-Provision Earnings per Share 1.39 2.41 2.09 1.74
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