Financial Highlights Report

Financial Highlights
2019 FQ2 YTD
6/30/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
Balance Sheet ($000)
Total Assets 1,184,764 1,100,613 807,951 575,711 478,250
Total Net Loans 983,574 917,125 654,339 463,926 398,291
Total Deposits 1,011,131 920,137 667,655 473,567 385,554
Equity Attributable to Parent Company 129,036 121,251 68,801 46,395 42,124
Total Equity 129,036 121,251 68,801 46,395 42,124
Profitability (%)
Net Income($000) 6,678 9,209 3,882 3,875 2,170
Net Income Attributable to Parent($000) 6,678 9,209 3,882 3,875 2,170
ROAA 1.18 0.97 0.60 0.75 0.53
Core ROAA 1.17 0.97 0.72 0.75 0.50
ROAE 10.67 10.38 7.45 8.76 5.32
ROATCE 10.67 10.38 7.45 8.76 5.32
Core ROAE 10.66 10.38 8.87 8.76 4.98
Net Interest Margin 3.50 3.41 3.48 3.78 3.96
Reported: Net Interest Margin 3.50 3.41 3.48 3.78 3.96
Efficiency Ratio 56.69 58.06 65.68 69.47 73.95
Noninterest Inc/ Operating Rev 10.52 9.41 9.58 7.60 6.29
Balance Sheet Ratios (%)
Loans/ Deposits 98.18 100.63 98.86 98.80 104.26
Securities/ Assets 7.62 8 10.28 11.72 11.92
Total Equity/ Total Assets 10.89 11.02 8.52 8.06 8.81
Tangible Equity/ Tangible Assets 10.89 11.02 8.52 8.06 8.81
Tang Common Equity/ Tang Assets 10.89 11.02 8.52 8.06 8.81
Asset Quality (%)
NPAs/ Assets 0.23 0.31 0.44 NA 0.13
NPA Excl Restructured/ Assets 0.10 0.18 0.25 0.05 0.13
NPAs & 90+ PD/ Assets 0.23 0.31 0.44 NA 0.13
NPAs/ Loans & REO 0.27 0.37 0.54 NA 0.15
Nonaccrual & 90+ & OREO/ Assets 0.10 0.18 0.25 0.06 0.13
NPAs & 90+ PD/ Loans & REO 0.28 0.37 0.54 NA 0.15
NPA & Loans 90+/ Tangible Common Equity + LLR 1.98 2.66 4.81 NA 1.36
NCOs/ Avg Loans 0.15 0 0.03 0.08 0.17
Loan Loss Reserves/ Gross Loans 0.93 0.95 0.86 0.85 0.92
Reserves/ NPAs 340.06 256.05 159.71 NA 604.60
Loan Loss Provision/ NCO 149.10 NM NM 185.88 260.42
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 128,009 121,621 68,834 46,603 42,276
Tier 1 Capital($000) 129,036 121,254 68,834 46,603 42,276
Tier 2 Capital($000) 22,949 22,474 19,453 17,280 3,682
Total Capital($000) 151,985 143,728 88,287 63,883 45,958
Total Risk-weighted Assets($000) 1,117,007 1,035,072 729,947 502,729 410,064
Tier 1 Common Capital (CET1) Ratio(%) 11.46 11.75 9.43 9.27 10.31
Tier 1 Ratio(%) 11.55 11.71 9.43 9.27 10.31
Total Capital Ratio(%) 13.61 13.89 12.09 12.71 11.21
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.26 11.30 9.23 8.65 8.93
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 8,250,259 8,177,978 5,745,487 4,488,994 4,437,403
Avg Diluted Shares(actual) 8,246,562 6,652,979 4,778,748 4,469,264 4,442,253
Basic Book Value per Share 15.64 14.83 11.97 10.34 9.49
Book Value per Share, As Reported 15.64 14.83 11.99 10.33 9.52
Basic Tangible Book Value per Share 15.64 14.83 11.97 10.34 9.49
Tangible Book Value per Share, As Reported 15.64 14.83 11.99 10.33 9.52
Common Dividends Declared per Share 0 0 0 0 0
EPS after Extra 0.81 1.38 0.81 0.87 0.49
EPS after Extra Growth(%) 47.30 70.50 (6.60) 78.40 (20.30)
Core EPS 0.81 1.38 0.96 0.87 0.45
Core EPS Growth(%) 47.20 43.20 11.20 90.60 (22.40)
Diluted EPS before Amortization 0.81 1.38 0.81 0.87 0.49
Pre-Provision Earnings per Share 0.89 1.71 1.10 0.89 0.63
Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.
Copyright 2019, © S&P Global Market Intelligence  Terms of Use