Financial Highlights

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 341,688 323,954 307,526 268,646 230,709
Total Net Loans 272,851 268,211 251,317 213,165 160,303
Total Deposits 261,999 244,056 232,921 214,766 184,527
Equity Attributable to Parent Company 40,655 45,215 44,993 43,304 45,545
Total Equity 40,655 45,215 44,993 43,304 45,545
Profitability (%)
Net Income($000) 584 1,770 1,804 1,422 658
Net Income Attributable to Parent($000) 584 1,770 1,804 1,422 658
ROAE 2.72 3.94 4.05 3.23 1.06
Net Interest Margin 2.39 2.41 2.42 2.36 2.20
Reported: Net Interest Margin 2.39 2.41 2.42 2.37 2.19
Noninterest Inc/ Operating Rev 6.80 3.45 3.68 3.85 4.93
Balance Sheet Ratios (%)
Loans/ Deposits 104.68 110.44 108.38 99.67 87.19
Securities/ Assets 8.38 8.68 9.20 12.21 19.76
Total Equity/ Total Assets 11.90 13.96 14.63 16.12 19.74
Tangible Equity/ Tangible Assets 11.90 13.96 14.63 16.12 19.74
Tang Common Equity/ Tang Assets 11.90 13.96 14.63 16.12 19.74
Asset Quality (%)
NPAs/ Assets NA 0.11 0.09 0 0.11
NPA Excl Restructured/ Assets NA 0.11 0.06 0 0.11
NPAs & 90+ PD/ Assets NA 0.11 0.09 0 0.11
NPAs/ Loans & REO NA 0.13 0.11 0 0.16
Nonaccrual & 90+ & OREO/ Assets NA 0.11 0.06 0 0.11
NPAs & 90+ PD/ Loans & REO NA 0.13 0.11 0 0.16
NPA & Loans 90+/ Tangible Common Equity + LLR NA 0.75 0.62 0.02 0.57
NCOs/ Avg Loans 0 0 0 0 0
Loan Loss Reserves/ Gross Loans 0.52 0.49 0.45 0.42 0.36
Reserves/ NPAs NA 380.17 393.75 NM 218.87
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
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