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Financial Highlights Report
Financial Highlights
2015 FY
12/31/2015
2016 FY
12/31/2016
2017 FY
12/31/2017
2018 FY
12/31/2018
2019 FQ1 YTD
3/31/2019
Balance Sheet ($000)
Total Assets 735,139 787,821 1,106,336 1,248,398 1,280,935
Total Net Loans 528,432 603,176 916,486 985,278 998,508
Total Deposits 624,447 629,934 878,194 1,016,067 1,040,231
Equity Attributable to Parent Company 62,304 76,960 119,863 128,290 131,699
Total Equity 62,304 76,960 119,863 128,290 131,699
Profitability (%)
Net Income($000) 6,865 6,416 9,455 12,431 3,011
Net Income Attributable to Parent($000) 6,865 6,416 9,455 12,431 3,011
ROAA 0.97 0.85 0.88 1.09 1.00
Core ROAA 0.94 0.85 0.95 1.11 1.01
ROAE 10.62 9.33 8.52 9.94 9.23
ROATCE 11.49 10.05 10.28 11.83 10.89
Core ROAE 10.33 9.38 9.20 10.17 9.30
Net Interest Margin 3.94 3.80 3.82 3.77 3.65
Efficiency Ratio 64.65 66.65 61.14 63.47 65.06
Noninterest Inc/ Operating Rev 13.06 12.41 9.61 8.46 9.31
Balance Sheet Ratios (%)
Loans/ Deposits 85.47 96.70 105.13 97.64 96.56
Securities/ Assets 20.19 14.80 8.94 8.22 8.00
Total Equity/ Total Assets 8.48 9.77 10.83 10.28 10.28
Tangible Equity/ Tangible Assets 7.89 9.24 9.37 9.00 9.05
Tang Common Equity/ Tang Assets 7.89 9.24 9.37 9.00 9.05
Asset Quality (%)
NPAs/ Assets 1.59 1.65 1.23 0.79 1.12
NPA Excl Restructured/ Assets 1.22 0.87 0.78 0.55 0.83
NPAs & 90+ PD/ Assets 1.59 1.65 1.23 0.87 1.12
NPAs/ Loans & REO 2.18 2.12 1.47 1.00 1.43
Nonaccrual & 90+ & OREO/ Assets 1.22 0.87 0.78 0.63 0.83
NPAs & 90+ PD/ Loans & REO 2.18 2.12 1.47 1.09 1.43
NPA & Loans 90+/ Tangible Common Equity + LLR 18.23 16.43 12.48 9.17 11.85
NCOs/ Avg Loans 0.16 0.06 0.05 0.06 0.18
Loan Loss Reserves/ Gross Loans 1.19 1.08 0.78 0.75 0.72
Reserves/ NPAs 54.70 50.84 52.76 75.06 50.05
Loan Loss Provision/ NCO 40.59 159.66 230.68 139.53 51.95
Capital Adequacy
Core Tier 1 Ratio(%) 12 13.07 10.79 9.65 11.09
Tier 1 Ratio(%) 12 13.07 11.64 10.35 11.87
Total Capital Ratio(%) 13.20 15.75 12.41 11 12.57
Leverage Ratio(%) 8.69 9.77 10.20 10.55 10.26
Per Share Information ($)
Ordinary Shares Outstanding(actual) 1,877,238 2,254,253 3,217,716 3,244,332 3,256,370
Avg Diluted Shares(actual) 2,024,120 2,119,214 3,052,585 3,243,907 3,255,284
Basic Book Value per Share 33.19 34.14 37.25 39.54 40.44
Book Value per Share, As Reported 33.19 34.14 37.25 39.54 40.44
Basic Tangible Book Value per Share 30.72 32.10 31.71 34.16 35.11
Tangible Book Value per Share, As Reported 30.72 32.10 31.71 34.16 35.11
Dividends Declared per Ordinary Share 1.07 1.08 1.08 1.17 0.28
EPS after Extra 3.39 3.03 3.10 3.83 0.92
Diluted EPS Growth(%) (3.10) (10.60) 2.30 23.50 15
Core EPS 3.30 3.05 3.35 3.92 0.93
Core EPS Growth(%) (3.90) (7.70) 9.90 17 13.30
Diluted EPS before Amortisation 3.41 3.05 3.22 3.94 0.95
Pre-Provision Earnings per Share 2.70 2.73 3.17 3.76 0.92
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.