Skip to Content
Close Icon
Financial Highlights Report
Financial Highlights
2016 FY
12/31/2016
2017 FY
12/31/2017
2018 FY
12/31/2018
2019 FY
12/31/2019
2020 FQ2 YTD
6/30/2020
Balance Sheet ($000)
Total Assets 787,821 1,106,336 1,248,398 1,182,475 1,343,320
Total Net Loans 603,176 916,486 985,278 978,710 1,104,200
Total Deposits 629,934 878,194 1,016,067 1,020,843 1,158,267
Equity Attributable to Parent Company 76,960 119,863 128,290 137,775 140,695
Total Equity 76,960 119,863 128,290 137,775 140,695
Profitability (%)
Net Income($000) 6,416 9,455 12,431 12,711 4,007
Net Income Attributable to Parent($000) 6,416 9,455 12,431 12,711 4,007
ROAA 0.85 0.88 1.09 1.05 0.64
Core ROAA 0.85 0.95 1.11 1.06 0.67
ROAE 9.33 8.52 9.94 9.35 5.75
ROATCE 10.05 10.28 11.83 10.94 6.77
Core ROAE 9.38 9.20 10.17 9.38 6.09
Net Interest Margin 3.80 3.82 3.77 3.68 3.54
Efficiency Ratio 66.65 61.14 63.47 63.92 62.25
Noninterest Inc/ Operating Rev 12.41 9.61 8.54 9.91 11.50
Balance Sheet Ratios (%)
Loans/ Deposits 96.70 105.13 97.64 96.42 95.86
Securities/ Assets 14.80 8.94 8.22 9.33 8.83
Total Equity/ Total Assets 9.77 10.83 10.28 11.65 10.47
Tangible Equity/ Tangible Assets 9.24 9.37 9.00 10.35 9.33
Tang Common Equity/ Tang Assets 9.24 9.37 9.00 10.35 9.33
Asset Quality (%)
NPAs/ Assets 1.65 1.23 0.90 1.07 0.99
NPA Excl Restructured/ Assets 0.87 0.78 0.55 0.76 0.78
NPAs & 90+ PD/ Assets 1.65 1.23 0.98 1.07 0.99
NPAs/ Loans & REO 2.12 1.47 1.13 1.28 1.19
Nonaccrual & 90+ & OREO/ Assets 0.87 0.78 0.63 0.76 0.78
NPAs & 90+ PD/ Loans & REO 2.12 1.47 1.23 1.28 1.19
NPA & Loans 90+/ Tangible Common Equity + LLR 16.43 12.48 10.33 9.92 9.92
NCOs/ Avg Loans 0.06 0.05 0.06 0.16 0.06
Loan Loss Reserves/ Gross Loans 1.08 0.78 0.75 0.69 0.92
Reserves/ NPAs 50.84 52.76 65.94 53.57 76.82
Loan Loss Provision/ NCO 159.66 230.68 139.53 57.42 NM
Capital Adequacy
Core Tier 1 Ratio(%) 13.07 10.79 11.04 11.77 10.63
Tier 1 Ratio(%) 13.07 11.64 11.83 12.56 11.34
Total Capital Ratio(%) 15.75 12.41 12.57 13.23 12.24
Leverage Ratio(%) 9.77 10.20 10.35 10.23 10.28
Per Share Information ($)
Ordinary Shares Outstanding(actual) 4,508,506 6,435,432 6,488,664 6,423,630 6,369,467
Avg Diluted Shares(actual) 4,238,428 6,105,170 6,487,814 6,502,806 6,412,585
Basic Book Value per Share 17.07 18.63 19.77 21.45 22.09
Book Value per Share, As Reported 17.07 18.63 19.77 21.45 22.09
Basic Tangible Book Value per Share 16.05 15.86 17.08 18.78 19.43
Tangible Book Value per Share, As Reported 16.05 15.86 17.08 18.78 19.42
Dividends Declared per Ordinary Share 0.54 0.54 0.59 0.57 0.30
EPS after Extra 1.52 1.55 1.91 1.95 0.62
Diluted EPS Growth(%) (10.60) 2.30 23.20 2.10 (35.80)
Core EPS 1.52 1.67 1.95 1.96 0.66
Core EPS Growth(%) (7.70) 9.90 16.70 0.10 (31.50)
Diluted EPS before Amortisation 1.52 1.61 1.96 2.00 0.65
Pre-Provision Earnings per Share 1.37 1.59 1.87 1.93 1.04
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.