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OTCPK: YRKB

$ 15.00

Change: $ (0.45) (2.91)%
Volume: 100

Financial Highlights Report

Financial Highlights
2020 FQ1 YTD
3/31/2020
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
Balance Sheet ($000)
Total Assets 557,969 542,394 482,918 441,289 396,716
Total Net Loans 436,172 429,887 391,800 358,867 320,620
Total Deposits 477,105 459,343 395,179 363,089 322,317
Equity Attributable to Parent Company 59,218 56,942 50,080 45,319 32,223
Total Equity 59,218 56,942 50,080 45,319 32,223
Profitability (%)
Net Income($000) 1,172 5,217 4,728 3,394 2,900
Net Income Attributable to Parent($000) 1,172 5,217 4,728 3,394 2,900
ROAA 0.85 1.02 1.03 0.81 0.77
Core ROAA 0.78 1.02 1.05 0.84 0.76
ROAE 8.07 9.69 10.01 9.01 9.23
ROATCE 8.07 9.69 10.01 9.01 9.23
Core ROAE 7.44 9.70 10.18 9.37 9.08
Net Interest Margin 3.38 3.54 3.54 3.49 3.31
Reported: Net Interest Margin 3.41 3.54 3.54 3.49 3.31
Efficiency Ratio 72.65 71.37 70.23 70.88 71.17
Noninterest Inc/ Operating Rev 29.17 26.89 26.23 28.77 33.23
Balance Sheet Ratios (%)
Loans/ Deposits 86.41 89.13 95.89 95.99 94.71
Securities/ Assets 15.57 14.87 12.50 13.03 13.33
Total Equity/ Total Assets 10.61 10.50 10.37 10.27 8.12
Tangible Equity/ Tangible Assets 10.61 10.50 10.37 10.27 8.12
Tang Common Equity/ Tang Assets 10.61 10.50 10.37 10.27 8.12
Asset Quality (%)
NPAs/ Assets 0.54 0.51 0.80 0.78 1.04
NPA Excl Restructured/ Assets 0.28 0.22 0.41 0.64 0.81
NPAs & 90+ PD/ Assets 0.54 0.51 0.80 0.78 1.04
NPAs/ Loans & REO 0.68 0.64 0.97 0.95 1.27
Nonaccrual & 90+ & OREO/ Assets 0.28 0.22 0.41 0.64 0.81
NPAs & 90+ PD/ Loans & REO 0.68 0.64 0.97 0.95 1.27
NPA & Loans 90+/ Tangible Common Equity + LLR 4.75 4.55 7.14 7.02 11.66
NCOs/ Avg Loans 0.57 0.04 0.01 0.01 0.09
Loan Loss Reserves/ Gross Loans 0.83 0.90 0.94 0.98 0.96
Reserves/ NPAs 122.68 140.44 97.19 103.47 75.46
Loan Loss Provision/ NCO 64.22 201.34 611.11 NM 370.90
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 57,291 56,058 50,570 45,543 32,521
Tier 1 Capital($000) 57,291 56,058 50,570 45,543 32,521
Tier 2 Capital($000) 3,677 8,896 8,745 8,561 8,118
Total Capital($000) 60,968 64,954 59,315 54,104 40,639
Total Risk-weighted Assets($000) 418,915 416,562 382,480 350,889 314,563
Tier 1 Common Capital (CET1) Ratio(%) 13.68 13.46 13.22 12.98 10.34
Tier 1 Ratio(%) 13.68 13.46 13.22 12.98 10.34
Total Capital Ratio(%) 14.55 15.59 15.51 15.42 12.92
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.38 10.44 10.66 10.38 8.21
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 3,221,872 3,113,881 3,102,988 3,087,702 2,407,095
Basic Book Value per Share 18.38 18.29 16.14 14.68 13.39
Book Value per Share, As Reported 18.38 18 16.30 14.75 13.51
Basic Tangible Book Value per Share 18.38 18.29 16.14 14.68 13.39
Tangible Book Value per Share, As Reported 18.38 18 16.30 14.75 13.51
Common Dividends Declared per Share 0 0 0 0 0
EPS after Extra 0.37 1.66 1.52 1.30 1.21
EPS after Extra Growth(%) 5.70 9.30 16.80 7.50 46.20
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.

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