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OTC Pink: YRKB

$ 19.10

Change: $ 0.00 0.00%
Volume: 0

Financial Highlights Report

Financial Highlights
2019 FQ3 YTD
9/30/2019
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 538,486 482,918 441,289 396,716 359,642
Total Net Loans 432,926 391,800 358,867 320,620 268,595
Total Deposits 440,635 395,179 363,089 322,317 294,492
Equity Attributable to Parent Company 55,851 50,080 45,319 32,223 29,506
Total Equity 55,851 50,080 45,319 32,223 29,506
Profitability (%)
Net Income($000) 4,063 4,728 3,394 2,900 1,996
Net Income Attributable to Parent($000) 4,063 4,728 3,394 2,900 1,996
ROAA 1.08 1.03 0.81 0.77 0.60
Core ROAA 1.08 1.05 0.84 0.76 0.60
ROAE 10.23 10.01 9.01 9.23 6.84
ROATCE 10.23 10.01 9.01 9.23 6.95
Core ROAE 10.24 10.18 9.37 9.08 6.84
Net Interest Margin 3.59 3.54 3.49 3.31 3.30
Reported: Net Interest Margin 3.59 3.54 3.49 3.31 3.30
Efficiency Ratio 69.82 70.23 70.88 71.17 78.01
Noninterest Inc/ Operating Rev 27.14 26.23 28.77 33.23 29.93
Balance Sheet Ratios (%)
Loans/ Deposits 92.06 95.89 95.99 94.71 87.90
Securities/ Assets 13.05 12.50 13.03 13.33 19.23
Total Equity/ Total Assets 10.37 10.37 10.27 8.12 8.20
Tangible Equity/ Tangible Assets 10.37 10.37 10.27 8.12 8.20
Tang Common Equity/ Tang Assets 10.37 10.37 10.27 8.12 8.20
Asset Quality (%)
NPAs/ Assets 0.53 0.80 0.78 1.04 1.46
NPA Excl Restructured/ Assets 0.22 0.41 0.64 0.81 0.90
NPAs & 90+ PD/ Assets 0.53 0.80 0.78 1.04 1.46
NPAs/ Loans & REO 0.66 0.97 0.95 1.27 1.93
Nonaccrual & 90+ & OREO/ Assets 0.22 0.41 0.64 0.81 0.90
NPAs & 90+ PD/ Loans & REO 0.66 0.97 0.95 1.27 1.93
NPA & Loans 90+/ Tangible Common Equity + LLR 4.81 7.14 7.02 11.66 16.43
NCOs/ Avg Loans 0.03 0.01 0.01 0.09 0.23
Loan Loss Reserves/ Gross Loans 0.91 0.94 0.98 0.96 0.88
Reserves/ NPAs 137.53 97.19 103.47 75.46 45.48
Loan Loss Provision/ NCO 389.61 611.11 NM 370.90 68.99
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 54,858 50,570 45,543 32,521 29,439
Tier 1 Capital($000) 54,858 50,570 45,543 32,521 29,439
Tier 2 Capital($000) 8,968 8,745 8,561 8,118 7,392
Total Capital($000) 63,826 59,315 54,104 40,639 36,831
Total Risk-weighted Assets($000) 418,380 382,480 350,889 314,563 270,124
Tier 1 Common Capital (CET1) Ratio(%) 13.11 13.22 12.98 10.34 10.90
Tier 1 Ratio(%) 13.11 13.22 12.98 10.34 10.90
Total Capital Ratio(%) 15.26 15.51 15.42 12.92 13.63
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.40 10.66 10.38 8.21 8.55
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 3,112,000 3,102,988 3,087,702 2,407,095 2,393,206
Basic Book Value per Share 17.95 16.14 14.68 13.39 12.33
Book Value per Share, As Reported 17.63 16.30 14.75 13.51 12.30
Basic Tangible Book Value per Share 17.95 16.14 14.68 13.39 12.33
Tangible Book Value per Share, As Reported 17.63 16.30 14.75 13.51 12.30
Common Dividends Declared per Share 0 0 0 0 0
EPS after Extra 1.30 1.52 1.30 1.21 0.83
EPS after Extra Growth(%) 16.30 16.80 7.50 46.20 4.60
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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