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Financial Highlights

Financial Highlights
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
Balance Sheet ($000)
Total Assets 1,180,105 1,164,202 1,135,478 1,076,551 922,953
Total Net Loans 786,109 780,251 766,481 708,271 640,795
Total Deposits 980,021 961,620 961,432 913,301 765,347
Equity Attributable to Parent Company 125,439 117,380 108,245 103,157 93,985
Total Equity 125,439 117,380 108,245 103,157 93,985
Profitability (%)
Net Income($000) 11,365 9,245 9,933 10,544 8,260
Net Income Attributable to Parent($000) 11,365 9,245 9,933 10,544 8,260
ROAA 0.97 0.81 0.90 1.07 0.93
Core ROAA 0.99 0.93 0.93 0.98 0.92
ROAE 9.23 8.12 9.46 11.12 9.50
ROATCE 9.52 8.41 9.83 11.29 9.51
Core ROAE 9.44 9.36 9.76 10.26 9.40
Net Interest Margin 3.73 3.50 3.67 3.62 3.75
Reported: Net Interest Margin 3.57 3.50 3.67 3.62 3.75
Efficiency Ratio 60.49 60.14 57.81 59.14 56.23
Noninterest Inc/ Operating Rev 15.20 16.05 16.35 15.71 14.90
Balance Sheet Ratios (%)
Loans/ Deposits 81.51 82.26 NA NA NA
Securities/ Assets 25.12 23.60 22.93 26.11 23.63
Total Equity/ Total Assets 10.63 10.08 9.53 9.58 10.18
Tangible Equity/ Tangible Assets 10.55 9.98 9.40 9.41 10.17
Tang Common Equity/ Tang Assets 10.55 9.98 9.40 9.41 10.17
Asset Quality (%)
NPAs/ Assets 1.74 1.79 2.54 2.72 2.53
NPA Excl Restructured/ Assets 0.69 1.35 1.32 1.41 1.10
NPAs & 90+ PD/ Assets 1.88 1.80 2.57 2.77 2.54
NPAs/ Loans & REO 2.56 2.63 3.68 4.03 3.56
Nonaccrual & 90+ & OREO/ Assets 0.84 1.35 1.36 1.47 1.11
NPAs & 90+ PD/ Loans & REO 2.77 2.64 3.73 4.11 3.57
NPA & Loans 90+/ Tangible Common Equity + LLR 15.99 16.21 23.94 25.72 21.66
NCOs/ Avg Loans 0.02 0.41 0.30 0.20 0.45
Loan Loss Reserves/ Gross Loans 1.80 1.66 1.98 2.05 2.22
Reserves/ NPAs 70.37 63 53.77 50.77 62.38
Loan Loss Provision/ NCO NM 27.13 128.96 119.42 92.75
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 127,595 116,759 106,769 98,467 90,351
Tier 1 Capital($000) 127,595 116,759 106,769 98,467 90,351
Tier 2 Capital($000) 11,835 13,627 15,376 16,528 NA
Total Capital($000) 139,430 130,386 122,145 114,995 107,104
Total Risk-weighted Assets($000) 944,214 928,615 905,960 837,080 694,456
Tier 1 Common Capital (CET1) Ratio(%) 13.51 12.57 11.79 11.76 13.01
Tier 1 Ratio(%) 13.51 12.57 11.79 11.76 13.01
Total Capital Ratio(%) 14.77 14.04 13.48 13.74 15.42
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.73 10.05 9.42 9.04 9.99
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 3,694,891 3,664,289 3,634,999 3,631,217 3,624,830
Avg Diluted Shares(actual) 3,764,786 3,701,469 3,684,746 3,694,165 3,695,424
Basic Book Value per Share 33.95 32.03 29.78 28.41 25.93
Book Value per Share, As Reported 34.79 32.17 29.78 28.41 24.96
Basic Tangible Book Value per Share 33.66 31.66 29.32 27.86 25.89
Tangible Book Value per Share, As Reported 34.38 31.76 NA 26.68 24.92
Common Dividends Declared per Share 0.30 0.26 0.22 0.20 0.20
EPS after Extra 3.02 2.50 2.70 2.85 2.24
EPS after Extra Growth(%) 20.80 (7.40) (5.30) 27.20 21.70
Core EPS 3.09 2.88 2.78 2.63 2.22
Core EPS Growth(%) 7.20 3.50 5.80 18.60 22.40
Diluted EPS before Amortization 3.10 2.58 2.78 2.88 2.24
Pre-Provision Earnings per Share 3.24 2.70 2.99 2.56 2.50
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.

CONTACT INFORMATION

Foresight Financial Group, Inc.,
809 Cannell-Puri Court
P. O. Box 339
Winnebago, IL 61088
(815) 847-7500

Investor Relations Contact
Mr. Dean E. Cooke
Chief Financial Officer
(815) 847-7500
investor.relations@ffgbank.net

Transfer Agent
Computershare Investor Services LLC
P.O. Box 505000
Louisville, KY 40233-5000
(800) 368-5948