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Financial Highlights

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 1,201,709 1,180,105 1,164,202 1,135,478 1,076,551
Total Net Loans 783,056 786,109 780,251 766,481 708,271
Total Deposits 997,506 980,021 961,620 961,432 913,301
Equity Attributable to Parent Company 139,343 125,439 117,380 108,245 103,157
Total Equity 139,343 125,439 117,380 108,245 103,157
Profitability (%)
Net Income($000) 9,279 11,365 9,245 9,933 10,544
Net Income Attributable to Parent($000) 9,279 11,365 9,245 9,933 10,544
ROAA 1.04 0.97 0.81 0.90 1.07
Core ROAA 0.99 0.94 0.93 0.93 0.98
ROAE 9.34 9.23 8.12 9.46 11.12
ROATCE 9.59 9.52 8.41 9.83 11.29
Core ROAE 8.85 9 9.36 9.76 10.26
Net Interest Margin 3.59 3.73 3.50 3.67 3.62
Reported: Net Interest Margin 3.59 3.57 3.50 3.67 3.62
Efficiency Ratio 67.53 61.39 60.14 57.81 59.14
Noninterest Inc/ Operating Rev 14.70 13.88 16.05 16.35 15.71
Balance Sheet Ratios (%)
Loans/ Deposits 79.67 81.51 82.26 NA NA
Securities/ Assets 23.92 25.12 23.60 22.93 26.11
Total Equity/ Total Assets 11.60 10.63 10.08 9.53 9.58
Tangible Equity/ Tangible Assets 11.54 10.55 9.98 9.40 9.41
Tang Common Equity/ Tang Assets 11.54 10.55 9.98 9.40 9.41
Asset Quality (%)
NPAs/ Assets 1.12 1.74 1.79 2.54 2.72
NPA Excl Restructured/ Assets 0.78 0.69 1.35 1.32 1.41
NPAs & 90+ PD/ Assets 1.16 1.88 1.80 2.57 2.77
NPAs/ Loans & REO 1.69 2.56 2.63 3.68 4.03
Nonaccrual & 90+ & OREO/ Assets 0.82 0.84 1.35 1.36 1.47
NPAs & 90+ PD/ Loans & REO 1.76 2.77 2.64 3.73 4.11
NPA & Loans 90+/ Tangible Common Equity + LLR 9.20 15.99 16.21 23.94 25.72
NCOs/ Avg Loans 0.07 0.02 0.41 0.30 0.20
Loan Loss Reserves/ Gross Loans 1.72 1.80 1.66 1.98 2.05
Reserves/ NPAs 101.44 70.37 63 53.77 50.77
Loan Loss Provision/ NCO (71.56) NM 27.13 128.96 119.42
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 136,316 127,595 116,759 106,769 98,467
Tier 1 Capital($000) 136,316 127,595 116,759 106,769 98,467
Tier 2 Capital($000) 11,661 11,835 13,627 15,376 16,528
Total Capital($000) 147,977 139,430 130,386 122,145 114,995
Total Risk-weighted Assets($000) 930,812 944,214 928,615 905,960 837,080
Tier 1 Common Capital (CET1) Ratio(%) 14.64 13.51 12.57 11.79 11.76
Tier 1 Ratio(%) 14.64 13.51 12.57 11.79 11.76
Total Capital Ratio(%) 15.90 14.77 14.04 13.48 13.74
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.42 10.73 10.05 9.42 9.04
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 3,703,368 3,694,891 3,664,289 3,634,999 3,631,217
Avg Diluted Shares(actual) 3,731,248 3,710,575 3,701,469 3,684,746 3,694,165
Basic Book Value per Share 37.63 33.95 32.03 29.78 28.41
Book Value per Share, As Reported 37.03 34.79 32.17 29.78 28.41
Basic Tangible Book Value per Share 37.41 33.66 31.66 29.32 27.86
Tangible Book Value per Share, As Reported NA 34.38 31.76 NA 26.68
Common Dividends Declared per Share 0.24 0.30 0.26 0.22 0.20
EPS after Extra 2.49 3.06 2.50 2.70 2.85
EPS after Extra Growth(%) 3.60 22.40 (7.40) (5.30) 27.20
Core EPS 2.36 2.98 2.88 2.78 2.63
Core EPS Growth(%) NA 3.60 3.50 5.80 18.60
Diluted EPS before Amortization 2.55 3.14 2.58 2.78 2.88
Pre-Provision Earnings per Share 2.30 3.14 2.70 2.99 2.56
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