Skip to content
Community Heritage Financial, Inc.
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 621,890 516,967 435,658 361,224 282,904
Total Net Loans 452,570 428,874 354,149 280,422 208,578
Total Deposits 519,601 446,706 388,544 315,934 250,981
Equity Attributable to Parent Company 49,249 48,635 44,944 43,388 25,124
Total Equity 49,249 48,635 44,944 43,388 25,124
Profitability (%)
Net Income($000) 510 2,631 1,968 1,217 893
Net Income Attributable to Parent($000) 510 2,631 1,968 1,217 893
ROAA 0.36 0.55 0.50 0.39 0.34
Core ROAA NA NA 0.50 0.53 0.37
ROAE 4.17 5.60 4.48 4.17 3.54
ROATCE 4.32 5.77 4.48 4.17 3.54
Core ROAE NA NA 4.48 5.68 3.87
Net Interest Margin 3.50 3.62 3.62 3.59 3.45
Reported: Net Interest Margin 3.50 3.70 3.62 3.59 3.45
Efficiency Ratio 81.57 78.48 78.06 73.81 79.49
Noninterest Inc/ Operating Rev 23.82 21.90 7.92 9.04 11.25
Balance Sheet Ratios (%)
Loans/ Deposits 86.70 96.13 92.07 89.65 83.74
Securities/ Assets 8.54 8.32 11.08 13.21 16.30
Total Equity/ Total Assets 7.92 9.41 10.32 12.01 8.88
Tangible Equity/ Tangible Assets 7.67 9.11 10.32 12.01 8.88
Tang Common Equity/ Tang Assets 7.67 9.11 10.32 12.01 8.88
Asset Quality (%)
NPAs/ Assets 0.29 0.36 0.73 1.12 1.44
NPA Excl Restructured/ Assets 0.18 0.22 0.56 0.91 0.80
NPAs & 90+ PD/ Assets 0.29 0.36 0.73 1.12 1.44
NPAs/ Loans & REO 0.39 0.43 0.89 1.42 1.92
Nonaccrual & 90+ & OREO/ Assets 0.18 0.22 0.56 0.91 0.80
NPAs & 90+ PD/ Loans & REO 0.39 0.43 0.89 1.42 1.92
NPA & Loans 90+/ Tangible Common Equity + LLR 3.44 3.62 6.56 8.68 14.69
NCOs/ Avg Loans 0.01 0.04 0.01 0.05 0.07
Loan Loss Reserves/ Gross Loans 1.02 1 1 1.08 1.20
Reserves/ NPAs 259.61 233.08 112.85 75.71 62.20
Loan Loss Provision/ NCO NM 602.58 NM 563.72 338.35
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA NA NA 43,900 25,681
Tier 1 Capital($000) NA NA NA 43,900 25,681
Tier 2 Capital($000) NA NA NA 3,335 2,476
Total Capital($000) NA NA NA 47,235 28,157
Total Risk-weighted Assets($000) NA NA NA 266,707 197,662
Tier 1 Common Capital (CET1) Ratio(%) 13.73 14.34 12.98 16.46 12.99
Tier 1 Ratio(%) 13.73 14.34 12.98 16.46 12.99
Total Capital Ratio(%) 14.94 15.54 14.23 17.71 14.25
Leverage Ratio(%) NA NA NA 12.65 9.25
Per Share Information ($)
Common Shares Outstanding(actual) 2,251,320 2,251,320 2,233,820 2,233,820 1,285,774
Avg Diluted Shares(actual) 2,251,320 2,249,320 2,233,820 1,481,593 1,285,774
Basic Book Value per Share 21.88 21.60 20.12 19.42 19.54
Book Value per Share, As Reported 21.88 21.60 20.12 19.42 19.54
Basic Tangible Book Value per Share 21.13 20.86 20.12 19.42 19.54
Tangible Book Value per Share, As Reported 21.13 20.86 20.12 19.42 19.54
Common Dividends Declared per Share 0.04 0.12 0.09 NA NA
EPS after Extra 0.23 1.17 0.88 0.82 0.69
EPS after Extra Growth(%) 64.30 33 7.30 18.80 137.90
Core EPS NA NA 0.88 1.12 0.75
Core EPS Growth(%) NA NA (21.20) 48 56
Diluted EPS before Amortization 0.23 1.17 0.88 0.82 0.69
Pre-Provision Earnings per Share 0.36 1.61 1.15 1.37 0.93
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.

Community Heritage Financial, Inc.

24 West Main Street
Middletown, MD 21769
(844) 533-9211

Transfer Agent

American Stock Transfer & Trust Company, LLC
3rd Floor, 6201 15th Avenue
Brooklyn
New York, NY 11219
(800) 937-5449