Investor Presentaiton
PROFITABILity TrendS
Return on Average Assets
Pre-Tax Return on Average Assets
1.50%
2.00%
1.20%
1.07%
1.60%
1.43%
1.44%
0.95%
0.98% 0.96%
1.33%
1.31%
1.34%
0.89%
1.25%
0.85%
0.90%
0.76%
1.20%
1.04%
0.67%
0.91%
0.60%
0.80%
0.30%
0.40%
0.00%
0.00%
Q2
Q3
2019 2019
Q4 Q1
Q2 Q3
Q4
2019 2020 2020 2020 2020
Q1
2021
Q2
2019
Q3 Q4 Q1
Q2
Q3
Q4
2019 2019 2020 2020 2020 2020
Q1
2021
Net Income ($000s)
Pre-Tax Income ($000s)
$3,000
$0.60
$2,500
$2,264 $2,379
$2,560
$4,000
$3,593
$0.50
$3,500
$3,238 $3,275
$2,000
$1,506 $1,547 $1,572
$0.47
$1,565 $0.45
$0.50
$0.40
$3,000
$1,500
$1,000 $0.30 $0.31 $0.31
$500
$1,171
$0.30
$2,500
$2,135 $2,194 $2,232
$2,189
$0.31
$0.20
$2,000
$1,639
$0.23
$0.10
$1,500
$-
$-
$1,000
Q2 Q3
2019 2019
Q4 Q1 Q2 Q3 Q4
2019 2020 2020 2020 2020 2021
Q1
$500
$-
■Net Income ◆ Earnings Per Share
Q2
Q3
Q4
Q1
2019
2019
2019
2020
Q2
2020
Q3
Q4
Q1
2020 2020 2021
Source: Unaudited company information, call reports and press releases, as of 3/31/2021
Note: All dollars in thousands
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