National Capital Bancorp, Inc. Consolidated Financial Highlights

December 31, 2021 and 2020
Year ended December 31, Dollars in thousands, except per share data

Annual Results
2021
2020
%Change
Annual Results
2020
2019
%Change
Net Income
$4,646
$2,648
75.5%
Net Income per Common Share*
16.23
9.26
75.3%
Common Dividends Paid per Share
2.20
2.20
0.0%
PERFORMANCE RATIOS BASED ON NET INCOME
2021
2020
%Change
PERFORMANCE RATIOS BASED ON NET INCOME
2020
2019
%Change
Return on Average Assets
0.71%
0.46%
56.7%
Return on Average  Common Shareholders’  Equity
8.57%
5.12%
67.5%
Net Interest Margin
3.22%
3.29%
-2.1%
Cost Efficiency Ratio
75.25%
75.68%
-0.6%
SELECTED AVERAGE BALANCES
2021
2020
%Change
SELECTED AVERAGE BALANCES
2020
2019
%Change
Total Assets
$650,090
$580,528
12.0%
Total Earning Assets
627,866
560,463
12.0%
Total Gross Loans
449,562
423,865
6.1%
Total Deposits
569,681
497,895
14.4%
Non Interest
205,191
160,649
27.7%
Interest
364,490
337,246
8.1%
Total Borrowings
23,175
28,146
-17.7%
Total Stockholders’ Equity
54,206
51,746
4.8%
SELECTED YEAR-END BALANCES
2021
2020
%Change
SELECTED YEAR-END BALANCES
2020
2019
%Change
Total Assets
$734,709
$615,294
19.4%
Total Earning Assets
712,351
592,629
20.2%
Total Gross Loans
396,453
440,819
-10.1%
Allowance for Loan Losses
5,959
6,111
-2.5%
Total Deposits
657,116
532,444
23.4%
Non Interest
268,530
171,909
56.2%
Interest
388,586
360,535
7.8%
Total Borrowings
19,952
25,576
-22.0%
Total Shareholders’ Equity
54,854
53,449
2.6%
Total Shares of Common Stock
286,457
286,057
0.1%
CAPITAL RATIOS
2021
2020
%Change
CAPITAL RATIOS
2020
2019
%Change
Average Shareholders’ Equity  to
Average Assets at Year-end
8.34%
8.91%
-6.5%
Shareholders’ Equity to
Assets at Year-end
7.47
8.69%
-14.1%
Common Stock, Per Share:
2021
2020
%Change
Common Stock, Per Share:
2020
2019
%Change
Book Value
$191.49
$186.85
2.5%
Tangible Book Value
$191.49
$186.85
2.5%
Market Price
$197.00
$163.00
-20.9%
*Average Shares Outstanding
286,328
285,999
0.1%
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