Stepping Up to a Better Way of Banking

Table of Contents

Financial Highlights

AT YEAR-END

2021

2020

% CHANGE

Assets

$461,810

$395,059

17%

Deposits

400,845

333,606

20%

Loans, net

237,831

241,675

-2%

Investments

93,595

72,912

28%

Stockholders' Equity

35,358

35,759

-1%

FOR THE YEAR

2021

2020

% CHANGE

Net income

$2,360

$2,708

-13%

Return on average assets

0.54%

0.75%

-28%

Return on average equity

6.56%

7.78%

-16%

Net charge-offs to avg loans

0.00%

0.00%

0%

PER SHARE

2021

2020

% CHANGE

Dividends per share

$0.86

$0.85

1%

Net income per share

2.24

2.54

-12%

Book value at year end

34.11

33.55

2%

Dollar amounts in thousands, except per-share data

4

Key Graphs

TOTAL ASSETS (MILLIONS)

NET LOANS (MILLIONS)

2021

2020

2019

2018

2017

2021

2020

2019

2018

2017

$462

$395

$324

$319

$326

$238

$242

$218

$203

$195

TOTAL DEPOSITS (MILLIONS)

EARNINGS (THOUSANDS)

2021

2020

2019

2018

2017

2021

2020

2019

2018

2017

$401

$334

$265

$260

$265

$2,360

$2,708

$2,278

$2,166

$2,082

BOOK VALUE (PER SHARE, IN DOLLARS)

DIVIDEND PAYOUT RATIO

2021

2020

2019

2018

2017

2021

2020

2019

2018

2017

$34.11

$33.55

$31.26

$28.74

$28.06

38%

33%

36%

35%

36%

5

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Disclaimer

HCB Financial Corp. published this content on 30 March 2022 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 30 March 2022 18:54:05 UTC.