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Trend Analysis--Quarterly (click here for Annual Analysis)

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Balance Sheet ($000)
 2020 Q12019 Q1Y-Y
Ch (%)
2019 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves385,336380,0801.38392,578(7.38)
Loans Held for Sale, before Reserves307448(31.47)743(234.72)
Loan Loss Reserve3,4333,460(0.78)3,472(4.49)
Net Loans Receivable382,211377,0681.36389,849(7.84)
Intangible Assets5395390.005390.00
Total Assets502,817488,4852.93500,5301.83
Deposits450,422441,6891.98450,2830.12
Debt, Senior and Subordinated000.0000.00
Common Equity45,27943,8133.3545,445(1.46)
Total Shareholders' Equity45,27943,8133.3545,445(1.46)
Shares Outstanding (actual)1,557,0981,543,6750.871,551,3391.48
Income Statement ($000)
 2020 Q12019 Q1Y-Y
Ch (%)
2019 Q4Q-Q
Ch (%)
Net Interest Income4,1304,392(5.97)4,351(20.32)
Provision for Loan Losses115(6)NM123,433.33
Noninterest Income1,3401,04528.231,21541.15
Noninterest Expense4,2723,83311.454,777(42.29)
Net Income Before Taxes5331,610(66.89)777(125.61)
Provision for Taxes85309(72.49)93(34.41)
Net Income4481,301(65.56)684(138.01)
Per Share Items ($)
 2020 Q12019 Q1Y-Y
Ch (%)
2019 Q4Q-Q
Ch (%)
Book Value per Share29.0828.382.4629.29(2.94)
Tangible Book Value28.7328.032.5028.95(2.95)
Diluted EPS Before Extra0.290.84(65.48)0.44(136.36)
Diluted EPS After Extra0.290.84(65.48)0.44(136.36)
Dividends Declared0.14000.125012.000.14000.00
Performance Ratios (%)
 2020 Q12019 Q1Y-Y
Ch (bp)
2019 Q4Q-Q
Ch (bp)
ROAA0.371.10(74)0.56(20)
ROAE3.9512.11(816)5.96(201)
Net Interest Margin3.654.05(40)3.84(19)
Loans / Deposits85.5586.05(50)87.18(163)
Efficiency Ratio78.1070.3078085.82(773)
Balance Sheet Ratios (%)
 2020 Q12019 Q1Y-Y
Ch (bp)
2019 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.918.8748.98(7)
Equity/ Assets9.018.9749.08(7)
Asset Quality Ratios (%)
 2020 Q12019 Q1Y-Y
Ch (bp)
2019 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.340.35(1)0.36(2)
Loan Loss Reserves/ Gross Loans0.890.91(2)0.881
Loan Loss Reserves/ NPAs197.75196.15161180.461,730
Net Charge-offs/ Avg Loans0.16(0.10)260.0214
Regulatory Capital Ratios (%)
 2020 Q12019 Q1Y-Y
Ch (bp)
2019 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio11.6211.342811.72(10)
   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.



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