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Balance Sheet ($000)
 2018Y2017Y2018/
2017
Ch (%)
2016Y2017/
2016
Ch (%)
Loans Held for Investment, before Reserves375,854357,7925.05341,1304.88
Loans Held for Sale, before Reserves000.00111NM
Loan Loss Reserve3,3722,96313.802,8982.24
Net Loans Receivable372,482354,8294.98338,3434.87
Intangible Assets5395390.005390.00
Total Assets470,611443,9256.01440,1040.87
Deposits425,278401,6855.87399,7430.49
Debt, Senior and Subordinated0513NM801(35.96)
Common Equity42,11138,7958.5536,5496.15
Total Shareholders' Equity42,11138,7958.5536,5496.15
Shares Outstanding (actual)1,540,0541,529,0330.721,522,3510.44
Income Statement ($000)
 2018Y2017Y2018/
2017
Ch (%)
2016Y2017/
2016
Ch (%)
Net Interest Income16,38214,85010.3213,6358.91
Provision for Loan Losses607260133.4687198.85
Noninterest Income4,2023,8559.003,5688.04
Noninterest Expense14,92814,1285.6613,0448.31
Net Income Before Taxes5,0494,31716.964,400(1.89)
Provision for Taxes8891,569(43.34)1,39612.39
Net Income4,1602,74851.383,004(8.52)
Per Share Items ($)
 2018Y2017Y2018/
2017
Ch (%)
2016Y2017/
2016
Ch (%)
Book Value per Share27.3425.377.7724.015.68
Tangible Book Value26.9925.027.8923.655.77
Diluted EPS Before Extra2.681.7850.561.96(9.18)
Diluted EPS After Extra2.681.7850.561.96(9.18)
Dividends Declared0.44500.400011.250.38005.26
Performance Ratios (%)
 2018Y2017Y2018/
2017
Ch (bp)
2016Y2017/
2016
Ch (bp)
ROAA0.900.62280.76(14)
ROAE10.337.253088.38(113)
Net Interest Margin3.833.63203.70(7)
Loans / Deposits88.3889.07(69)85.34374
Efficiency Ratio72.5675.51(295)74.6685
Balance Sheet Ratios (%)
 2018Y2017Y2018/
2017
Ch (bp)
2016Y2017/
2016
Ch (bp)
Tangible Equity/ Tangible Assets8.848.63228.1944
Equity/ Assets8.958.74218.3043
Asset Quality Ratios (%)
 2018Y2017Y2018/
2017
Ch (bp)
2016Y2017/
2016
Ch (bp)
Nonperforming Assets/ Assets0.330.21120.32(11)
Loan Loss Reserves/ Gross Loans0.900.8370.85(2)
Loan Loss Reserves/ NPAs194.58199.13(455)164.853,428
Net Charge-offs/ Avg Loans0.050.0500.023
Regulatory Capital Ratios (%)
 2018Y2017Y2018/
2017
Ch (bp)
2016Y2017/
2016
Ch (bp)
Tier 1 Capital Ratio11.4010.885210.835

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