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

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Balance Sheet ($000)
 2019Y2018Y2019/
2018
Ch (%)
2017Y2018/
2017
Ch (%)
Loans Held for Investment, before Reserves392,578375,8544.45357,7925.05
Loans Held for Sale, before Reserves7430NM00.00
Loan Loss Reserve3,4723,3722.972,96313.80
Net Loans Receivable389,849372,4824.66354,8294.98
Intangible Assets5395390.005390.00
Total Assets500,530470,6116.36443,9256.01
Deposits450,283425,2785.88401,6855.87
Debt, Senior and Subordinated000.00513NM
Common Equity45,44542,1117.9238,7958.55
Total Shareholders' Equity45,44542,1117.9238,7958.55
Shares Outstanding (actual)1,551,3391,540,0540.731,529,0330.72
Income Statement ($000)
 2019Y2018Y2019/
2018
Ch (%)
2017Y2018/
2017
Ch (%)
Net Interest Income17,67616,3827.9014,85010.32
Provision for Loan Losses163607(73.15)260133.46
Noninterest Income4,6214,2029.973,8559.00
Noninterest Expense16,77214,92812.3514,1285.66
Net Income Before Taxes5,3645,0496.244,31716.96
Provision for Taxes9688898.891,569(43.34)
Net Income4,3964,1605.672,74851.38
Per Share Items ($)
 2019Y2018Y2019/
2018
Ch (%)
2017Y2018/
2017
Ch (%)
Book Value per Share29.2927.347.1325.377.77
Tangible Book Value28.9526.997.2325.027.89
Diluted EPS Before Extra2.822.685.221.7850.56
Diluted EPS After Extra2.822.685.221.7850.56
Dividends Declared0.54500.445022.470.400011.25
Performance Ratios (%)
 2019Y2018Y2019/
2018
Ch (bp)
2017Y2018/
2017
Ch (bp)
ROAA0.920.9020.6228
ROAE9.8610.33(47)7.25308
Net Interest Margin4.003.83173.6320
Loans / Deposits87.1888.38(119)89.07(69)
Efficiency Ratio75.2272.5626675.51(295)
Balance Sheet Ratios (%)
 2019Y2018Y2019/
2018
Ch (bp)
2017Y2018/
2017
Ch (bp)
Tangible Equity/ Tangible Assets8.988.84148.6322
Equity/ Assets9.088.95138.7421
Asset Quality Ratios (%)
 2019Y2018Y2019/
2018
Ch (bp)
2017Y2018/
2017
Ch (bp)
Nonperforming Assets/ Assets0.360.3330.2112
Loan Loss Reserves/ Gross Loans0.880.90(1)0.837
Loan Loss Reserves/ NPAs180.46194.58(1,412)199.13(455)
Net Charge-offs/ Avg Loans0.010.05(4)0.050
Regulatory Capital Ratios (%)
 2019Y2018Y2019/
2018
Ch (bp)
2017Y2018/
2017
Ch (bp)
Tier 1 Capital Ratio11.7211.403210.8852

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