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Financial Highlights

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

For the definition of a financial field, click on the field name.

Balance Sheet ($000)
2020 Q32019 Q3Y-Y
Ch (%)
2020 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,607,0991,355,42118.571,581,9056.37
Loans Held for Sale, before Reserves6,19213,053(52.56)10,602(166.38)
Loan Loss Reserve22,23716,00238.9620,23439.60
Net Loans Receivable1,591,0541,352,47217.641,572,2734.78
Intangible AssetsNA2,427NA2,365NA
Total Assets1,930,8361,664,30816.011,900,7746.33
Debt, Senior and Subordinated250,310223,23512.13235,90524.43
Common Equity169,234154,8849.26166,6076.31
Total Shareholders' Equity169,234154,8849.26166,6076.31
Shares Outstanding (actual)10,570,00010,869,000(2.75)10,728,000(5.89)
Income Statement ($000)
2020 Q32019 Q3Y-Y
Ch (%)
2020 Q2Q-Q
Ch (%)
Net Interest Income16,32714,40413.3515,52520.66
Provision for Loan Losses2,000750166.672,500(80.00)
Noninterest Income3,4321,92478.382,732102.49
Noninterest Expense10,0378,72914.989,17737.49
Net Income Before Taxes7,6267,635(0.12)6,65958.09
Provision for Taxes1,8661,67611.341,488101.61
Net Income5,7605,959(3.34)5,17145.56
Per Share Items ($)
2020 Q32019 Q3Y-Y
Ch (%)
2020 Q2Q-Q
Ch (%)
Book Value per Share16.0114.2512.3615.5312.38
Tangible Book ValueNA14.03NA15.31NA
Diluted EPS Before Extra0.540.540.000.4759.57
Diluted EPS After Extra0.540.540.000.4759.57
Dividends Declared0.08000.08000.000.08000.00
Performance Ratios (%)
2020 Q32019 Q3Y-Y
Ch (bp)
2020 Q2Q-Q
Ch (bp)
Net Interest Margin3.783.90(12)3.735
Loans / Deposits107.61106.44117106.6497
Efficiency Ratio50.8051.06(26)50.2753
Balance Sheet Ratios (%)
2020 Q32019 Q3Y-Y
Ch (bp)
2020 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible AssetsNA9.17NA8.65NA
Equity/ Assets8.769.31(54)8.770
Asset Quality Ratios (%)
2020 Q32019 Q3Y-Y
Ch (bp)
2020 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.500.4460.54(4)
Loan Loss Reserves/ Gross Loans1.381.17211.2711
Loan Loss Reserves/ NPAs232.60201.033,157191.594,101
Net Charge-offs/ Avg Loans(0.00)0.21(21)(0.09)9
Regulatory Capital Ratios (%)
2020 Q32019 Q3Y-Y
Ch (bp)
2020 Q2Q-Q
Ch (bp)
Tier 1 Capital RatioNA13.04NANANA
   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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