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

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


Balance Sheet ($000)
 2018 Q32017 Q3Y-Y
Ch (%)
2018 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves642,992616,6204.28637,7933.26
Loans Held for Sale, before Reserves0539NM405NM
Loan Loss Reserve6,2806,375(1.49)6,1736.93
Net Loans Receivable636,712610,7844.25632,0252.97
Intangible Assets1131130.001130.00
Total Assets883,277846,7204.32881,9460.60
Deposits717,283688,9754.11709,5914.34
Debt, Senior and Subordinated79,75675,0616.2582,895(15.15)
Common Equity78,09474,7894.4276,04810.76
Total Shareholders' Equity78,09474,7894.4276,04810.76
Shares Outstanding (actual)4,488,7204,553,409(1.42)4,491,789(0.27)
Income Statement ($000)
 2018 Q32017 Q3Y-Y
Ch (%)
2018 Q2Q-Q
Ch (%)
Net Interest Income7,2586,7607.377,279(1.15)
Provision for Loan Losses10105(90.48)30(266.67)
Noninterest Income1,6151,5216.181,55315.97
Noninterest Expense5,3734,9299.015,14517.73
Net Income Before Taxes3,4903,2477.483,657(18.27)
Provision for Taxes8291,138(27.15)890(27.42)
Net Income2,6612,10926.172,767(15.32)
Per Share Items ($)
 2018 Q32017 Q3Y-Y
Ch (%)
2018 Q2Q-Q
Ch (%)
Book Value per Share17.4016.425.9216.9311.04
Tangible Book Value17.3716.405.9316.9111.06
Diluted EPS Before Extra0.590.4627.340.62(17.30)
Diluted EPS After Extra0.590.4627.340.62(17.30)
Dividends Declared0.00000.00000.000.1767NM
Performance Ratios (%)
 2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
ROAA1.201.00201.31(11)
ROAE13.6411.2723714.57(93)
Net Interest Margin3.483.4353.67(19)
Loans / Deposits89.6489.501489.88(24)
Efficiency Ratio59.7558.4612957.56219
Balance Sheet Ratios (%)
 2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.838.8218.6122
Equity/ Assets8.848.8318.6222
Asset Quality Ratios (%)
 2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.671.35(68)0.670
Loan Loss Reserves/ Gross Loans0.981.03(6)0.971
Loan Loss Reserves/ NPAs106.6955.735,096104.33237
Net Charge-offs/ Avg Loans(0.06)0.01(7)0.16(22)
Regulatory Capital Ratios (%)
 2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
Tier 1 Capital RatioNA13.16NANANA
   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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