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 Q42017 Q4Y-Y
Ch (%)
2018 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves664,713616,4747.82642,99213.51
Loans Held for Sale, before Reserves3580NM0NM
Loan Loss Reserve6,2326,398(2.59)6,280(3.06)
Net Loans Receivable658,839610,0767.99636,71213.90
Intangible Assets1131130.001130.00
Total Assets915,998847,6818.06883,27714.82
Deposits725,826702,3033.35717,2834.76
Debt, Senior and Subordinated99,68262,31659.9679,75699.93
Common Equity80,84073,7829.5778,09414.07
Total Shareholders' Equity80,84073,7829.5778,09414.07
Shares Outstanding (actual)4,487,8954,521,600(0.75)4,488,720(0.07)
Income Statement ($000)
 2018 Q42017 Q4Y-Y
Ch (%)
2018 Q3Q-Q
Ch (%)
Net Interest Income7,4777,0965.377,25812.07
Provision for Loan Losses60105(42.86)102,000.00
Noninterest Income1,7181,53312.071,61525.51
Noninterest Expense5,8295,3029.945,37333.95
Net Income Before Taxes3,3063,2222.613,490(21.09)
Provision for Taxes7772,276(65.86)829(25.09)
Net Income2,529946167.342,661(19.84)
Per Share Items ($)
 2018 Q42017 Q4Y-Y
Ch (%)
2018 Q3Q-Q
Ch (%)
Book Value per Share18.0116.3210.3917.4014.14
Tangible Book Value17.9916.2910.4017.3714.16
Diluted EPS Before Extra0.560.21166.670.59(20.34)
Diluted EPS After Extra0.560.21166.670.59(20.34)
Dividends Declared0.18000.160012.500.0000NM
Performance Ratios (%)
 2018 Q42017 Q4Y-Y
Ch (bp)
2018 Q3Q-Q
Ch (bp)
ROAA1.140.45691.20(6)
ROAE12.624.9876413.64(102)
Net Interest Margin3.583.68(10)3.4810
Loans / Deposits91.5887.7838089.64194
Efficiency Ratio62.5459.6528959.75279
Balance Sheet Ratios (%)
 2018 Q42017 Q4Y-Y
Ch (bp)
2018 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.818.69128.83(2)
Equity/ Assets8.838.70128.84(2)
Asset Quality Ratios (%)
 2018 Q42017 Q4Y-Y
Ch (bp)
2018 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.671.27(60)0.670
Loan Loss Reserves/ Gross Loans0.941.04(10)0.98(4)
Loan Loss Reserves/ NPAs101.6359.564,208106.69(506)
Net Charge-offs/ Avg Loans0.070.051(0.06)13
Regulatory Capital Ratios (%)
 2018 Q42017 Q4Y-Y
Ch (bp)
2018 Q3Q-Q
Ch (bp)
Tier 1 Capital RatioNA13.09NANANA
   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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