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 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves613,151609,1460.66616,474(2.16)
Loans Held for Sale, before Reserves156424(63.21)0NM
Loan Loss Reserve6,3876,1623.656,398(0.69)
Net Loans Receivable606,920603,4080.58610,076(2.07)
Intangible Assets1131130.001130.00
Total Assets844,221824,2992.42847,681(1.63)
Deposits693,991671,1323.41702,303(4.73)
Debt, Senior and Subordinated67,57674,039(8.73)62,31633.76
Common Equity74,35271,3584.2073,7823.09
Total Shareholders' Equity74,35271,3584.2073,7823.09
Shares Outstanding (actual)1,495,4151,524,879(1.93)1,507,200(3.13)
Income Statement ($000)
 2018 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Net Interest Income6,8146,5494.057,096(15.90)
Provision for Loan Losses3070(57.14)105(285.71)
Noninterest Income1,5901,38914.471,53314.87
Noninterest Expense5,3665,0665.925,3024.83
Net Income Before Taxes3,0082,8027.353,222(26.57)
Provision for Taxes653832(21.51)2,276(285.24)
Net Income2,3551,97019.54946595.77
Per Share Items ($)
 2018 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Book Value per Share49.7246.806.2548.956.27
Tangible Book Value49.6446.726.2648.886.27
Diluted EPS Before Extra1.571.2921.710.63596.83
Diluted EPS After Extra1.571.2921.710.63596.83
Dividends Declared0.00000.00000.000.4800NM
Performance Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
ROAA1.130.98150.4568
ROAE12.9011.361544.98792
Net Interest Margin3.493.53(4)3.68(19)
Loans / Deposits88.3590.76(241)87.7857
Efficiency Ratio63.0862.129659.65343
Balance Sheet Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.798.64158.6910
Equity/ Assets8.818.66158.7010
Asset Quality Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.791.05(26)1.27(48)
Loan Loss Reserves/ Gross Loans1.041.0131.040
Loan Loss Reserves/ NPAs95.7370.862,48759.563,617
Net Charge-offs/ Avg Loans0.03(0.01)30.05(3)
Regulatory Capital Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio13.4713.064113.0938
   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.



Copyright 2018, © S&P Global Market Intelligence  Terms of Use