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

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Balance Sheet ($000)
 2019 Q22018 Q2Y-Y
Ch (%)
2019 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves380,811360,0865.76380,0800.77
Loans Held for Sale, before Reserves31219064.21448(121.43)
Loan Loss Reserve3,3562,98412.473,460(12.02)
Net Loans Receivable377,767357,2925.73377,0680.74
Intangible Assets5395390.005390.00
Total Assets481,227461,0584.37488,485(5.94)
Deposits432,807417,6843.62441,689(8.04)
Debt, Senior and Subordinated000.0000.00
Common Equity45,32840,34612.3543,81313.83
Total Shareholders' Equity45,32840,34612.3543,81313.83
Shares Outstanding (actual)1,553,7421,538,6880.981,543,6752.61
Income Statement ($000)
 2019 Q22018 Q2Y-Y
Ch (%)
2019 Q1Q-Q
Ch (%)
Net Interest Income4,5653,98914.444,39215.76
Provision for Loan Losses771(90.14)(6)NM
Noninterest Income1,2231,07014.301,04568.13
Noninterest Expense4,0873,62012.903,83326.51
Net Income Before Taxes1,6941,36823.831,61020.87
Provision for Taxes32625328.8530922.01
Net Income1,3681,11522.691,30120.60
Per Share Items ($)
 2019 Q22018 Q2Y-Y
Ch (%)
2019 Q1Q-Q
Ch (%)
Book Value per Share29.1726.2211.2628.3811.15
Tangible Book Value28.8325.8711.4328.0311.32
Diluted EPS Before Extra0.870.7220.830.8414.29
Diluted EPS After Extra0.870.7220.830.8414.29
Dividends Declared0.14000.110027.270.125048.00
Performance Ratios (%)
 2019 Q22018 Q2Y-Y
Ch (bp)
2019 Q1Q-Q
Ch (bp)
ROAA1.160.98181.106
ROAE12.2811.1811012.1116
Net Interest Margin4.083.75333.9810
Loans / Deposits87.9986.2117886.05193
Efficiency Ratio70.3771.75(138)70.307
Balance Sheet Ratios (%)
 2019 Q22018 Q2Y-Y
Ch (bp)
2019 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.328.64678.8745
Equity/ Assets9.428.75678.9745
Asset Quality Ratios (%)
 2019 Q22018 Q2Y-Y
Ch (bp)
2019 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.330.2490.35(2)
Loan Loss Reserves/ Gross Loans0.880.8350.91(3)
Loan Loss Reserves/ NPAs203.02188.261,476196.15688
Net Charge-offs/ Avg Loans0.120.066(0.10)22
Regulatory Capital Ratios (%)
 2019 Q22018 Q2Y-Y
Ch (bp)
2019 Q1Q-Q
Ch (bp)
Tier 1 Capital Ratio11.5311.153811.3419
   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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