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

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Balance Sheet ($000)
 2019 Q32018 Q3Y-Y
Ch (%)
2019 Q2Q-Q
Ch (%)
Loans Held for Investment, before ReservesNA371,927NA380,811NA
Loans Held for Sale, before ReservesNA521NA312NA
Loan Loss Reserve3,4893,3364.593,35615.85
Net Loans Receivable388,114369,1125.15377,76710.96
Intangible Assets5395390.005390.00
Total Assets481,627472,4351.95481,2270.33
Deposits431,340428,6240.63432,807(1.36)
Debt, Senior and SubordinatedNA0NA0NA
Common Equity46,30140,66213.8745,3288.59
Total Shareholders' Equity46,30140,66213.8745,3288.59
Shares Outstanding (actual)1,551,3491,540,0540.731,553,742(0.62)
Income Statement ($000)
 2019 Q32018 Q3Y-Y
Ch (%)
2019 Q2Q-Q
Ch (%)
Net Interest Income4,3684,1654.874,565(17.26)
Provision for Loan Losses150503(70.18)78,171.43
Noninterest Income1,14093821.541,223(27.15)
Noninterest Expense4,0753,8336.314,087(1.17)
Net Income Before Taxes1,28376767.281,694(97.05)
Provision for Taxes24013183.21326(105.52)
Net Income1,04363663.991,368(95.03)
Per Share Items ($)
 2019 Q32018 Q3Y-Y
Ch (%)
2019 Q2Q-Q
Ch (%)
Book Value per Share29.8526.4013.0429.179.22
Tangible Book Value29.5026.0513.2228.839.32
Diluted EPS Before Extra0.670.4163.410.87(91.95)
Diluted EPS After Extra0.670.4163.410.87(91.95)
Dividends Declared0.14000.110027.270.14000.00
Performance Ratios (%)
 2019 Q32018 Q3Y-Y
Ch (bp)
2019 Q2Q-Q
Ch (bp)
ROAA0.870.55321.16(29)
ROAE9.116.2828312.28(317)
Net Interest Margin3.833.85(2)4.08(25)
Loans / DepositsNA86.77NA87.99NA
Efficiency Ratio73.9874.74(76)70.37361
Balance Sheet Ratios (%)
 2019 Q32018 Q3Y-Y
Ch (bp)
2019 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.518.501019.3219
Equity/ Assets9.618.611019.4219
Asset Quality Ratios (%)
 2019 Q32018 Q3Y-Y
Ch (bp)
2019 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.360.2880.333
Loan Loss Reserves/ Gross Loans0.890.9000.881
Loan Loss Reserves/ NPAs178.19185.02(683)203.02(2,483)
Net Charge-offs/ Avg Loans0.020.17(15)0.12(10)
Regulatory Capital Ratios (%)
 2019 Q32018 Q3Y-Y
Ch (bp)
2019 Q2Q-Q
Ch (bp)
Tier 1 Capital Ratio11.5810.946411.535
   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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