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Financial Highlights


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 Reserves432,025159,247171.29431,5030.48
Loans Held for Sale, before Reserves389,231343,38913.35373,77216.54
Loan Loss Reserve4,5604,5071.184,5600.00
Net Loans Receivable816,696498,12963.95800,7157.98
Intangible Assets37,5000NM37,607(1.14)
Total Assets1,022,248615,40666.11998,3869.56
Deposits765,402534,59943.17776,358(5.64)
Debt, Senior and SubordinatedNANANANANA
Common Equity117,56655,501111.83113,95012.69
Total Shareholders' Equity117,56655,501111.83113,95012.69
Shares Outstanding (actual)9,353,0006,532,00043.199,219,0005.81
Income Statement ($000)
 2018 Q32017 Q3Y-Y
Ch (%)
2018 Q2Q-Q
Ch (%)
Net Interest Income12,8267,89362.5012,7921.06
Provision for Loan Losses000.00200NM
Noninterest Income2,3622,00817.632,3109.00
Noninterest Expense10,7376,97254.0010,27218.11
Net Income Before Taxes4,4512,69964.914,631(15.55)
Provision for Taxes9791,274(23.16)1,335(106.67)
Net Income3,4711,425143.583,29621.24
Per Share Items ($)
 2018 Q32017 Q3Y-Y
Ch (%)
2018 Q2Q-Q
Ch (%)
Book Value per Share12.578.5047.9412.366.78
Tangible Book Value8.568.500.758.2813.50
Diluted EPS Before ExtraNANANANANA
Diluted EPS After ExtraNANANANANA
Dividends Declared0.09000.080012.500.080050.00
Performance Ratios (%)
 2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
ROAA1.460.92541.3412
ROAE11.9911.425811.7227
Net Interest Margin5.995.46535.7326
Loans / Deposits56.4429.792,66655.5886
Efficiency Ratio67.9072.30(440)67.0090
Balance Sheet Ratios (%)
 2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.139.02(89)7.9518
Equity/ Assets11.509.0224811.419
Asset Quality Ratios (%)
 2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
Nonperforming Assets/ AssetsNANANANANA
Loan Loss Reserves/ Gross Loans0.560.90(34)0.57(1)
Loan Loss Reserves/ NPAsNANANANANA
Net Charge-offs/ Avg Loans0.000.0000.07(7)
Regulatory Capital Ratios (%)
 2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
Tier 1 Capital Ratio13.6418.53(489)13.1351
   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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