Financial Highlights

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

For the definition of a financial field, click on the field name.


Balance Sheet ($000)
 2015 Q32014 Q3Y-Y
Ch (%)
2015 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves495,297468,8085.65500,673(4.30)
Loans Held for Sale, before Reserves000.0000.00
Loan Loss Reserve7,8667,903(0.47)7,8650.05
Net Loans Receivable487,431460,9055.76492,808(4.36)
Intangible Assets000.0000.00
Total Assets623,253600,1583.85616,8524.15
Deposits520,528488,1846.63505,42111.96
Debt, Senior and Subordinated44,98760,531(25.68)56,613(82.14)
Common Equity53,37148,25610.6051,84411.78
Total Shareholders' Equity53,37148,25610.6051,84411.78
Shares Outstanding (actual)12,923,39212,864,5420.4612,917,3170.19
Income Statement ($000)
 2015 Q32014 Q3Y-Y
Ch (%)
2015 Q2Q-Q
Ch (%)
Net Interest Income5,3114,9377.585,15412.18
Provision for Loan Losses0(60)NM00.00
Noninterest Income47635036.00371113.21
Noninterest Expense3,9503,7216.153,80615.13
Net Income Before Taxes1,8851,70710.431,72138.12
Provision for Taxes6065568.9955437.55
Net Income1,2791,15111.121,16738.39
Per Share Items ($)
 2015 Q32014 Q3Y-Y
Ch (%)
2015 Q2Q-Q
Ch (%)
Book Value per Share4.133.7510.104.0111.59
Tangible Book Value4.133.7510.104.0111.59
Diluted EPS Before Extra0.090.0812.500.0850.00
Diluted EPS After Extra0.090.0812.500.0850.00
Dividends Declared0.01000.0000NM0.01000.00
Performance Ratios (%)
 2015 Q32014 Q3Y-Y
Ch (bp)
2015 Q2Q-Q
Ch (bp)
ROAA0.820.7750.748
ROAE9.659.5878.8184
Net Interest Margin3.643.5593.595
Loans / Deposits95.1596.03(88)99.06(391)
Efficiency Ratio66.6468.92(228)67.34(70)
Balance Sheet Ratios (%)
 2015 Q32014 Q3Y-Y
Ch (bp)
2015 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.568.04528.4016
Equity/ Assets8.568.04528.4016
Asset Quality Ratios (%)
 2015 Q32014 Q3Y-Y
Ch (bp)
2015 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.480.92(44)0.62(14)
Loan Loss Reserves/ Gross Loans1.591.69(10)1.572
Loan Loss Reserves/ NPAs241.2976.1316,516206.163,513
Net Charge-offs/ Avg Loans(0.00)(0.06)60.01(1)
Regulatory Capital Ratios (%)
 2015 Q32014 Q3Y-Y
Ch (bp)
2015 Q2Q-Q
Ch (bp)
Tier 1 Capital RatioNA11.08NANANA
   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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