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

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Balance Sheet ($000)
 2020 Q12019 Q1Y-Y
Ch (%)
2019 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves764,120710,1357.60753,6185.57
Loans Held for Sale, before Reserves2,4192,688(10.01)2,34213.15
Loan Loss Reserve9,8038,88610.329,44715.07
Net Loans Receivable756,736703,9377.50746,5135.48
Intangible Assets000.0000.00
Total Assets1,177,9961,112,1985.921,171,7502.13
Deposits982,852929,8015.71974,0883.60
Debt, Senior and Subordinated75,90373,5133.2578,988(15.62)
Common Equity116,506106,8589.03116,688(0.62)
Total Shareholders' Equity116,506106,8589.03116,688(0.62)
Shares Outstanding (actual)5,598,5015,694,452(1.68)5,640,742(3.00)
Income Statement ($000)
 2020 Q12019 Q1Y-Y
Ch (%)
2019 Q4Q-Q
Ch (%)
Net Interest Income9,2168,9832.599,1881.22
Provision for Loan Losses35018094.44(70)NM
Noninterest Income2,7152,44611.002,838(17.34)
Noninterest Expense9,1108,28210.009,0064.62
Net Income Before Taxes2,5233,065(17.68)3,309(95.01)
Provision for Taxes358462(22.51)530(129.81)
Net Income2,1652,603(16.83)2,779(88.38)
Per Share Items ($)
 2020 Q12019 Q1Y-Y
Ch (%)
2019 Q4Q-Q
Ch (%)
Book Value per Share20.8118.7710.9020.692.39
Tangible Book Value20.8118.7710.9020.692.39
Diluted EPS Before Extra0.380.46(16.48)0.49(89.80)
Diluted EPS After Extra0.380.46(16.48)0.49(89.80)
Dividends Declared0.16000.15006.670.16000.00
Performance Ratios (%)
 2020 Q12019 Q1Y-Y
Ch (bp)
2019 Q4Q-Q
Ch (bp)
ROAA0.740.97(23)0.95(21)
ROAE7.4210.22(280)9.58(216)
Net Interest Margin3.413.59(18)3.45(4)
Loans / Deposits77.7576.3713777.3738
Efficiency Ratio75.3171.2041173.82149
Balance Sheet Ratios (%)
 2020 Q12019 Q1Y-Y
Ch (bp)
2019 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.899.61289.96(7)
Equity/ Assets9.899.61289.96(7)
Asset Quality Ratios (%)
 2020 Q12019 Q1Y-Y
Ch (bp)
2019 Q4Q-Q
Ch (bp)
Nonperforming Assets/ AssetsNA0.16NANANA
Loan Loss Reserves/ Gross Loans1.281.2531.253
Loan Loss Reserves/ NPAsNA488.51NANANA
Net Charge-offs/ Avg Loans(0.00)(0.02)2(0.02)2
Regulatory Capital Ratios (%)
 2020 Q12019 Q1Y-Y
Ch (bp)
2019 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio13.1013.30(20)13.40(30)
   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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