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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)
 2017 Q22016 Q2Y-Y
Ch (%)
2017 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves685,669632,8948.34678,9833.94
Loans Held for Sale, before Reserves5,7981,584266.042,008754.98
Loan Loss Reserve9,59010,043(4.51)9,843(10.28)
Net Loans Receivable681,877624,4359.20671,1486.39
Intangible Assets5,6505,6500.005,6500.00
Total Assets946,682851,96211.12923,7519.93
Deposits808,852712,03813.60789,9759.56
Debt, Senior and Subordinated30,00045,000(33.33)30,0000.00
Common Equity104,82992,26213.6299,63420.86
Total Shareholders' Equity104,82992,26213.6299,63420.86
Shares Outstanding (actual)7,345,4776,933,0685.956,956,56822.36
Income Statement ($000)
 2017 Q22016 Q2Y-Y
Ch (%)
2017 Q1Q-Q
Ch (%)
Net Interest Income8,4527,67110.188,3136.69
Provision for Loan Losses(250)0NM0NM
Noninterest Income2,8512,53612.423,216(45.40)
Noninterest Expense6,8576,6293.446,8102.76
Net Income Before Taxes4,6963,55532.104,719(1.95)
Provision for Taxes1,5681,17533.451,572(1.02)
Net Income3,1282,38031.433,147(2.41)
Per Share Items ($)
 2017 Q22016 Q2Y-Y
Ch (%)
2017 Q1Q-Q
Ch (%)
Book Value per Share14.2713.317.2414.32(1.43)
Tangible Book Value13.5012.498.0813.51(0.24)
Diluted EPS Before Extra0.420.3423.530.43(9.30)
Diluted EPS After Extra0.420.3423.530.43(9.30)
Dividends Declared0.11000.080037.500.090088.89
Performance Ratios (%)
 2017 Q22016 Q2Y-Y
Ch (bp)
2017 Q1Q-Q
Ch (bp)
ROAA1.351.13221.39(4)
ROAE12.2410.4218212.87(63)
Net Interest Margin3.883.92(4)3.91(3)
Loans / Deposits84.7788.88(411)85.95(118)
Efficiency Ratio60.6765.09(442)59.07160
Balance Sheet Ratios (%)
 2017 Q22016 Q2Y-Y
Ch (bp)
2017 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets10.5410.233110.2430
Equity/ Assets11.0710.832410.7929
Asset Quality Ratios (%)
 2017 Q22016 Q2Y-Y
Ch (bp)
2017 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.601.16(56)0.70(10)
Loan Loss Reserves/ Gross Loans1.391.58(20)1.45(6)
Loan Loss Reserves/ NPAs80.1456.932,32170.93922
Net Charge-offs/ Avg Loans0.00(0.10)10(0.01)1
Regulatory Capital Ratios (%)
 2017 Q22016 Q2Y-Y
Ch (bp)
2017 Q1Q-Q
Ch (bp)
Tier 1 Capital Ratio15.7714.2115615.1364
   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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