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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 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves678,983634,4307.02672,9723.57
Loans Held for Sale, before Reserves2,0081,30453.993,604(177.14)
Loan Loss Reserve9,8439,889(0.47)9,8260.69
Net Loans Receivable671,148625,8457.24666,7502.64
Intangible Assets5,6505,6500.005,6500.00
Total Assets923,751837,37910.31891,38814.52
Deposits789,975697,77013.21761,53414.94
Debt, Senior and Subordinated30,00045,000(33.33)30,0000.00
Common Equity99,63491,0519.4396,83411.57
Total Shareholders' Equity99,63491,0519.4396,83411.57
Shares Outstanding (actual)6,956,5686,994,148(0.54)6,943,8680.73
Income Statement ($000)
 2017 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Net Interest Income8,3137,7107.827,80625.98
Provision for Loan Losses000.0000.00
Noninterest Income3,2162,51827.722,98730.67
Noninterest Expense6,8106,4795.116,958(8.51)
Net Income Before Taxes4,7193,74925.873,95477.39
Provision for Taxes1,5721,22128.751,255101.04
Net Income3,1472,52824.492,69966.39
Per Share Items ($)
 2017 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Book Value per Share14.3213.0210.0213.9510.81
Tangible Book Value13.5112.2110.6413.1311.53
Diluted EPS Before Extra0.430.3619.440.3852.63
Diluted EPS After Extra0.430.3619.440.3852.63
Dividends Declared0.09000.1200(25.00)0.09000.00
Performance Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
ROAA1.391.22171.2217
ROAE12.8711.2616111.34153
Net Interest Margin3.914.00(9)3.7714
Loans / Deposits85.9590.92(497)88.37(242)
Efficiency Ratio59.0763.35(428)63.77(470)
Balance Sheet Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets10.2410.27(3)10.29(6)
Equity/ Assets10.7910.87(9)10.86(8)
Asset Quality Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.701.63(93)0.88(18)
Loan Loss Reserves/ Gross Loans1.451.56(11)1.45(1)
Loan Loss Reserves/ NPAs70.9346.302,46364.00692
Net Charge-offs/ Avg Loans(0.01)0.02(3)0.01(2)
Regulatory Capital Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio15.1313.9112214.7538
   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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