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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 Q32016 Q3Y-Y
Ch (%)
2017 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves696,768657,2086.02685,6696.47
Loans Held for Sale, before Reserves3,5234,885(27.88)5,798(156.95)
Loan Loss Reserve9,6109,842(2.36)9,5900.83
Net Loans Receivable690,681652,2515.89681,8775.16
Intangible Assets5,6505,6500.005,6500.00
Total Assets931,009858,1398.49946,682(6.62)
Deposits818,818715,38114.46808,8524.93
Debt, Senior and Subordinated045,000NM30,000NM
Common Equity108,61694,45215.00104,82914.45
Total Shareholders' Equity108,61694,45215.00104,82914.45
Shares Outstanding (actual)7,354,5776,939,0685.997,345,4770.50
Income Statement ($000)
 2017 Q32016 Q3Y-Y
Ch (%)
2017 Q2Q-Q
Ch (%)
Net Interest Income9,2477,61621.428,45237.62
Provision for Loan Losses(1,000)0NM(250)1,200.00
Noninterest Income3,1562,75314.642,85142.79
Noninterest Expense6,6566,5671.366,857(11.73)
Net Income Before Taxes6,4653,79770.274,696150.68
Provision for Taxes2,1881,25075.041,568158.16
Net Income4,2772,54767.923,128146.93
Per Share Items ($)
 2017 Q32016 Q3Y-Y
Ch (%)
2017 Q2Q-Q
Ch (%)
Book Value per Share14.7713.618.5014.2713.94
Tangible Book Value14.0012.809.4013.5014.76
Diluted EPS Before Extra0.580.3661.110.42152.38
Diluted EPS After Extra0.580.3661.110.42152.38
Dividends Declared0.11000.080037.500.11000.00
Performance Ratios (%)
 2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
ROAA1.861.20661.3551
ROAE16.1410.9651812.24390
Net Interest Margin4.293.83463.8841
Loans / Deposits85.0991.87(677)84.7732
Efficiency Ratio55.9463.37(743)60.67(473)
Balance Sheet Ratios (%)
 2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets11.1310.427110.5459
Equity/ Assets11.6711.016611.0759
Asset Quality Ratios (%)
 2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.651.01(36)0.605
Loan Loss Reserves/ Gross Loans1.371.49(11)1.39(1)
Loan Loss Reserves/ NPAs101.9860.824,11780.142,184
Net Charge-offs/ Avg Loans(0.59)0.12(71)0.00(59)
Regulatory Capital Ratios (%)
 2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
Tier 1 Capital Ratio16.0514.2018515.7728
   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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