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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)
 2018 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves714,833678,9835.28699,9178.52
Loans Held for Sale, before Reserves3,4072,00869.673,599(21.34)
Loan Loss Reserve9,5659,843(2.82)9,5530.50
Net Loans Receivable708,675671,1485.59693,9638.48
Intangible Assets5,6505,6500.005,6500.00
Total Assets993,895923,7517.59952,02417.59
Deposits876,074789,97510.90837,89818.22
Debt, Senior and Subordinated030,000NM00.00
Common Equity114,11299,63414.53111,00011.21
Total Shareholders' Equity114,11299,63414.53111,00011.21
Shares Outstanding (actual)7,367,3276,956,5685.907,361,0770.34
Income Statement ($000)
 2018 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Net Interest Income9,4348,31313.489,12913.36
Provision for Loan Losses000.0000.00
Noninterest Income3,1153,216(3.14)3,1120.39
Noninterest Expense7,1766,8105.376,91115.34
Net Income Before Taxes5,3954,71914.335,3632.39
Provision for Taxes1,7811,57213.301,7487.55
Net Income3,6143,14714.843,615(0.11)
Per Share Items ($)
 2018 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Book Value per Share15.4914.328.1515.0810.87
Tangible Book Value14.7213.518.9714.3111.47
Diluted EPS Before Extra0.480.4311.630.480.00
Diluted EPS After Extra0.480.4311.630.480.00
Dividends Declared0.11000.090022.220.1900(168.42)
Performance Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
ROAA1.501.39111.55(5)
ROAE12.9012.87313.23(33)
Net Interest Margin4.193.91284.181
Loans / Deposits81.6085.95(435)83.53(194)
Efficiency Ratio57.0859.07(199)56.3177
Balance Sheet Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets10.9810.247411.13(16)
Equity/ Assets11.4810.797011.66(18)
Asset Quality Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.550.70(15)0.60(5)
Loan Loss Reserves/ Gross Loans1.331.45(11)1.36(3)
Loan Loss Reserves/ NPAs108.9270.933,799105.13379
Net Charge-offs/ Avg Loans(0.01)(0.01)00.03(4)
Regulatory Capital Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio16.4915.1313616.3118
   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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