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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 Q22017 Q2Y-Y
Ch (%)
2018 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves718,112685,6694.73714,8331.83
Loans Held for Sale, before Reserves3,9815,798(31.34)3,40767.39
Loan Loss Reserve9,5449,590(0.48)9,565(0.88)
Net Loans Receivable712,549681,8774.50708,6752.19
Intangible Assets5,6505,6500.005,6500.00
Total Assets1,001,201946,6825.76993,8952.94
Deposits880,411808,8528.85876,0741.98
Debt, Senior and Subordinated030,000NM00.00
Common Equity117,843104,82912.41114,11213.08
Total Shareholders' Equity117,843104,82912.41114,11213.08
Shares Outstanding (actual)7,390,2277,345,4770.617,367,3271.24
Income Statement ($000)
 2018 Q22017 Q2Y-Y
Ch (%)
2018 Q1Q-Q
Ch (%)
Net Interest Income9,6248,45213.879,4348.06
Provision for Loan Losses0(250)NM00.00
Noninterest Income3,0682,8517.613,115(6.04)
Noninterest Expense7,3346,8576.967,1768.81
Net Income Before Taxes5,4854,69616.805,3956.67
Provision for Taxes1,2161,568(22.45)1,781(126.90)
Net Income4,2693,12836.483,61472.50
Per Share Items ($)
 2018 Q22017 Q2Y-Y
Ch (%)
2018 Q1Q-Q
Ch (%)
Book Value per Share15.9514.2711.7315.4911.80
Tangible Book Value15.1813.5012.4414.7212.48
Diluted EPS Before Extra0.570.4235.710.4875.00
Diluted EPS After Extra0.570.4235.710.4875.00
Dividends Declared0.13000.110018.180.110072.73
Performance Ratios (%)
 2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
ROAA1.751.35401.5025
ROAE14.7912.2425512.90189
Net Interest Margin4.193.88314.190
Loans / Deposits81.5784.77(321)81.60(3)
Efficiency Ratio56.8360.67(384)57.08(25)
Balance Sheet Ratios (%)
 2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets11.2710.547310.9829
Equity/ Assets11.7711.077011.4829
Asset Quality Ratios (%)
 2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.460.60(14)0.55(9)
Loan Loss Reserves/ Gross Loans1.321.39(7)1.33(1)
Loan Loss Reserves/ NPAs125.6980.144,555108.921,678
Net Charge-offs/ Avg Loans0.010.001(0.01)2
Regulatory Capital Ratios (%)
 2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
Tier 1 Capital Ratio16.7615.779916.4927
   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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