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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 Q42016 Q4Y-Y
Ch (%)
2017 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves699,917672,9724.00696,7681.81
Loans Held for Sale, before Reserves3,5993,604(0.14)3,5238.63
Loan Loss Reserve9,5539,826(2.78)9,610(2.37)
Net Loans Receivable693,963666,7504.08690,6811.90
Intangible Assets5,6505,6500.005,6500.00
Total Assets952,024891,3886.80931,0099.03
Deposits837,898761,53410.03818,8189.32
Debt, Senior and Subordinated030,000NM00.00
Common Equity111,00096,83414.63108,6168.78
Total Shareholders' Equity111,00096,83414.63108,6168.78
Shares Outstanding (actual)7,361,0776,943,8686.017,354,5770.35
Income Statement ($000)
 2017 Q42016 Q4Y-Y
Ch (%)
2017 Q3Q-Q
Ch (%)
Net Interest Income9,1297,80616.959,247(5.10)
Provision for Loan Losses000.00(1,000)NM
Noninterest Income3,1122,9874.183,156(5.58)
Noninterest Expense6,9116,958(0.68)6,938(1.56)
Net Income Before Taxes5,3633,95435.636,465(68.18)
Provision for Taxes1,7481,25539.282,188(80.44)
Net Income3,6152,69933.944,277(61.91)
Per Share Items ($)
 2017 Q42016 Q4Y-Y
Ch (%)
2017 Q3Q-Q
Ch (%)
Book Value per Share15.0813.958.1314.778.42
Tangible Book Value14.3113.138.9914.008.90
Diluted EPS Before Extra0.480.3826.320.58(68.97)
Diluted EPS After Extra0.480.3826.320.58(68.97)
Dividends Declared0.19000.0900111.110.1100290.91
Performance Ratios (%)
 2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
ROAA1.551.22331.86(31)
ROAE13.2311.3418916.14(291)
Net Interest Margin4.183.77414.29(11)
Loans / Deposits83.5388.37(484)85.09(156)
Efficiency Ratio56.3163.77(746)55.9437
Balance Sheet Ratios (%)
 2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets11.1310.298411.130
Equity/ Assets11.6610.868011.67(1)
Asset Quality Ratios (%)
 2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.600.88(28)0.65(5)
Loan Loss Reserves/ Gross Loans1.361.45(9)1.37(1)
Loan Loss Reserves/ NPAs105.1364.004,113101.98314
Net Charge-offs/ Avg Loans0.030.012(0.59)62
Regulatory Capital Ratios (%)
 2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio16.3114.7515616.0526
   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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