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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 Q32017 Q3Y-Y
Ch (%)
2018 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves726,856696,7684.32718,1124.87
Loans Held for Sale, before Reserves2,3213,523(34.12)3,981(166.79)
Loan Loss Reserve9,5329,610(0.81)9,544(0.50)
Net Loans Receivable719,645690,6814.19712,5493.98
Intangible Assets5,6505,6500.005,6500.00
Total Assets1,006,383931,0098.101,001,2012.07
Deposits880,727818,8187.56880,4110.14
Debt, Senior and Subordinated000.0000.00
Common Equity120,894108,61611.30117,84310.36
Total Shareholders' Equity120,894108,61611.30117,84310.36
Shares Outstanding (actual)7,395,9277,354,5770.567,390,2270.31
Income Statement ($000)
 2018 Q32017 Q3Y-Y
Ch (%)
2018 Q2Q-Q
Ch (%)
Net Interest Income9,7279,2475.199,6244.28
Provision for Loan Losses0(1,000)NM00.00
Noninterest Income3,1263,156(0.95)3,0687.56
Noninterest Expense6,9756,9380.537,334(19.58)
Net Income Before Taxes5,7506,465(11.06)5,48519.33
Provision for Taxes1,3342,188(39.03)1,21638.82
Net Income4,4164,2773.254,26913.77
Per Share Items ($)
 2018 Q32017 Q3Y-Y
Ch (%)
2018 Q2Q-Q
Ch (%)
Book Value per Share16.3514.7710.6815.9510.04
Tangible Book Value15.5814.0011.3015.1810.56
Diluted EPS Before Extra0.590.581.720.5714.04
Diluted EPS After Extra0.590.581.720.5714.04
Dividends Declared0.23000.1100109.090.1300307.69
Performance Ratios (%)
 2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
ROAA1.781.86(8)1.753
ROAE14.8716.14(127)14.798
Net Interest Margin4.184.29(11)4.19(1)
Loans / Deposits82.5385.09(257)81.5796
Efficiency Ratio55.3355.94(61)56.83(150)
Balance Sheet Ratios (%)
 2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets11.5211.133911.2725
Equity/ Assets12.0111.673511.7724
Asset Quality Ratios (%)
 2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.560.65(9)0.4610
Loan Loss Reserves/ Gross Loans1.311.37(7)1.32(1)
Loan Loss Reserves/ NPAs116.09101.981,410125.69(961)
Net Charge-offs/ Avg Loans0.01(0.59)590.01(1)
Regulatory Capital Ratios (%)
 2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
Tier 1 Capital Ratio16.9816.059316.7622
   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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