Financial Highlights
Trend Analysis--Quarterly (click here for Annual Analysis)

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Balance Sheet ($000)
 2021 Q12020 Q1Y-Y
Ch (%)
2020 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves841,934764,12010.18823,3709.02
Loans Held for Sale, before Reserves2,0182,419(16.58)3,029(133.51)
Loan Loss Reserve12,6909,80329.4512,32711.78
Net Loans Receivable831,262756,7369.85814,0728.45
Intangible Assets000.0000.00
Total Assets1,531,8891,177,99630.041,462,31319.03
Deposits1,325,387982,85234.851,252,81123.17
Debt, Senior and Subordinated73,10775,903(3.68)75,131(10.78)
Common Equity128,821116,50610.57130,216(4.29)
Total Shareholders' Equity128,821116,50610.57130,216(4.29)
Shares Outstanding (actual)5,566,5665,598,501(0.57)5,566,2300.02
Income Statement ($000)
 2021 Q12020 Q1Y-Y
Ch (%)
2020 Q4Q-Q
Ch (%)
Net Interest Income9,6799,2165.0210,021(13.65)
Provision for Loan Losses3753507.143750.00
Noninterest Income4,9832,71583.543,843118.66
Noninterest Expense9,1879,1100.859,522(14.07)
Net Income Before Taxes5,4352,523115.424,275108.54
Provision for Taxes931358160.06675151.70
Net Income4,5042,165108.043,600100.44
Per Share Items ($)
 2021 Q12020 Q1Y-Y
Ch (%)
2020 Q4Q-Q
Ch (%)
Book Value per Share23.1420.8111.2023.39(4.31)
Tangible Book Value23.1420.8111.2023.39(4.31)
Diluted EPS Before Extra0.810.38113.160.6598.46
Diluted EPS After Extra0.810.38113.160.6598.46
Dividends Declared0.16000.16000.000.16000.00
Performance Ratios (%)
 2021 Q12020 Q1Y-Y
Ch (bp)
2020 Q4Q-Q
Ch (bp)
ROAA1.240.74501.0519
ROAE14.037.4266111.40263
Net Interest Margin2.863.41(55)3.18(32)
Loans / Deposits63.5277.75(1,422)65.72(220)
Efficiency Ratio61.5075.31(1,381)67.50(600)
Balance Sheet Ratios (%)
 2021 Q12020 Q1Y-Y
Ch (bp)
2020 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.419.89(148)8.90(50)
Equity/ Assets8.419.89(148)8.90(50)
Asset Quality Ratios (%)
 2021 Q12020 Q1Y-Y
Ch (bp)
2020 Q4Q-Q
Ch (bp)
Nonperforming Assets/ AssetsNA0.33NANANA
Loan Loss Reserves/ Gross Loans1.501.28221.491
Loan Loss Reserves/ NPAsNA251.23NANANA
Net Charge-offs/ Avg Loans0.01(0.00)10.02(2)
Regulatory Capital Ratios (%)
 2021 Q12020 Q1Y-Y
Ch (bp)
2020 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio13.4013.103012.8060
   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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