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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 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves148,493120,73122.99153,372(12.72)
Loans Held for Sale, before Reserves301,970270,54311.62292,95012.32
Loan Loss Reserve4,5075,507(18.16)4,5070.00
Net Loans Receivable445,956385,76715.60441,8153.75
Intangible Assets000.0000.00
Total Assets571,969526,5298.63569,5371.71
Deposits512,853475,3677.89510,1632.11
Debt, Senior and SubordinatedNANANA9,299NA
Common Equity43,17936,32718.8641,57915.39
Total Shareholders' Equity43,17936,32718.8641,57915.39
Shares Outstanding (actual)5,977,0005,848,0612.205,885,6706.21
Income Statement ($000)
 2017 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Net Interest Income6,3535,55214.435,89331.22
Provision for Loan Losses000.00(1,000)NM
Noninterest Income2,8663,376(15.11)2,291100.39
Noninterest Expense6,6626,04510.216,19030.50
Net Income Before Taxes2,5572,884(11.34)2,994(58.38)
Provision for Taxes9731,173(17.05)1,072(36.94)
Net Income1,5841,711(7.42)1,922(70.34)
Per Share Items ($)
 2017 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Book Value per Share7.226.2116.307.069.05
Tangible Book Value7.226.2116.307.069.05
Diluted EPS Before ExtraNANANANANA
Diluted EPS After ExtraNANANANANA
Dividends Declared0.08000.0000NM0.0500240.00
Performance Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
ROAA1.091.33(24)1.32(23)
ROAE14.9518.32(337)18.97(402)
Net Interest MarginNANANANANA
Loans / Deposits28.9525.4035630.06(111)
Efficiency Ratio72.2667.7145675.64(337)
Balance Sheet Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets7.556.90657.3025
Equity/ Assets7.556.90657.3025
Asset Quality Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Nonperforming Assets/ AssetsNANANANANA
Loan Loss Reserves/ Gross Loans1.001.41(41)1.01(1)
Loan Loss Reserves/ NPAsNANANANANA
Net Charge-offs/ Avg Loans0.000.0000.000
Regulatory Capital Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Tier 1 Capital RatioNANANA15.27NA
   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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