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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 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves431,988148,493190.91416,42314.95
Loans Held for Sale, before Reserves372,487301,97023.35359,43614.52
Loan Loss Reserve4,5074,5070.004,5070.00
Net Loans Receivable799,968445,95679.38771,35114.84
Intangible AssetsNA0NA37,823NA
Total Assets980,172571,96971.37938,92717.57
Deposits744,869512,85345.24720,85413.33
Debt, Senior and SubordinatedNANANA99,669NA
Common Equity110,93743,179156.92108,5188.92
Total Shareholders' Equity110,93743,179156.92108,5188.92
Shares Outstanding (actual)9,209,0005,977,00054.079,128,5723.52
Income Statement ($000)
 2018 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Net Interest Income11,8606,35386.6812,064(6.76)
Provision for Loan Losses000.0000.00
Noninterest Income2,1002,866(26.73)2,133(6.19)
Noninterest Expense9,6086,66244.229,5970.46
Net Income Before Taxes4,3532,55770.242,652256.56
Provision for Taxes1,29997333.504,794(291.61)
Net Income3,0531,58492.74(2,142)NM
Per Share Items ($)
 2018 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Book Value per Share12.057.2266.7511.895.35
Tangible Book ValueNA7.22NA7.74NA
Diluted EPS Before ExtraNANANANANA
Diluted EPS After ExtraNANANANANA
Dividends Declared0.08000.08000.000.08000.00
Performance Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
ROAA1.301.0921(0.91)221
ROAE11.1314.95(382)(10.45)2,158
Net Interest Margin5.594.7287NANA
Loans / Deposits58.0028.952,90457.7723
Efficiency Ratio68.8372.26(344)66.84199
Balance Sheet Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible AssetsNA7.55NA7.85NA
Equity/ Assets11.327.5537711.56(24)
Asset Quality Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
Nonperforming Assets/ AssetsNANANANANA
Loan Loss Reserves/ Gross Loans0.561.00(44)0.58(2)
Loan Loss Reserves/ NPAsNANANANANA
Net Charge-offs/ Avg Loans0.000.0000.000
Regulatory Capital Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio12.18NANA12.78(60)
   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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